Vincent Rossi

Experience

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  Bank of America

  Oct 2012 - Oct 2015

  (FHA) Modification Underwriter

  * Took charge of underwriting loss mitigation residential mortgage loans in compliance with FederalHousing Administration (FHA), Federal National Mortgage Association (FNMA), and United StatesDepartment of Veterans Affairs (VA) programs* Keenly reviewed loss mitigation applications for modifications, forbearance plans, and short sales* Evaluated complete package to identify if additional documents are needed for the approval of lossmitigation application* Consistently received an average of 97% approval rate from in-house auditors Show less

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  Pioneer Bank, SSB

  Nov 2015 - May 2020

  Consumer Loan Underwriter

  * Thoroughly assess consumer applications for various products, which include second lien mortgages,home equity line of credits (HELOCs), and home equity terms, as well as home improvement, auto, andcertificate of deposit (CD) loans* Approve loan based on credit history, income, loan-to-value (LTV), and other factors with lendingauthority of up to $100K per loan* Carry out underwriting of loans with an average of $2M to $3M per month* Exhibit outstanding follow through with borrowers, processors, bankers, and management throughout the underwriting process Show less

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  Prime Choice Funding, Inc.

  May 2020 - Nov 2021

  Mortgage Loan Underwriter

  - Review customer applications for conventional refinances and purchases. - Knowledgeable in Encompass, Desktop Underwriter, Fraud Guard, and various other underwriting tools to ensure quality submittals. - Managed large pipelines of 50-80 loans at a time, while continuing to ensure underwriting quality throughout the entire loan process. - Demonstrated excellent communication and follow-through with loan processors, loan officers, funders, and management through all phases of the underwriting process. - Ensured loan approvals met both internal and external eligibility requirements for both Prime Choice, and Fannie/Freddie Mac. Show less

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  Bank of America

  Apr 2022 - Apr 2024

  Senior Mortgage Underwriter

  - Analyzing financial data to determine creditworthiness and risk associated with purchase/refinance mortgage loan applications.- Reviewing loan files to ensure they meet Bank of America regulations and guidelines.- Providing excellent customer service by addressing inquiries and concerns in a timely and professional manner.- Demonstrated excellent communication and follow-through with loan processors, loan officers, funders, and management through all phases of the underwriting process. Show less