1. HERBERT F. ROPOS
7293 W Williams Dr, Glendale, AZ 85310
623.271.7856 (H) 714.322.4862 (C) ropeiss@yahoo.com
MANAGEMENT PROFILE
Loan Underwriting / Credit Analysis / Due Diligence
Successful management career in the financial services industry, blending experience in business development,
underwriting, credit and collections, and due diligence. Strong presentation and negotiation skills. Expert in
building relationships with customers and business partners. Adept at developing and implementing business
strategies to increase product awareness, market share, and company profitability. Demonstrated ability to
identify and capitalize on new growth opportunities through market analysis, product expertise, and keen
business instincts. Core competencies include:
• Branch & Departmental Management
• Credit Report Review & Assessment
• Loan Auditing
• Loan Credit Risk and Analysis
• Senior-Level Loan Underwriting
• Investor Relationship Building
• Strong Technology Orientation
• Mortgage Insurance
PROFESSIONAL EXPERIENCE
ESSENT GUARANTY - Scottsdale, AZ 2015 to present
Contract MI MORTGAGE UNDERWRITER
Contract MI Underwriter on site for builder. Underwrite Conventional MI loans for new construction. Input and
update loan data previously underwritten by other MI Underwriters. Analyze credit reports, review appraisals
and calculate income including tax return analysis to verify ratios are accurate and within underwriting
guidelines for loan programs.
CITIMORTGAGE - Las Vegas, NV 2010 to 2011 and 2012 to 2015
REMOTE RETAIL MORTGAGE UNDERWRITER III
Underwrite residential mortgage loans remotely thru CitiMortgage’s VPN and Citrix. Loans underwritten are
manual, FNMA DU, HARP, MI Insurance underwrites. Analyze credit reports, review appraisals and calculate
income including tax return analysis to verify ratios are accurate and within underwriting guidelines for loan
programs.
J.P. MORGAN CHASE - Tempe, AZ 2011 to 2012
SR. RETAIL MORTGAGE UNDERWRITER
Underwrite residential mortgage loans thru Chase’s automated underwriting systems. Loans underwritten are
manual, FNMA DU, LP, and HARP underwrites. Analyze credit reports, review appraisals and calculate income
including tax return analysis to verify ratios are accurate and within underwriting guidelines for loan programs.
Refer loans reviewed for exceptions or declines are referred to appropriate management levels.
WELLS FARGO AUTO FINANCE GROUP–Boise, ID, 2008 to 2010
BANKRUPTCY SPECIALIST II
Managed portfolio of bankruptcy loans and reviewed individual accounts to determine appropriate action.
Review each case to determine if repossession was a cost-effective solution. Completed all appropriate
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2. HERBERT F. ROPOS Page Two
Professional Experience Continued
documentation. Input data and notes into various software applications to track discussions and actions. Develop
Excel spreadsheets to efficiently manage accounts. Negotiate reaffirmation agreements and value of
automobiles for bankruptcy plans. Make decisions on submitting loans to attorneys for necessary court actions
for objections, relief from stay, and other issues necessary to protect bank’s interest.
COUNTRYWIDE SECURITIES/CAPITAL MARKETS – Westlake Village, CA and Boise, ID, 2001 to 2007
SENIOR DUE DILIGENCE UNDERWRITING MANAGER – COUNTRYWIDE SECURITIES CORP (2002 to 2007)
SENIOR UNDERWRITER – CREDIT RISK / SECONDARY MARKETING (2001 to 2002)
Managed due diligence transactions ranging from $25M to $500M. Performed underwriting audits of Wholesale
and Retail Divisions for Special Quality Task Force, ensuring funding of loans within the company’s underwriting
guidelines. Analyzed credit reports for loan quality, credit risk assessment, and calculations of Debt-to-Income
ratios to determine acceptability for purchase. Reviewed loans from underwriting vendor to ensure compliance
and acceptability of seller’s guidelines. Reviewed declined loans that did not meet acceptability standards for
purchase; discussed outcome with seller’s representative. Reviewed delinquent mortgage loans purchased for
possible misrepresentation and guideline violations for seller repurchase. Conducted side-by-side comparisons of
competitor’s guidelines with Countrywide’s for product enhancements and changes for competitiveness. Devised
Excel spreadsheets for Transaction Management Group, updated data on pending transactions, and kept
management apprised of critical issues arising in due diligence process.
WASHINGTON MUTUAL – Lake Forest, CA, 2000 to 2001
SENIOR LOAN UNDERWRITER – DUE DILIGENCE SPECIALTY MORTGAGE FINANCE
Worked directly with Director of Due Diligence to review and approve loans for real estate purchases.
Collaborated with outside underwriting vendor with relation to guidelines and exceptions for purchases.
Established rapport with sellers; discussed loans that did not meet eligibility for purchase. Utilized Excel and
Access to compile daily / monthly management reports.
* * * * * * * *
Additional experience as Credit /Collections / Debt Recovery / Bankruptcy Supervisor
EDUCATION & VOLUNTEER
SERVICE
KIRTLAND HIGH SCHOOL, KIRTLAND, OH
LAKELAND COMMUNITY COLLEGE, KIRTLAND, OH
Business Management Coursework
Professional Affiliations:
Past Board Member, St. Vincent Charity Hospital Lions Eye Clinic • Past President, Euclid Lions Club
Technology Skills:
Windows 10/8/7, Excel, Word, Access, Outlook, FNMA DU, Freddie Mac LP, Laser Pro, Lotus Notes, Adobe, Loan
Auditor, AS400, various imaging sites, Ontario Systems (FACS), Shaw and Shaw Recovery, ACS, Hogan, and
Telemagic.