1. Richard J. Roberts
Rkyric2@comcast.net 302-981-1810
Summary
Financial services professional with extensive experience in risk and loss mitigation, consistently recognized
as a top performer based on leadership and quality of work. Highly skilled at leading cross functional teams
through the credit decision process with accuracy and efficiency while aligning process with company goals.
Professional Experience
Capital One, N.A, Wilmington DE 2006 - Present
Originations Underwriter (2014 - current)
Leader in Originations recognized for keen application of risk judgment used to mitigate risk to the firm.
Collaborate with loan processors, loan officers, and management to ensure sound credit decisions and
maintain clear communication to all parties throughout the loan process. Review and analyze income, asset
documentation, appraisals, and titles to ensure eligibility as well as to also prevent potential fraudulent
activity.
• Top Site Underwriter in August and October of 2015 based on total number of final loans funded as
well as final loan denials for ineligible borrowers
• Maintained highest QA rate among peers for year-end 2015 with a defect rate of less than 3% of
total loans funded
Loss Mitigation Underwriter (2013 - 2014)
Lead the process of evaluating modification opportunities for borrowers under financial hardship. Review
and analyze income and asset documentation to determine eligibility as well as to prevent potential
fraudulent activity.
• Modified a large portion of the firm’s non- performing loans valued over $20MM
• Maintained QA rate of under 2% for all modifications processed and accepted by year end 2013
• Chosen to serve as peer coach and mentor for new and existing team members
Loan Counselor – Home Retention Team (2012 - 2013)
Partnered with distressed borrowers to implement loan modifications. Brought non-performing loans
current, restoring profitability to the firm. Identified and recommended alternative solutions to aid
borrowers who did not fall within the standard modification guidelines. Managed a monthly pipeline of loans
with an average worth of over $2MM.
• Achieved aggressive incentive goals of 12 modifications processed and accepted by clients during
second month in the role, and successive months thereafter
• Chosen to be the primary associate for borrowers under bankruptcy protection
Bankruptcy Associate (2011 - 2012)
Managed a portfolio of bankruptcy loans for the firm with an estimated worth of $5MM. Partnered with
internal and external points of contact to manage multiple documentation work streams thus moving loans
through the bankruptcy process accurately and efficiently
• Served as primary point of contact for 2012 system conversion to ensure that payments processed
for Chapter 13 borrowers met the parameters of the bankruptcy plan
Loan Counselor – Customer Assistance Team (2009 - 2011)
Partnered with borrowers to develop feasible repayment terms on delinquent loans in order to mitigate
losses to the firm. Applied industry knowledge and acumen to identify and prevent multiple cases of fraud.
• Routinely met monthly incentive goals of preventing a portfolio of loans estimated at over $5MM
from reaching a non- performing state

2. Richard J. Roberts
Rkyric2@comcast.net 302-981-1810
Customer Satisfaction Associate (2007 - 2009)
Applied common-sense judgment and firm standards to manage the successful resolution of escalated
customer issues across all departments, independent of channel of origination. Presented reporting to senior
management identifying potential trends.
• Created process change based on customer feedback, resulting in increased Net Promoter Scores
• Implemented 13 process improvements through six- sigma ideology in 2008
Sales Associate (2006 - 2007)
Responsible for selling and servicing Asset, Liability and Investment products to customers according to their
needs
Education
GOLDEY-BEACOM COLLEGE, Wilmington DE
Management Information Systems
UNIVERSITY OF DELAWARE, Newark, De
English
Salesianum High School, Wilmington, DE