This resume summarizes Robert Gonzales' experience as a mortgage underwriter with over 15 years of experience underwriting conventional, government, FHA, and jumbo loans. He is currently an underwriting trainer at Quicken Loans where he trains over 160 employees. Previously he held underwriting roles at Quicken Loans, JPMorgan Chase Bank, Wells Fargo Bank, and Bank One with a strong track record of exceeding production goals and low error rates.

1. ROBERT A. GONZALES .
5333 W. Mercury Place | Chandler, AZ 85226 | (602) 405-0743 | rob.gonzalesjr82@gmail.com
SUMMARY:
Versatile mortgage underwriter experienced in fast paced environment; which demands strong math and auditing skills.
Detail oriented, highly motivated, self- starter with the ability to work independently, prioritize tasks and produce timely
results. Excellent proficiency in Chase/Bank One Heritage platforms RCO, Zippy, VLS, CRC as well as Quicken AMP
platforms.
PROFESSIONAL EXPERIENCE
Quicken Loans 08/2014-Present
Underwriting Trainer (08/2015-Present)
In this role, I am responsible for all underwriting operation training for the site supporting approx. 160+ in underwriting and various
leadership roles, as well as cross training in UW basics across all operations platforms .
 Organize and facilitate new hire underwriting, move up underwriting, and advanced underwriting internal platform training.
 Introduction to and continuing training for FHA initial and final sign off underwriters
 Assist w/ national training to complete and maintain training platforms for Texas 50(a)6, conventionalpurchase,and
purchase underwriting agreement underwriting
 Monthly update and development rollout training, both in construction and delivery across all underwriting and operation
channels
 Co-created and delivered “introduction to underwriting” cross channelcommunications which is an internal/site
communication to assist in the “why’s” behind underwriting request and decisions across all operations channels
(communication and closing from team member through leadership levels)
FHA Final Sign-off Underwriter (4/2015-8/2015)
Completed final loan review before loan closing to ensure meets FHA requirements for credit, income, and assets guidelines
 Maintained average of 265 transactions reviewed for final signing
 Average audited rate of 3% final adjusted error rating
 Direct peer assistance role as part of auditing and coaching
 Completed internal company leadership training program
FHA Refi Underwriter (8/2014-4/2015)
As a refinance underwriter, my daily role included FHA refinance transaction review. Streamline, TOTAL approved,and manual
FHA approval.
 Managed a consistent pipeline of over 300 FHA refinance transaction
 Continuous quality rating under5% total error rate
 Averaged 230 initial reviewed transactions monthly
 One of three national initial underwriters (and one of the first two in the Arizona Site) with cross training in advanced income
procedures
JPMorgan Chase Bank 08/2009 to 08/2014
HL FHA Underwriter SR
Day to day review and underwriting of Conventional and Government loans- Fannie Mae, Freddie Mac, Purchase, Refinance, HARP,
Jumbo, Employee loans.Government Underwriting trained effective 2012, with Direct Endorsement effective August 2013
 Thorough knowledge of all underwriting policies, procedures and guidelines
 Advanced experience with reviewing complex income and credit
 Consistently exceeding in production goals in self-paced/managed environment
 Assist in new hiring training and assimilation
 Provide constant communication between all parties

2. Wells Fargo Bank 01/2009 to 08/2009
Consumer Loan Underwriter L4
Conventional loan underwriter specializing in both standard and relief product refinance transactions.
 Complete knowledge of underwriting policies and procedures
 Established highest level of authority with enhanced approval limit
 Consistently excelled in work production goals
 Reviewed income/assets,appraisal, credit quality determination
 Communicated conditions accordingly with processors and/orloan officers
JPMorgan Chase Bank 06/2003 to 12/2008
Home Loan Sales Originator
Conventional home equity origination and underwriting through Chase.com, Lendingtree.com, and Lowermybills.com lead sources.
 HVE underwriting for new loans through multiple services
 Increased authority level
 Preformed high closing ratio with corresponding efficiency
 Direct liaison to new employees
 Responsible for customer escalations and assisted in coaching and training based on outcome
Bank One 02/2002-6/2003
Telephone Banker III
Delivered excellent daily customer service experience in deposit,credit, and lending service channel. Non-licensed sales origination
trained for all deposit channel types. Assist w/ and process all loan type payment types
 Trained in consumer and business deposit sales origination
 Daily volume of clients assisted of100+ calls
 Average handle time of 2.45 second handle time
 Consistent top 25 ranking within entire company of 400+ telephone bankers