1. Tracy Roman
17455 SE 290th
Ave • Umatilla, FL 32784
(352) 455-8818• Email: troman1@centurylink.net
EMPLOYMENT
SUNTRUST MORTGAGE
Underwriter III, Officer April 2013 to present
• Responsible for the underwriting of all conforming loans and non-
conforming residential mortgage loans pursuant to FNNA/FHLMC and
SunTrust guidelines.
• Responsible for the underwriting of all Doctor Loan programs and Portfolio
Loans
• Responsible for the underwriting certain exception loans up to $2,000,000.00
PLC Underwriter III, April 2011 to April 2013
• Responsible for the underwriting of all conforming loans and non-
conforming residential mortgage loans pursuant to FNNA/FHLMC and
SunTrust guidelines.
• Responsible for the underwriting of all Doctor Loan programs, Portfolio
Loans and Private Wealth Mangement
• Responsible for the underwriting certain exception loans up to $2,000,000.00
Underwriter III, May 2009 to April 2011
• Responsible for the underwriting of all conforming loans and non-
conforming residential mortgage loans pursuant to FNNA/FHLMC, FHA and
SunTrust guidelines.
MORTGAGE GUARANTY INSURANCE CORPORATION
Contract Underwriter, May 2006 to May 2009
December 2008 to present working on multiple assignments
• Responsible for the underwriting of all conforming loans to a variety of
lenders: Wells Fargo, AmTrust, Sun Trust, Taylor Bean, Branch Banking and
Trust, GMAC, Countrywide, Franklin American, Met Life and Chase
November 2007 to October 2008 On assignment with Flagstar Bank

2. • Responsible for underwriting wholesale mortgage loans per Flagstar, agency
and MI guidelines
• Analyzed collateral valuations with emphasis on AVM tools and internet
research
May 2007 to August 2007 assigned to Flagstar Correspondent Team
• Responsible for underwriting correspondent mortgage loans per Flagstar,
agency and MI guidelines
May 2006 to May 2007 on site with First Magnus
• Responsible for the underwriting of all conforming and non-conforming
residential mortgage loans pursuant to FNMA/FHLMC and investor
guidelines. (First Magnus, Countrywide, Aurora and Chevy Chase)
• Responsible for the validating of residential mortgage loans pursuant to
DU/LP guidelines.
• Certified to underwrite Chevy Chase Cash Flow ARM loan program.
ABN AMRO
Senior Underwriter/SME, January 2004 to May 2006
• Responsible for the underwriting of all conforming and non-conforming
residential mortgage loans pursuant to FNMA/FHLMC and investor
guidelines.
• Responsible for the underwriting of second mortgages pursuant to LaSalle
Bank/Interfirst guidelines.
• Assist Underwriter’s with any questions regarding products
MORTGAGE GUARANTY INSURANCE CORPORATION
Contract Underwriter, May 1998 to January 2004 located in MGIC Ft.
Lauderdale Field Office
• Responsible for the underwriting of all conforming and non-conforming
residential mortgage loans pursuant to FNMA/FHLMC and investor
guidelines. (Wells Fargo, HSBC, Ohio Savings, Interfirst, Standard Federal,
Chase and First Nationwide)
• Responsible for the validating of residential mortgage loans pursuant to
DU/LP guidelines.
• Certified to underwrite First Nationwide PPO loan program.
COLONIAL MORTGAGE CO. F/K/A JEFFERSON BANK OF FLORIDA

3. Senior Underwriter, AVP, May 1992 to May 1998
• Responsible for the underwriting of all conforming and non-conforming
residential mortgage loans pursuant to FNMA/FHLMC, FHA/VA and
investor guidelines.
• Supervise/support/train processors to ensure loan files are documented in
accordance with policy and management direction for sale to the secondary
market.
FIRST UNION NATIONAL BANK OF FLORIDA
Customer Sales Specialist, February 1986 to February 1992
• Responsible for interviewing consumer and residential loan applicants, loan
processing, loan documentation and loan approvals.
• Responsible for interviewing revolving credit applicants.
• Assisted in customer service and teller line when needed.
Retail Credit Supervisor, February 1984 to February 1986
• Established and implemented the Floor Plan Department, including a
support group for all branches dealing with retail credit products.
Loan Secretary, February 1982 to February 1984
• Responsible for processing and preparing documentation for Consumer and
Commercial Loans
Customer Service Representative, February 1981 to February 1982
• Responsible for opening and closing accounts.
• Assisting in customer problems.
• Reconciliation of customer accounts.
Teller, June 1979 to February 1981
• Responsible for all aspects of the teller line.
EDUCATION
Broward Community College, Pembroke Pines, FL.
Sheridan Vocational, Hollywood, FL.