1. Maurice Charles Russo
104 Andorra Glen Court
Lafayette Hill, PA 19444
Mobile 215-704-4807
Email: mauricerusso@comcast.net
PROFILE
A strong and effective leader who leads by example. A sound decision maker offering
20 years of credit and lending experience.
Areas of Expertise
Mentoring and Developing future leaders, coached and mentored 3 employees while
employed with Bank of America into Management positions within the organization.
- Documentation & Compliance
- Client & Vendor Relations
- Excellent communication skills
- Strong Leader, leads by example
- Critical thinker, proficient in
making sound decisions
- Lotus notes - Microsoft Word
- Excel
- Well versed in Fannie Mae, Freddie Mac and Jumbo Loan Programs
- Multi Site Manager, managed teams in Costa Mesa, CA, Jacksonville, FL in addition to
offshore
NMLS Licensed
#1170047
PROFESSIONAL EXPERIENCE
National Underwriting Manager, Green Tree/Ditech August 2013 to present
- Managing the Consumer Underwriting channel consisting of 40 underwriters and 4
underwriting managers 3 located in Fort Washington, PA and 1 team in Costa Mesa,
California.
- Review and make decisions on loans exceeding Underwriting Managers authority in
addition to the review of any escalations.
- Built and manage a team of 10 underwriters and 1 Underwriting Manager located in
Costa Mesa, CA supporting Retail and Retention Channels.
- Responsible for Managing 4 External Vendor teams, identifying and addressing any
issues with regards to production, quality and maintaining established service level
metrics this also includes meeting and maintaining expectations within Service Level
Agreements.
- Partner with Credit Policy and Compliance in the maintaining and updating of Product
matrices and policy and procedures manual.
- Partner with Product Strategies and Credit Committee in the development and
implementation of new products and programs.

2. - Partner with Training Department in the creation and delivery of guideline updates,
new product launches and system enhancements to ensure all Underwriting teams
are provided the tools needed to succeed.
- Manage Pre-Funding and Post-Funding Quality Control to ensure teams are below
Scorecard ,this includes researching and responding to any Findings to ensure
delivery to the agency.
- Partner across channels to Sales and Processing offering a training and bi-weekly
meetings to ensure effective communication and teams are current with pending
changes.
Processing/Operations Manager, GMAC Mortgage/Green Tree August 2012-August 2013
- Managed a team of 13 Processors In the Consumer Direct channel.
- Top Performing team In quality and production
- Utilized my knowledge and underwriting background to coach and develop
processors.
Underwriting Manager, AVP, Bank of America January 2011- August 2012
- Managed and Directed 2 Teams of Mortgage underwriters responsible for decisioning
Conventional Mortgage Applications.
- Provided Daily Coaching and Feedback in regards to Quality and Production ensuring
sound credit Decisions while maintaining all Production and Quality goals.
- Managed the Teams through the transition process of a reassignment to
Representations and Warranties.
- Provided support to Senior Management in selecting the talent and training current
Underwriters from Mortgage Origination to Senior Auditors in Forensic Underwriting.
Credit Administrator/National Credit Coach AVP, Bank of America September 2009 -
January 2011
- Provide transaction support on 1st & 2nd mortgages for complex, high dollar and/or
exception requests for both underwriting and fulfillment.
- Created and managed file audit processes
- Managed the credit quality and results for the Centralized Mortgage Fulfillment
division in Wilmington, De
• Review of appeal requests from sales field, communicating analysis, policy, logic,
investor requirements and resultant decision.
• Review of appraisal, title, trust, leaseholds and policy issues as elevated by
underwriting and fulfillment associates.
• Provide ongoing guidance, coaching, mentoring and training support for underwriting
and fulfillment associates.
• Review and arbitrate Quality Assurance findings for the Centralized Fulfillment
providing coaching and mentoring for cited fulfillment staff.
• Assist/manage whenever necessary with special projects including training, sales
meetings etc
Underwriter, ING Direct September 2008- September 2009

3. Reviewed, assigned conditions and decisioned Conventional Mortgage Loan
applications.Made sound credit decisions in the best interest of the customer and the
bank. Partnered with management to assist and decision the higher risk loans.
Senior Underwriter, RMIC Staffing 2008-September 2008
Contract Underwriting and Financial services for consumers, small business and
financial transaction
Processing. Responsibilities include the underwriting of conventional mortgages,
reviewing income capacity,
Overall debt obligations and total credit profile to fit company guidelines. Responsible
for the efficient
Utilization of time management to prioritize the daily work load from our sales partners.
Specific
Achievements and responsibilities:
- Review and complete the underwriting and processing of various mortgage programs
including HELOC, Conventional, Purchase Money, Jumbo and New Construction.
- Complete timely review and decisioning of files by either approving, counter offering,
Suspending, or denying the application.
- Achieve and surpass department objectives and production goals, and plan strategy
for
successful completion.
- Review of all guideline changes with manager to ensure proper compliance of each
file.
- Ability to adapt to any companies guidelines with very little training
- Working knowledge of all state guidelines
Senior Underwriter Broker Lending, Indy Mac Bank 2005-2008
Responsible for maintaining sound credit decisions and profitable mortgage loans.
Daily workload
included the underwriting of conventional mortgages, reviewing income ratios, overall
debt
obligations, and total credit profile to fit company guidelines. Specific achievements
and
responsibilities:
-Team Leader appointed to assist Underwriting Manager
- Assisted in directing team in new guideline changes and production goals
- Surpassed all production goals while maintaining high level of loan quality
- Lending Authority of 1 million
Underwriting Manager- Upland Mortgage 2002-2005
A leader in Prime and FHA mortgage origination and servicing. Responsibilities
included the
management and underwriting of Prime mortgage products within the company
portfolio. Efficient
utilization of time management to prioritize the daily work load from our sales partners.
Specific
Achievements and responsibilities:
- Oversee the underwriting and processing of conventional loan applications
- Develop, implement, and communicate business plan strategy to employees to ensure
their

4. understanding and commitment to achievement of production goals.
- Set department objectives and production goals, and plan strategy for successful
completion.
- Primary point of contact for review of all guideline changes with Underwriting staff,
Processing staff, Sales, and Vendors.
- Provide a motivating work environment and give accurate and frequent coaching on
Subordinates’ performance.
EDUCATION
Philadelphia University BA in Business Management 1995
REFERENCES
Available upon request