Professional mortgage expert Lachlan Rotschrek brings over 15 years of experience in full-cycle lending. He has held roles from loan officer and underwriter to operations management, gaining expertise in various loan products. Lachlan seeks to complete his VA credentials and continues gaining experience in remote and contract underwriting roles. He has a proven track record of exceeding goals and increasing productivity in his various underwriting positions.

1. Lachlan Rotschrek
Lachlan Rotschrek | San Pedro, Belize | (818) 584-1909 | Lyger@protonmail.com
SUMMARY
Professional mortgage expert bringing over 15+ years experience in full-cycle lending. Lachlan’s knowledge adds a
wealth of benefit to any team where his expertise and success in various aspects of real estate finance operations
and sales helped routinely exceed individual and departmental goals. From smaller regional lenders to large
institutional banks and monetary “hedge” funds, he has received regular promotions throughout his career as a
direct result of his personal & team production. Lachlan began this career as an escrow assistant & marketing officer,
with a primary focus on increasing office revenue. He transitioned from escrow and title to a loan officer (FHA, VA,
conventional, Alt-A, subprime), added a real estate license and rounded out his industry experience by working with
venture capital institutions dealing with commercial REO investments, acquisitions, Commercial Underwriting, &
private for-profit fundraising in the $10-50M range. In his recent career path, he has held contract traveling and
satellite/remote roles and is now seeking to complete his VA credentials.
• DE/CHUMS Certified since 2003
• FHA, VA, Conventional, JUMBO Loans
• Typical Monthly Volume – 40-100+ loans
 MS Office Suite (Word, Excel, & Outlook,
PowerPoint, Access), Encompass, Avista,
several other loan and software systems
Education/Certifications:
 Notary Public (Florida, valid thru December 2016), E&O carried.
 NAMU CCUP (Commercial Underwriting & Processing Certification) 2012
 DIRECT ENDORSEMENT UNDERWRITER (Active CHUMS #)
 FHA Credit Examiner Re-Certification: NAMP 2009
 Bookkeeping Certificate, Eastern Arizona College 2009
 BA (Philosophy) BS (Biochemistry) from Arizona State University 2005
PROFESSIONAL EXPERIENCE:
Pinnacle Capital Mortgage
December 2014 thru November 2015
Underwriter: Retail Correspondent.
• Remote Underwriter for Correspondent lender.
• FNMA, FHLMC, FHA, Jumbo products for numerous investors as well as agency direct.
• AUS underwriting as well as Manual underwrites.
• Heavy self-employed, Investment, and non-citizen lending experience.
• Direct delegated for several Mortgage Insurance providers.
• Signing Authority up to $2M.
Typhon Consulting, Inc.
January 2001 thru September 2014
Contract Underwriter: Retail & Wholesale lending operations.
• On Site or Remote Underwriter for full service mortgage bankers and correspondent banks.
• Delegated signing authority ranging from $2M to $10M.
• FHA Test Case Underwriter.
• Developed a skilled Operations staff for new lending organizations from an inexperienced pool of candidates.
• Increased operation staff productivity over 30%, reflected in month to month close/conversion ratios.

2. Lachlan Rotschrek
Lachlan Rotschrek | San Pedro, Belize | (818) 584-1909 | Lyger@protonmail.com
• Credit, Capacity, and Collateral Underwriter for USDA, FHA, HARP, Conventional , Jumbo, SuperJumbo residential
lending programs. Limited commercial underwriting experience as well.
• Analysis of personal and business financial statements and business plans/projections.
• Subject Matter Expert, by multiple companies
• Manual underwriting with AUS findings supporting decision(s).
• Ensured operational processes were adhered and in compliance with various investor guidelines.
• Responsible for organization’s regulatory SAFE Act reporting requirements.
• Approved as a Mortgage Insurance Underwriter (Genworth).
• Due Diligence - Underwriting prior warehouse line purchases by specific contract clients.
• HUD HECM (Reverse Mortgages)
Past Underwriting Clients (Additional/Other parties privileged under NDA):
Commerce Wholesale Mortgage – Irvine, CA Wholesale Underwriter
American Advisors Group – Orange, CA Retail HECM Underwriter
Stonegate – Tampa, FL Wholesale & Q.C. Underwriter
PNMC – Tampa, FL Q.C., & Jumbo Underwriter
JC3 & Associates - Tampa, FL Due Diligence & Front Line Underwriting
SunTrust – Tampa, FL Retail Underwriter
SB Mortgage Services – Bossier City, LA NCUA Mortgage banker (startup)
Wells Fargo – Tempe, AZ Retail Underwriter
Bank of America – Chandler, AZ Retail Underwriter
First National Bank of Arizona - Scottsdale, AZ Wholesale Underwriter
WAMU – Long Island, NY Wholesale Underwriter
Freestand Financial Phoenix, AZ
2001 – 2004
Underwriter/Banking Director of Operations: Retail lending operation.
• Conventional underwriting for a 4 man processing unit.
• Administered the company’s conversion from broker to correspondent banker as lead underwriter and
developed an expanded 30 person operations teams.
• Ensured operational processes and controls were adhered and in compliance with investor guidelines.
• Prepared and assisted attorneys in regulatory applications, filings, and processes.
• Responsible for all credit, collateral, and capacity decisions of 3 DE & 1 conventional underwriters. Analysis of
personal and business financial statements, plans, and projections for consumers and the company’s projected
organizational goals.
• Auditing and Quality Control review of a sampling of completed loan files as a correspondence bank prior private
sale of the company. Signing Authority thru WAMU up to $1M, up to $5M on warehouse lines.
• Responsible for legal analysis and repurchase/rebuttal requests.
ADDITIONAL RELATED EXPERIENCE INCLUDES:
Call Realty – Phoenix, AZ Realtor, Recruiter, Fundraiser
Titan Investments– Palm Beach, FL Venture Capital & Acquisitions/Commercial Underwriting/Analyst
Security Title Agency – Mesa, AZ Escrow Officer, Marketing Officer