Ray Benjamin

About Ray Benjamin

Sixteen years residential mortgage experience. Knowledge and underwriting of Bank and Private, Alt-A, Nonconforming, Fannie Mae/Freddie Mac, Non-QM, VA, USDA and FHA residential mortgage loans. Performed in-depth forensic underwriting review of closed mortgage loan files for compliance with applicable State and Federal laws and adherence to specific lender guidelines. Review and reverified loan and post-closing servicing documentation for evidence of misrepresentation in the original loan submission.

Experience

1. Sr Associate-mortgage Underwriter

   Digital Risk

   Aug 2020 — Present

   Mortgage Underwriter Home Preservation Analyze, review, and use critical thinking skills to make underwriting decisions on products within company and industry guidelines. Level 2 underwriter working on complex initiative with broad impact and acted as key participant for duration of the project. Evaluated complex processes or tasks requiring research into the cause and effect of underwriting guidelines across FHA, USDA, Fannie Mae and Freddie Mac as well as Bank and Private product and programs. Delegated underwriting authority working within loss mitigation department for the client to approve loan modification adhering to client and agency guidelines. Effectively manage and process a pipeline of loans computing decision daily.

Education

• UNIVERSITY OF TENNESSEE

  B.B.A, Marketing Major

  1989 — 1992