BARRY RAUSCH
Professional Profile
Seasoned mortgage loan underwriter with proven ability to identify and mitigate risk related to mortgage
lending seeking a position as a Mortgage Loan Underwriter. Strong underwriting skills applicable to
FNMA, FHLMC and investor products. Adept at credit analysis, and single-family and multi-family
property appraisal analysis, and analyzing income tax returns and performing cash-flow analysis of self-
employed borrowers. Proven track record performing under demanding conditions in high volume
origination environments. Signing authority up to $4MM.
Sr. Loan Underwriter
Arch Mortgage Insurance Company 10/2015 - 07/2024
Underwrite GSE and investor jumbo loans as per investor guidelines. Corresponded with account
executives, investor liaison and underwriting managers confirming guideline adherence as well as
negotiating guideline exceptions.
Applied in-depth knowledge of FNMA, FHLMC and investor loan product guidelines, to determine
underlying risks and liabilities associated with underwriting conforming and non-conforming
mortgages and presenting loan dispositions.
Reviewed complex loan documents including credit reports, personal and business tax returns,
4506-T results, single-family and multi-family property appraisals and field reviews, title reports,
bank statements, leases and contracts to reveal comprehensive credit risk profile.
High emphasis on self-employed borrowers with extensive real estate portfolios and business
ownership interests. Adept at preparing cash flow analysis of corporations, partnerships, and
proprietorships.
Worked closely with account executives, junior underwriters and processors to insure proper and
adequate documentation is obtained to complete the loan file and meet investor standards.
Land Home Financial Services 2012 - 2015
Underwrite GSE and investor jumbo loans as per investor guidelines. Corresponded with investor
liaison and underwriters confirming guideline adherence as well as negotiating guideline
exceptions.
Applied in-depth knowledge of FNMA, FHLMC and investor loan product guidelines, including
HARP products, to determine underlying risks and liabilities associated with underwriting
conforming and non-conforming mortgages and presenting loan dispositions.
Reviewed complex loan documents including credit reports, personal and business tax returns,
4506-T results, single-family and multi-family property appraisals and field reviews, title reports,
bank statements, leases and contracts to reveal comprehensive credit risk profile.
Worked closely with account executives, junior underwriters and processors to insure proper and
adequate documentation is obtained to complete the loan file and meet investor standards.
Contract Underwriter Positions (Accountemps, Sierra Pacific Mortgage) 2012
Provided contract underwriting services utilizing manual and automated underwriting systems for
conforming and non-conforming mortgages in accordance with investor loan product guidelines.
Presented written and verbal loan dispositions detailing results of analysis that supported my
decision to approve, suspend, or deny a loan, or propose counter-offers.
Performed QA analysis of defaulted loans to determine whether investor guidelines were adhered
to, if required documentation was omitted or misrepresented, or if evidence of fraud was present.
PMI Mortgage Insurance Co. 1999 – 2012
Mortgage Insurance Rate Systems Analyst / Contract Underwriter
Applied comprehensive knowledge of loan underwriting criteria developing custom mortgage
insurance pricing modules for home loan products meeting high volume lender guidelines.
Developed and managed lender-paid and borrower-paid MI rate pricing structures for PMI
Mortgage Insurance Co. and subsidiary CMG Mortgage Insurance Co. across interactive database
systems.
Provided on-site contract underwriting services to banks and mortgage brokers manually
underwriting conforming and non-conforming loan products in accordance with GSE and investor
guidelines.
Coached and developed junior underwriters and processors in loan processing and underwriting
fundamentals, government and lender guideline adherence, and compliance regulations.
Software application skills
Encompass LOS PC Lender LOS
E3 LOS Blitz Docs indexing system
Microsoft Excel Microsoft Word
Desktop Underwriter Loan Prospector
Microsoft Outlook Microsoft Teams
FraudGuard DataVerify
Education
B.S. Finance, California State University, East Bay
B.S. Real Estate, California State University, East Bay
Continuing Education
Fundamentals of FHA Underwriting (AllRegs) – online webinar
Professional Certification
Mortgage Bankers Association - Accredited Mortgage Professional
