Robert Scarpetta Oldsmar, Florida bobscarpetta@gmail.

com (727) 422-7109 ____________________________________________________________________________

SUMMARY OF EXPERIENCE Experienced Mortgage Professional with a background in quality control, fraud detection/prevention and origination platforms. Known for developing strong customer relationships, independent thinker, and strong work ethic. Recognized for efficiency in details and meeting deadlines. AREAS OF EXPERTISE Leadership Processing Management Underwriting Articulate Servicing Team Builder Conflict Resolution

PROFESSIONAL EXPERIENCE JP MORGAN CHASE Tampa, FL 2010 to 9/4/2013

Loss Mitigation Processor - Chase Consumer Direct (9/2012 to present) Processes a monthly average of 35-50 files meeting all goal expectations including direct customer contact. Assembles the file for Quality Control review and Closing department approvals. Coordinates with title underwriters and closers to ensure a smooth closing and customer satisfaction. Quality score Jan. through July is 98.13%. Customer satisfaction score Jan. through July is 93.13%. Underwriter - Chase Home Equity (2/2010 to 9/2012) Underwriting of HAMP, 2MP and bank owned first and second modifications. Achieved 122.49% of goal in 2011 and 2012 year end reviews. Overall quality score 98.07%. 100% quality scores for last 4 months before transferring to HARP department. nd Volunteered and took part in 120 DPD (aged delinquent file) 2 look and QA (quality assurance) teams. First Guaranty Mortgage Company Tampa, FL Recruited by previous supervisor Jim Marks 2009 to 2010

Loan officer - Loss Mitigation Refinancing of FHA, VA, Conventional and Sub-prime borrowers into fixed rate FHA mortgages under a proprietary contract agreement. Complied with loss mitigation guidelines of over fifteen investor/clients. Wrote proposals to comply with standard FHA underwriting.

Robert Scarpetta
Maco Management, d/b/a Americas Mortgage Broker LLC (AMB) Tampa, FL 2002 to 2009

Executive Vice President/Chief Compliance Officer Direct supervision responsibility for over 600 full time employees. Developed, wrote and taught a fraud recognition and prevention course. This resulted in over 43,900 units closed with only 5 cases of fraud. Developed internal audit, compliance, quality control and fraud prevention controls. At hire date, FHA default and claim rate left AMB in imminent danger of losing its FHA approval. Within 5 months, reduced defaults on a going-forward basis to less than 2% and maintained default rates at well below acceptable standards in over 12 HOCs. Passed six FHA audits with no significant negative findings and no penalties. Negotiated lender contracts, arbitrated and defended buyback demands from over 150 lenders. First United Mortgage Banc, Inc. (FUMB), Clearwater, FL 2001-2002

President/COO Responsible for total operations and management of the company encompassing the wholesale, retail and government agency lending divisions and the associated loan processing, closing, funding and compliance sections. Supervised inside and outside sales people to develop and maintain relationships with retail producing mortgage companies. Procured and managed warehouse line facilities. AABCO Mortgage Loans and Investments, St. Petersburg, FL Recruited by CF Philips, CEO, founder and majority owner. 1983-2000

President/COO/Chief Compliance Officer Direct supervision responsibility for over 250 full time employees. Developed, formulated and taught purchase leads training class to 41 managers, which assisted them in increasing closing percentage by 75% within 60 days. Headed a cross-functional team that created a compliance policy for converting from broker to lender status. Subsequently, loans started funding in 45 days and Office of Thrift Supervision audit was passed with no adverse findings. Head of OTS examination team quoted You run a clean shop. Mediated client complaints, and acted as a liaison with various state banking departments with no adverse findings. Coordinated expansion. Read laws of over twenty states, enabling company to grow. Wrote, developed, and taught comprehensive orientation, training and fraud prevention courses. EDUCATION B.A., Dowling College, Oakdale, Long Island, New York (Cum Laude) Ron Willingham Ethical Selling course Chase courses including Super Streamline Occupancy, Authentication Approach, RESPA, etc. AFFILIATIONS CMC, Certified Mortgage Consultant/CRMS, Certified Residential Mortgage Specialist. Florida Notary. Florida licensed real estate salesperson . LOS SYSTEMS Agent Desktop, CLOSR, Lending Space, Encompass, Calyx, DU and LP MS Office Suite, MSP, Real EC, Data Verify, Work Number, Sysdome (fraud identification) ADDITIONAL EXPERIENCE Servicing and Collection of private mortgages, Home Retention strategies and Short Sales