Sales Representative

Martin E. Esquivel

**** *. ********

San Antonio, TX 78201 Mobile: 210-***-****

E-mail: *****************@*******.***

Seeking Underwriting Position

I am a bilingual professional with over 16 years of experience in

International Banking, Retail Banking, Business Banking, Residential /

Commercial lending /underwriting and Business Analyst.

. Excellent grasp of residential and commercial mortgage terminology,

title work, appraisal review, debt to income analysis, debt service

coverage, credit review, income documentation review and underwriting

procedures.

. 8 years underwriting appraisals to include commercial and residential

properties

. 8 years of Conventional Underwriting experience

. 4 years VA Purchase, Cash Out Refinance and IRRRL underwriting

experience

. 8 year Personal and Business Tax return review

. 6 years Co-op Docs and Condo/PUD Questionnaire review

. 6 years Subordination Agreement review

. Expertly preformed mortgage and financing terms translations from

Spanish

. Extensive knowledge of Texas based Home Equity Loans/Line of Credits

and Texas 50A (6).

. Extensive knowledge of SBA 504 and 7(A) loan programs

. Extensive knowledge of underwriting and reviewing commercial and

residential appraisals.

. Worked closely with Micro lenders in the area to limit overall

exposure to bank.

. Strong communication skills; highly motivated and excel in all levels.

. Committed to getting the job done and achieving high results with a

strong sense of pride in handling duties

. Highly skilled at preparing and delivering presentations of multiple

products

. Able to meet deadlines while working on different tasks.

EXPERIENCE:

Digital Intelligence Systems

Underwriter/Business Analyst August/2011 - Present

2012.

V Underwriting and performing reviews for underwriters in the Texas,

Florida, Arizona, and California markets.

V Due to higher level of experience; granted to perform research, and

reviews for underwriting stream line applicants, and existing

investor based Contracts.

V Underwritings and reviews are focused on forensic, reviews on

appraisals, market and net values, and accounting of income

calculations for wage employees, S Corporations, P/Ls for self

employed borrowers, SS, pensions, benefits, and etc.

V Underwrite stream line FHA, VA, and conventional loans.

V Underwrite and review loans and files in the service area for other

banks and investors.

V Responsible for rendering decisions on credit applications for First

Mortgage loans based on established criteria.

V Ensured appraiser adhered to strict guidelines as the appraisal

reported on the said property and used comparable comparisons

V Determine creditworthiness and risk associated with borrower based

on credit profile.

V Communicate decisions that most effectively mitigate credit risks

for bank, including data integrity and validity of information

submitted.

V Apply understanding of established guidelines, Fair Lending and all

other regulatory requirements when evaluating loan attributes while

utilizing prudent underwriting judgment and experience.

Caliber Funding December 2010- July 2011

Originator

V Market and expand opportunity for products in the Central and south

Texas areas

V Incorporate area builders, credit unions, community banks, and

realtors to increase visibility and volume.

V Originated SBA Loans for startups businesses and businesses looking

to expand their operations but not being able to utilize traditional

financing methods.

V Marketing for International buyers via Spanish radio, Sunday

mornings with great increase in jumbo products

V Held seminars for new buyers and or refinancing customers for groups

of 75 - 100

Clayton Homes November 2009-

November 2010

Underwriter/Manager

V Excellent knowledge of FHA desktop underwriting systems LP and DU,

as well as manual underwriting.

V Excellent knowledge in FHA and conventional underwriting

procedures.

V Underwrote DU eligible mortgages

V Underwrote Purchase land and home package

V Knowledge in rural and community park guidelines and regulations

V Debt to income ratio analysis.

V Credit Analysis

V Reviewed appraisals to ensure guidelines were met before submitting

it to underwriting for credit and final approval

V Responsible verifying chain title, verifying seasoning of funds, VOE

and VOR.

V Excellent knowledge of appraisal review procedures, title

examination and ratio calculations.

Amegy Bank September 2008- November

2009

Underwriter

V Underwrote Conventional and VA mortgages

V Underwrote Commercial loans not requiring the SBA Guarantee.

V Underwrote Auto and personal loans for the San Antonio Area.

V Underwrote Commerc1al and Residential appraisals as part of the

loan approval process to ensure appraisal was in line with all

federal and Investor guidelines.

V Ensured appraiser adhered to strict guidelines as the appraiser

reported on the said property and used comparable comparisons.

V Credit Authority up to 750m

V Debt service coverage analysis.

V Credit Analysis.

V Reviewed Subordination and Trust agreements.

V Reviewed Personal and Business Tax returns

V Responsible verifying title, verifying seasoning of funds, VOD.

V Reviewed W2, Tax returns 1040's, schedule C's, Schedule K's and

profit and loss statements for business's

San Antonio National Bank (San Antonio, TX)

November 2007 - July 2008

Underwriting Assistant Vice President -

The position and structure was to start a lending department which

did very well in my guidance. I managed four offices in San Antonio,

one in McAllen, and one in Laredo, Texas. Under my supervision we had

originators and underwriters whom facilitated a range of lending

products for our retail and mortgage department. The underwriting

covered lending for lines of credit, vehicle financings and mortgage

lending.

V Underwrite Conventional mortgage files and applied FNMA guidelines

to ensure files meet criteria to have loan package and sold to our

investors.

V Personal and Business Tax return review to ensure borrower

qualified for mortgage

V Reviewed Co-op Docs, PUD/Condo Questionnaires, Subordination

Agreements

V Reviewed Trust Documentation

V Responsible for rendering decisions on credit applications for

First Mortgage loans based on established criteria.

V Ensured appraiser adhered to strict guidelines as the appraisal

reported on the said property and used comparable comparisons.

V Determine creditworthiness and risk associated with borrower based

on credit profile.

V Communicate decisions that most effectively mitigate credit risks

for SANB, including data integrity and validity of information

submitted.

V Apply understanding of established guidelines, Fair Lending and all

other regulatory requirements when evaluating loan attributes while

utilizing prudent underwriting judgment and experience.

V Ensured appraiser adhered to strict guidelines they reported on the

said property and used comparable comparisons

Maresqui Financial & Investments (San Antonio, TX)

April 2002 - Oct 2007

Underwriter/ Office Lead

V Underwrite and close VA, and Conventional loans.

V Recruited and lead team of 8-12 marketing and closing officers and

underwrite in main San Antonio office and teams in Eagle Pass,

Laredo and Del Rio, El Paso and Dallas.

V Consolidated already strong decision making skills to further

propel business

V Capitalized on ability to generate funding through negotiations

with lenders

V Review underwriting decisions, principles, and guidelines with

assurance to expedite closing and fundings.

V Cultivated strong business contacts through bank, realtor, and

builder referrals

Compass Bank (San Antonio, TX)

June 1999 - February 2002

Financial Sales Representative

V Increase deposits by promoting every product available.

V During my employment with this bank I made Gold Club for leading

the San Antonio market with highest sales three years in row.

V Per month average account openings - 27 checking and savings,

average new money generated per month - $800k to $1.5m.

V Originate lending for residential mortgages, where I learned the

underwriting for FHA, VA, and conventional products. The lending

stretched to financing of lines of credit, boat, motorcycle, and

vehicle financing.

V Proved to be a versatile, highly competent and valuable member of

team increasing sales

V Received Top Sales recognition in area, and city.

Bank One, NA (San Antonio, TX)

March 1997 - May 1999

Relationship Banker

V Marketed and recruited new avenues to produce new accounts, both

personal and commercial

V Revenue increase to $600k- $1.3 million.

V Increased presence in South San Antonio community

V Strengthen community ties and business relationships between Bank

One and South San Antonio businesses

EDUCATION: University of Incarnate Word, Bachelor of Business

Administration - with an emphasis in International Banking

& Finance, May 1991

PROFESSIONAL Fluent in Spanish

CERTIFICATION: Currently studying for Group 1 Insurance license. Hold

Texas state mortgage license.

PERSONAL: Married with three children - Corbet - 9, Caden - 7, Caple

- 5.

Interests include: Spending time with family, Coaching

Little League Soccer and baseball

Member of the San Antonio Young Real Estate Professionals,

Northeast YMCA, Our Lady of Grace Church member, Hispanic

Contractors Association, Member of International Trade

Alliance.

Contact this candidate