FELIX R. RIVERA

***** ******** **** *** *******, TX 78254 210-***-**** ac74fx@r.postjobfree.com

Accomplished mortgage professional with nine years’ experience and expertise in all facets of residential mortgage and banking operations, including default servicing, mortgage servicing, and underwriting analysis and risk management; thorough knowledge of loan modification process within all portfolios. Strong verbal and written communication, analytical, attention to detail and mentor seeking further growth and development; deliver operations and system support to impact front line to deliver first-class customer service.

Experience

Wells Fargo Home Mortgage, San Antonio, TX

February 2014 - Present

Quality Assurance Analyst III (Risk Management)

Create Ad-hoc reviews and responsible for examining and analyzing programs, processes, compile data from different sources, documentation and/or files of unusual, complex and/or higher risk transactions to ensure compliance with internal company requirements and/or agency or government regulations. Supports all investors and will be responsible for evaluating processes to ensure business standards are followed. Able to identify risks and/or problems are clearly documented and interacts with appropriate parties for timely resolution. Identifying risks and problem areas and recommends standards, policies, and procedures to correct deficiencies and improve performance. Our department ensures we comply with QA Credit Policy and align our reviews with the Internal Risk Assessment Database (IRAD) and experience in change control, root cause analysis and corrective action methods.

Wells Fargo Home Mortgage, San Antonio, TX

January 2010 – February 2014

Underwriter III

Underwrote large, unusual or complex individual consumer request and products within company and industry guidelines. Reviewed and analyzed NACA portfolio specializing in private investors, FHA/VA loans, Fannie Mae, Freddie Mac loans and Bankruptcy client portfolios. Ability to spread financials and complete cash flow analysis, review and analyze credit reports. Subject Matter Expert (SME) trained and coached new hires for quality and accurate file prior to submission and underwriters developing skill set for delegation on signing authority. Proven ability to collaborate effectively with customers, peers, and partners through verbal and written communication to make appropriate decisions and minimize risk.

Excellence Mortgage, Ltd., San Antonio, TX

November 2008 – January 2010

Loan Analyst/Underwriter I

Processed, underwrote, and managed a pipeline within all investors. Responsible for reviewing and auditing files for errors and omissions with other departments involved within portfolio audits, assisting with foreclosures and assignments. Responsibilities include: spreading financial statements; analyzing credit information; demonstrating and adhering to compliance of the business and policies; monitoring adherence to terms of agreement; and corresponding with business partners. In addition, maintaining excellent customer service and a punctual feedback working with title companies, lending institutions, attorneys, buyers and sellers.

Education

American University of Puerto Rico, US-Puerto Rico-Bayamon

2003

B.A Finance on a Full Athletic Basketball Scholarship

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