Underwriter

Victoria D Ynostroza

Highlands Ranch, CO• 720-***-**** •***********@*****.***

Strategic and analytical finance professional with 22 years of success in processing, management, financial reporting, analysis, and project manager. Accomplished and results oriented-oriented professional who consistently meets deadlines and exceeds expectations.

Skills

Management Strong Organizational Skills Employee Mediation Special Products Coordinator Human Resource Related Issues to include Hiring/ Termination Procedures, Payroll, Training/Re-training of Employees Co-Creator of New QC Platform and Computer Program Client Customer Service Excellence Team Leadership and Motivation Risk Management Team Development Creating and Managing Service Level Agreements Professional Experience

HCL Technologies/Urban Lending Solutions, Highlands Ranch, CO 12/20 - Present - Underwriter

● Review of file for Credit worthiness and eligibility

● Asset review to determine if assets meet product guidelines.

● Review of income documentation including but not limited to W2’s, 1099, paystub and tax returns.

● Appraisal review of conforming properties

● Escalation review with sales managers and processors

● Restructuring of loans

06/2014 – 11/2020 – Team Leader

● Team Lead- Managing up to 13 Associates.

● Appraisal Review of Conforming Properties

● Credit Report Review to confirm client eligibility.

● Review of income documentation including but not limited to W2’s, 1099, paystub and tax returns.

● Review of Assets for client eligibility within product guideline

● Responsible for Daily, Monthly Production Goals and Reports

● Managing Escalations from Associates and Customers 11/2012- 01/14 Underwriter

● Making credit decisions reviewing Income, Property, Assets and Credit and meeting guideline requirements for loan program

● Ensuring all information is accurate and determining the risk level of the applicant to the bank, communicating with Sales Partners, Management, and fulfillment and most importantly to the customer. Additional professional work experience from 2000-2012 Education

Bachelor of Science in Psychology, CCD, Denver, CO.