SYLVIA

GUERRERO

Whittier, CA

Mobile: 562-***-****

Email: ad36tj@r.postjobfree.com

Detail-oriented SR Underwriter with over 20 years’ experience. Acquired strong and complete understanding of evaluating complex loan transactions that consist of Agency, Non-agency; portfolio products; mortgage insurance requirements. Able to interpret guidelines. Analytical review of the loan application; credit report; financial statements; income statements; personal and business tax returns; collateral documentation and other pertinent and relevant documentation to render creditworthy decisions. And at the same time, foster positive business practices by collaborating with other departments and sales to foster successful and positive outcomes. EXPERIENCE

UNDERWRITER III

U.S BANK, Los Alamitos, CA

1/2018 – 2024

Underwrite complex loan transactions, consisting of Agency and Non-QM loans. Signing loan authority of 2MM. Comply with SLA requirements, maintain QC Findings at or below 5%. Comply with customer service satisfaction rating of 90% or higher. Adhere to policies and procedures. Review and complete an underwriting recap of the overall credit analysis of all the important components of the loan files. Participate in monthly underwriting calls, weekly underwriting hurdles. Complete ongoing regulation training. Communicate and respond to sales and mortgage specialists of the loan decision weather an approval, hold denial and or credit review in order to maintain customer satisfaction and customer delight at its best. PRIOR EXPERIENCE

SR UNDERWRITER: Security National Mortgage Co., Las Vegas, NV 3/2017 thru 10/2017 SR UNDERWRITER: Fremont Bank, Aliso Veijo, CA 6/2016 thru 2/2017 DE UNDERWRITER: OGI Mortgage Bankers, Santa Ana, CA 12/15 thru 4/2016 UNDERWRITER III: US Bank, Los Alamitos, CA 3/2015 thru 12/2015 DE UNDERWRITER: American Advisors Group, Orange CA 12/2014 thru 3/2015 DE UNDERWRITER: Greenlight Home Loans DBA Nationstar Mtg, Irvine, CA 5/2014 thru 11/2014 DE UNDERWRITER: Bank of America, Concord CA 9/2013 thru 4/2014 DE UNDERWRITER: Cash Call, Anaheim CA 1/2013 thru 6/2013 DE UNDERWRITER: Chase Bank, Chatsworth, CA 12/2012 - 1/2013 DE UNDERWRITER: Bank of America, Pasadena CA 8/2003 thru 9/2012 Underwrote primary purchase loans transactions that consisted of agency Non-Agency and FHA loans. Ensure loan quality and adhere to policies and procedures. Comply with company underwriting overlays in order to mitigate risk. Communication between loan partners and operations SYLVIA

GUERRERO

Whittier, CA

Mobile: 562-***-****

Email: ad36tj@r.postjobfree.com

SKILLS

• Familiar with virtual loan environment.

• Ability to work independently with minimal supervision.

• Ability to work on prioritization requests and multi-task.

• Detail oriented with excellent research and decision-making skills.

• Accurately calculate debt-to-income ratios.

• Accurately calculate LTV/HLTV/CLTV.

• L.O.S: Encompass; Empower; Edge; Lend Force; Reverse Vision: Net-Oxygen; Document Velocity.

• Fluent in Spanish.