GLAZIEL OLIVAR

P: 818-***-**** E: ad3781@r.postjobfree.com A: OXNARD, CALIFORNIA

LinkedIn: https://www.linkedin.com/in/glaziel-olivar PROFESSIONAL SUMMARY

Highly skilled mortgage underwriter/credit analyst eager to contribute to team success and bringing more than 25 years industry experience. Ability to underwrite loans at a senior level. Proficient in reviewing extensive applications and supporting documentation in evaluating risk and loss potential. Skilled in critical thinking, risk analysis, teamwork, and communication. Able to multitask in a demanding environment while maintaining a high-level of quality. ACCOMPLISHMENTS

• Top 10 Underwriter on Chase Leaderboard (West Region) out of 100+ UWs meeting 100% in production and LQR’s in 5 consecutive months.

• Recognized as a 5-Keys Excellence in delivering 97% customer service satisfaction.

• Recognized as one of the fast and efficient underwriters with 95% close-on-time within 2 weeks of purchase loans.

• Member of the SWAT Team HSS, piloted and implemented an effective process for purchasing conventional loans.

• Recordholder/MVP/Top Performer HSS (Home Service Specialist) for three consecutive months with 98% in production and 100% zero defects for the entire site. SKILLS

Mortgage

Underwriting/Servicing

Knowledge of FNMA/FHLMC

Guidelines

Credit Analysis

Tax Experience/Analysis

Customer Service

Fair Housing Regulations

Loan Processing

Continuous Improvements

Coaching and Mentoring

WORK HISTORY

MORTGAGE UNDERWRITTER III – JP Morgan Chase, 10/2020 – 11/2022

Manual Underwritten Purchase, Refinance Conventional and New Construction on Conforming and Non- Conforming Loans.

Reviewed, analyzed income, assets and credit utilized for qualification and credit decision.

Determined qualifying income by analyzing tax returns and types of business structures as follows: Sole Proprietorships, Partnerships, S Corporation, Corporations and Limited Liability Companies (LLCs).

Applied understanding of established policies and procedures while using underwriting judgment and experience and ensured compliance with corporate underwriting protocols and guidelines. CORPORATE UNDERWRITER – Bank of America Home Loans / HCL Technologies Ltd, 07/2014 – 10/2020

Underwritten Purchase and Refinance Conventional Loan Programs.

Analyzed and conditioned conventional approved and manual underwritten mortgage loans

Performed, evaluate, and completed Income & Credit Analysis, Capital/Assets, Repayment Capacity, Appraisals, Risk Assessment, Compliance and Quality Control Reviews and Assessment by utilizing the investor guidelines and bank credit policies.

Decisioned on loans that most effectively mitigate credit risks and analyzed the authenticity of documentation given.

JR. UNDERWRITER – Bank of America Home Loans, 07/2010 – 07/2014

• Pre-underwrite and processed Purchase and Refinance Conventional Loan Programs

• Processed, managed high volume of loans from inception to closing with accuracy, reliability, and speed.

• Provided support and exquisite customer service to Sales Team, Loan Officers, and clients by ensuring the timely, judicious, and accurate processing and closing of mortgage loans.

• Maintained a high-level of customer service by taking initiative-taking in communication with clients. TEAM LEADER/SR. LOAN PROCESSOR – Various Mortgage Companies, 11/1997 – 05/2007

• Performed and processed wholesale and correspondent loans from inception to closing.

• Managed 2 Senior Account Executives, 10 Sr. Loan Processors and 10 Jr. Loan Processors

• Liaison between Brokers, AE’s and Underwriting to assist in gathering, verifying, and reviewing all conditions prior to funding.

• Maintained a high-level of customer service by being provident in communication with customers, brokers, realtors, banking center associates and internal clients. EDUCATION

California State University, Los Angeles

Bachelor of Science in Business Administration

Major in Accounting

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