R

ABRAHAM

ROSA

Mobile #614-***-****

ad4tmi@r.postjobfree.com

**** ******** **

Westerville, OH, 43081

SUMMARY

Multitasking Bilingual Underwriter with over 25 years of experience in the financial industry, specializing in risk analysis, implementation of government regulations, investor requirements, and company guidelines. Experienced in developing procedure and process improvements that minimize labor, increase productivity, and maintain quality in all aspects of administrative support. Underwriting experience includes 14 years in the field of Residential Mortgages, Home Equity Lines/Loans, Commercial/Business loans, Credit Cards, Secured/Unsecured Loans and Charity.

SKILLS

• Operational Efficiency

• Adaptability

• Decision Quality

• Fluent in Spanish

• Cultivate Innovation

• Resilience

EXPERIENCE

Huntington National Bank, Columbus, OH

Senior Underwriter April 2020 - December 2023

Mortgage Department

Responsible for Underwriting of Mortgage Loan applications. Analyzed, reviewed and decisioned applications for borrowers, aligning them with investor guidelines such as Freddie Mac, Veteran Administration (VA) loans, Fannie Mae, Doctor loans (non- investor) and Portfolio loans (non-investor). Duties includes (but not limited) research of credit reports, income, tax returns and assets. Responsible for determining the risk level of each application. Loans included primary, second and investment properties.

• Subject Matter Expert and provided training of new Underwriting colleagues

• Consistently recognized as a top 5 production performer

• Lending authority of $2,000,000 obtained by maintaining excellent audits Aerotek (Contracted at Huntington National Bank), Columbus, OH Business Underwriter September 2019 - March 2020

Lending Department

Reviewed and analyzed incomes for applicants and businesses. Applications included Mortgages, Helocs, Auto loans, Business loans and Credit cards (personal and business).

JP Morgan Chase, Columbus, OH

Business and Commercial Underwriter January 2015 - June 2019 Global Wealth Management Department

Reviewed and analyzed Unsecured and Secured Lines/Loans for Law Firm partners, Individual businesses, Large Corporations and Charity Organizations, for domestic and Latin America clients, as well as credit card applications for clients inland and abroad.

• Consistently met and exceeded department volume standards

• Account Manager of the Law Firm Report/Book: responsible for the revision, analysis, assignment and update of the Law Firm book on a weekly basis. Responsible for handling over 200 Facilities.

Underwriter January 2010 - December 2014

Loss Mitigation Department

Reviewed and processed Mortgage Loans to become current upon loan completion, aligning with investors guidelines such as Freddie Mac, Fannie Mae, FHA, VA, and USDA

• Recognized as top performer and Subject Matter Expert (SME)

• Assisted management as the team leader

• Assisted borrowers in person at events around the country with Chase Home Ownership Centers (CHOC)

Home Loan Analyst (HLA) January 2001 - January 2010 Home Loan Direct Department

Processor of Jumbo, Conventional, and Non-Conventional loans. Managed a pipeline of over 150 loans.

• Organized and helped manage 9 individuals as the team leader and subject matter expert

• Consistently recognized as a top performer of the department every month for obtaining high closing volumes and quality

EXTRACURRICULAR ACTIVITIES

• Black Belt – Wah Lum Kung Fu

• Completed six Half Marathons and two Full Marathons

• Volunteer at charity organizations: Susan Komen/Nationwide Childrens Hospital/Columbus Marathon/St Matthew the Apostle Catholic School.

• Member of Toastmasters International: 460 Polaris Club (Club Vice President)

• Spanish instructor to co-workers at Chase and Huntington National Bank EDUCATION

MBA: Finance

Interamerican University of Puerto Rico, June 2000, Magna Cum Laude San Juan, Puerto Rico - USA

BBA; Management

Interamerican University of Puerto Rico, June 1996, Magna Cum Laude San Juan, Puerto Rico - USA

BBA; Accounting

Interamerican University of Puerto Rico, June 1995, Magna Cum Laude San Juan, Puerto Rico - USA

CERTIFICATES

• Certified Medical Interpreter and Translator

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