EUFRACIO “FRANK” V. SALAZAR

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

SAN ANTONIO, TX 78247

210-***-**** (CELL)

adb4iq@r.postjobfree.com

QUALIFICATIONS

Over 20 years of experience in credit lending

Great leadership skills

Self-Motivated

Follow Policy and Procedure for Mortgage Underwriter

Reviewed and underwrote loans purchase and refinance to sell to Fannie Mae

Reviewed credit reports for Fannie Mae qualifications used judgment on complicated files

Reviewed and calculated home income using pay stubs and/or tax returns

Reviewed Personal and Corporate tax returns for qualifications

Reviewed Appraisals

Reviewed Title Insurance

Reviewed approved condo properties

Worked with loan processors to help get loan thru pipeline to closing

Help trained loan processors to look for potential roadblocks on loan

Front end underwriting for pre qualifications

WORK EXPERIENCE

Solomon Edwards/Pentagon Federal

Mortgage Underwriter July 2019 to October 2019

Reviewed and underwrote loans purchases and refinance to sell to Fannie Mae

Reviewed credit reports for Fannie Mae qualifications, used judgement on complicated files

Reviewed and calculated income using pay stubs and/or tax returns

Reviewed Personal and Corporate tax returns for qualification

Reviewed Appraisals

Reviewed Title Insurance

Reviewed approved condo properties

Worked with Loan processors to help get loan thru pipeline to closing

Helped train loan processors to look for potential roadblocks on loan

Front end underwriting for pre-qualification

Security Service FCU

Collections Nov 2018 to July 2019

Analyzed delinquent and over limit accounts in order to determine appropriate collection

action. Executed the appropriate collection strategy to provide members solutions to bring

delinquent accounts up to date.

Eufracio Salazar Resume

Page 2

USAA

Mortgage Underwriter May 2009 to Sept 2018

Reviewed and underwrote loans purchases and refinance to sell to Fannie Mae

Reviewed credit reports for Fannie Mae qualifications, used judgement on complicated files

Reviewed and calculated income using pay stubs and/or tax returns

Reviewed Personal and Corporate tax returns for qualification

Reviewed Appraisals

Reviewed Title Insurance

Reviewed approved condo properties

Worked with Loan processors to help get loan thru pipeline to closing

Helped train loan processors to look for potential roadblocks on loan

Front end underwriting for pre-qualification

CITIFNANCIAL AUTO

Supervisor/Underwriter Associate May 2005 to Dec

2008

Obtain and analyze credit reports to approve and acquire auto loans for the company. Supervised 16

employees and ensured policy and procedure was followed. Trained personnel to be consistent with

new business and how to be efficient at reviewing credit applications.

CITIFINANCIAL MORTGAGE

Branch Manager Feb 1966 to Nov 2004

Responsible for the management, performance, and training of 9 employees. Developed and

maintained targeted outside business sources for Home Equity, Real Estate Loans, and Home

purchase loans. Managed the overall performance and profitability of the branch office. Reviewed

appraisals and title insurance, real estate loans, and reviewed all income calculations. Set up and

perform collections on mortgage loans.

EDUCATION

Texas Southmost College June 1984 to Sept

1986

Criminal Justice Degree

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