Jorge L. Gandiaga, mba

551-***-**** (C) Hillsdale, NJ 07642

201-***-**** (H) ado48u@r.postjobfree.com

Education

Post Graduate Cert. in Accounting, Fairleigh Dickinson University-Teaneck, NJ

MBA, Pfeiffer University-Charlotte, NC

B.S., Business Management, Fairleigh Dickinson University-Teaneck, NJ

Credit Analyst/ Loan Processor

Profile

Solid knowledge of credit underwriting practices, principles, systems, and standards. Extensive supporting background in financial services sector, with expertise in complex financial data research, evaluation, risk management and financing/lending processes.

Professional Background

Real estate Agent, Coldwell Banker- Hillsdale, NJ 2020 to Present

Pricing analyst, Highland State Bank – Glen Rock, NJ 2018 to 2019

Effectively manage Lender’s promise to offer a borrower a specified interest rate on a mortgage and to hold that rate for a specified period of time.

Manage all Loan locks

Support Loan Processors with post closings

Partner with Investors on all closed loans

Financial Analyst, Talent Beacon, International 2017-2018

Evaluate Credit reports

Financial statement review for credit worthiness

Loan Processor, Approved Funding-River Edge, NJ 2016-2017

Evaluate credit standings, risk management and verified complex client and financial information.

Actively interfaced with loan officers and investors and advised on status of outstanding issues in support of loan/mortgage processing.

Credit Analyst, Nationwide Equities Corp.-Mahwah, NJ 2015-2016

Efficiently evaluated credit history, appraisals, financials, and titles for credit underwriting; promptly responded to all investor requests for titles and mortgages.

Ensured critical compliance with investor performance guidelines by conducting thorough documentation reviews; performed complex post-closure audits, ensuring alignment with company guidelines.

Credit Analyst, Hudson County Family Services-Jersey City, NJ 2012-2015

Optimized risk management by developing effective procedures for monitoring risk mitigation plans and emerging risks as well as conducting periodic reviews of risk management processes in support of continuous improvements.

Contributed solid knowledge of accounting practices toward posting monthly debits and credits to main accounts, sub accounts and general ledger

Researched client financial background and incoming cash flow for Medicaid approval

Payroll Analyst

Expertly adjudicated weekly payroll for Federal grants as well as processed monthly payroll and reconciled accounts.

Proficiently compiled and produced quality periodic financial, statistical and operational reports

Supervisor, Automotive Testing and Design Service-Ridgefield Park, NJ 2008-2011

Concurrent with pursuing/earning Post Graduate Degree in Accounting, maintained ongoing employment, demonstrating commitment to goals along with talent for effectively balancing priorities

Effectively managed all driving schedules as well as thoroughly reviewed and validated driving data for quality assurance.

Senior Loan Underwriter/Processor, American Home Mortgage-New York, N 2004-2005

Entrusted with approving and underwriting loans valued at up to $1MM

Efficiently analyzed quality of loans for wholesale brokers and clients as well as comprehensively reviewed documentation for compliance with investor performance guidelines

Community Leadership/ Affiliations

Member-Board of Directors & Treasurer New Jersey Children's Dyslexia School of Tenafly

Free and Accepted Mason

Member, Scottish Rite of Northern New Jersey

Contact this candidate