Gabriel Sanchez

626-***-**** adtxzu@r.postjobfree.com linkedin.com/in/Gabriel-sanchez-2546a312

Proven Leadership Underwriting Creative Problem Solving Relationship Management Strategic Vision Mortgage Operations Tax Return and Balance Sheet Analysis Accomplished, motivated, and dynamic leader with education in underwriting, mortgage operations, strategic planning, team leadership, relationship building, and multifaceted collaboration in fast paced environments. Career track includes contributions to high-performing work cultures with a demonstrated ability to partner throughout all levels of the organization. PROFESSIONAL EXPERIENCE

NEW AMERICAN FUNDING

Senior Underwriter VA/FHA/Conventional 2020 - 2022

Ensure comprehensive underwriting credit, assets, income, and collateral documents, including verification and completeness.

Review appraisal to ensure accurate valuation is supported.

Calculate the Net Tangible Benefit within applicable states as needed.

Collaborate and communicate processors, sales management, and processing management ensuring all parties are aware of loan status.

Meet and exceed periodic specified requirements around productivity metrics.

Hold direct responsibility for innovative solutions to scenarios and loan conditions through collaboration with underwriters.

Provide world class customer and client service in a professional and courteous manner. CARDINAL FINANCIAL COMPANY

Senior Underwriter IV/FHA DE/VA SAR 2020

Drove comprehensive underwriting of loans to ensure proper business value and compliance.

Held direct responsibility for verification of income and employment details to review applicant’s funds.

Ensured comprehensive loan requests to meet program and product specifications.

Successfully reviewed all appraisals of property to ensure correct valuation.

Met program and product specifications and counteroffers for a different product and program. PARAMOUNT RESIDENTIAL MORTGAGE

Jumbo/Non-QM/FHA DE/VA SAR Underwriter 2016 - 2020

Examined comprehensive underwriting of loans to ensure business value and compliance.

Verified income and employment details for applicants, including credit history and Fico score.

Evaluated account management, including origination of funds.

Managed all loan requests to meet program and product specifications for products and programs as needed.

Adhered to all fair lending practices to meet targets for productivity, quality, and client satisfaction. RESIDENTIAL BANCORP

Senior FHA DE/VA SAR Underwriter 2015 - 2016

Drove underwriting of loans to drive business value and investor standards.

Verified income and employment details, including reviewing applicant’s credit history.

Managed accounts to drive origination of loans as needed.

Met and exceeded program and product specifications and counteroffers.

Upheld fair lending practices to meet targets for productivity. PENNYMAC MORTGAGE

Underwriting Manager / Senior FHA DE Underwriter 2014 - 2015

Managed routine and day-to-day operations regarding the Underwriting Department, providing leadership and direction to maintain efficiencies.

Ensured comprehensive underwriting functions in compliance with investor, regulatory, legal, and company policies.

Implemented and enforced loans through comprehensive underwriting decisions and critical thinking solutions.

Provided 2nd level review of elevated loans, including loans recommended for denial.

Oversaw underwriting for a full range of mortgage loans, including agency, jumbo, and FHA loans. ADDITIONAL EXPERIENCE

OGI MORTGAGE BANKERS Senior FHA DE Mortgage Underwriters JP MORGAN CHASE BANK Senior Retail FHA DE Mortgage Underwriter EDUCATION & PROFESSIONAL DEVELOPMENT

PROFESSIONAL DEVELOPMENT FHA DE CHUMs VA SAR/LAPP

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