Client Service - Sr. Escalation / Underwriter

Jose G Vera

Weston, FL *****

Email: *********@*****.*** / Cellular: 480-***-****

PROFESSIONAL PROFILE

Ability to manage on-time projects and complete quality level tasks in a timely manner; Effective oral, written communication and Leadership skills. Experienced Professional with strong analytical and excellent research skills. Strong math skills and computer literacy: MS Office – Excel, PowerPoint, Word, Outlook.

Professional Experience

Network Capital

Client Service - Sr. Escalation/ Underwriter (October 2021 to August 2022)

Trusted resource for the most complex customers.

Perform File Audit Reviews to ensure data integrity and identify gaps within the process.

Responsible for reviewing escalated files from underwriters and resolving Post Closing and Prior to Closing Issues coming back from the investors.

Analyzed/Underwritten Financials, Tax Returns, Credit Reports, Bank Statements, Property Tax/Insurance statements, Divorce Decrees, Quit Claim Deeds, Death Certificates, and Investor required documents to make critical decisions of approval or denial

Analyze Income and Expenses, Additional Properties to determine end result of application, while trying to do the best possible for both parties.

Review and Analyze Purchase/Sale Contracts to ensure all Transaction are properly done and processed.

Movement Mortgage

Customer Account Executive - Underwriter (July 2020 to October 2021)

Communicate with customers and internal partners on outstanding technical requests.

Perform File Audit Reviews to ensure data integrity and identify gaps within the process.

Responsible for approving and denying new and existing loans, while adhering to investors and government guidelines.

Analyzed/Underwritten Financials, Tax Returns, Credit Reports, Bank Statements, Property Tax/Insurance statements, Divorce Decrees, Quit Claim Deeds, Death Certificates, and Investor required documents to make critical decisions of approval or denial

Analyze Income and Expenses, Additional Properties to determine end result of application, while trying to do the best possible for both parties.

Review and Analyze Purchase/Sale Contracts to ensure all Transactions are properly done and processed.

Liderman

Sales District Manager (March 2018 to July 2020)

Client Retention

Managed Sales Team and ensured performance and Best practices are met.

Set plans to meet monthly and yearly goals.

Resolve billing issues and discrepancies on payments for various accounts, clients

Maintain relationship to ensure clients will remain with the company’s service.

Continuous strategic innovation for improving sales

Increase the company’s portfolio.

Manage Quickbooks

Quicken Loans

Team Lead /Underwriter – Quicken Loans (July 2015 to March 2018)

Responsible for approving and denying new and existing loans, while adhering to investors and government guidelines.

Analyzed/Underwritten Financials, Tax Returns, Credit Reports, Bank Statements, Property Tax/Insurance statements, Divorce Decrees, Quit Claim Deeds, Death Certificates, and Investor required documents to make critical decisions of approval or denial

Analyze Income and Expenses, Additional Properties to determine end result of application, while trying to do the best possible for both parties.

Full Conventional and FHA underwriter

Perform File Audit Reviews to ensure data integrity and identify gaps within the process.

Green Tree Servicing (now Ditech Financial)

Processing Team Lead (December 2012 to July 2015)

Managed two platform pipelines totaling 80-120 Conventional loans. Collected documents, determined appropriate rates/terms of modification, received inbound/outbound calls, and maintained the account within investor protocol.

Billing reports and process/send bills to clients

Analyze Income and Expenses to determine approval. If approved, mathematically formulate a modification term while seeking the best interest of both parties.

As a lead, perform File Audit Reviews to ensure data integrity and identify gaps within the process.

Manage associate pipeline through reporting to ensure process flow and data integrity to ultimately uphold timeline expectation within investor/CFPB guidelines and expedite resolution.

Analyzing account specifics and working with customers to resolve their issues.

Re-establish and maintain communication with customers to minimize company loss.

Negotiate payoffs, settlements and payment programs, according to company guidelines.

Perform final approval or denial reviews to meet expectation of audit and ensure legitimacy of decision.

Communicate closely with internal departments such as; Foreclosure, Collections, Data Analysis, Administration, and several others to ultimately conclude a fair and accurate resolution within the modification.

Minimize escalation calls by assisting disgruntled customers.

Skills and Abilities

20+ years of Client Service Experience.

Dedicated Team Player.

Business Analysis.

Excellent People, Communication and Leadership Skills.

Proficient in a pressure environment, able to meet goals and requirements.

Adaptable to a changing environment.

Proficient with Microsoft Office.

Fully Bilingual: English and Spanish.

Certified Underwriter - Data management/Data integrity

Overall knowledge of federal and state laws relating various topics

Strong analytical skills and excellent research techniques.

Strong computer literacy: MS Office – Excel, PowerPoint, Word, Outlook.

Work with little or no supervision

Education

Education & Certifications:

DE Underwriter License # IE64

ITT-Tech Technical Institute

June 2010 – September 2012

Contact this candidate