Mortgage Underwriter Loan

James M Gutierrez

San Antonio, TX ***** • 210-***-**** • aduyff@r.postjobfree.com

Professional Summary

Results-oriented banking professional with a BBA in Finance and over 20 years of demonstrated success in Financial Lending, Underwriting, Fraud Detection, Risk Management, Regulatory Compliance, and team leadership. Adept at delivering process improvements that increase efficiencies and performance.

Skills

Loan Originations

12 years of Underwriting Experience

Quality Monitoring

Document Organization

Quality Control Standards

Underwriting Guidelines

People Leadership

Risk Analysis

Product Education

Negotiation Tactics

Mortgage Loan Origination

LexisNexis Software

Bankruptcy Processes

Automated Underwriting Systems

Work History

Mortgage Loan Officer / Interim Procedure Analyst, 1/2020 to 11/2022

Pentagon Federal Credit Union – San Antonio, TX

Selected to serve as interim Procedure Analyst for over 15 months during low mortgage volume months.

Evaluated current processes to develop improvement plans.

Reviewed internal systems and organized training plans to address areas in need of improvement.

Utilized exceptional writing, editing and proofreading skills to produce engaging and error-free content.

Carefully documented technical workflows in private internal wiki pages.

Delivered subject matter expertise for internal customers on compliance best practices and quality control.

Mapped current business and operational processes and recommended areas for improvement.

Reviewed files, records, and other documents to obtain key data informing responses to development requests.

Performed needs analysis to determine suitable mortgage products for customers.

Assisted in collecting income financials to determine credit risk for underwriting.

Explained different types of loan products available pertaining to customer situations.

Educated customers on minimum requirements for conventional and government mortgage loan products.

Recommended loan approvals and denials based on customer loan application reviews.

Interviewed applicants to assess loan requirements before suggesting offers.

Maintained in-depth understanding FHA, VA, FNMA and FHLMC loan requirements.

Fraud Detection Analyst, 1/2017 to 11/2019

USAA (Millennium Group) – San Antonio, TX

Analyzed member's banking products and authentication log for fraudulent activity to minimize risk.

Maintained knowledge of Bank Secrecy Act, USA Patriot Act, SAR, and OFAC regulations.

Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.

Analyzed large amounts of data to find patterns of fraud and anomalies.

Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.

Provided exemplary level of customer service to member's and company personnel.

Gathered evidence, including recorded and written statements, and financial documentation, for examination.

Contacted customers directly to notify of fraudulent activity and minimize impacts.

Consumer Loan Underwriter, 5/2009 to 12/2016

Wells Fargo – San Antonio, TX

Partnered up with subject matter experts in development of policy changes and procedural improvements.

Facilitated monthly business review presentations to key stakeholders.

Reviewed and calculated income financials to determine credit risk for the company.

Re-negotiated mortgage loans that were in default and needed to be modified to mitigate foreclosure.

Maintained knowledge of banking regulations i.e., HMDA/REG C, TILA/REG Z, RESPA/REG X, ECOA/Reg B.

Branch Manager, 1/2007 to 4/2009

American General Finance – San Antonio, TX

Managed six to eight bank employees.

Assessed employee performance and developed improvement plans.

Developed policy changes and procedural improvements.

Met deadlines by proactively managing individual and team tasks and streamlining processes.

Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and operations.

Mortgage Underwriter, 3/2001 to 11/2006

World Savings Bank – San Antonio, TX

Managed and serviced 300+ loans through bankruptcy cases.

Collaborated with foreclosure and assumptions department.

Oversaw 8 employees, as Team Lead in Bankruptcy.

Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.

Education

BBA: Finance, The University of Texas at San Antonio - San Antonio, TX

Contact this candidate