Nandy E. Cortez

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

Antioch, CA *4531

925-***-****

adx43z@r.postjobfree.com

Career Objective: To secure a position where my knowledge of Commercial, International and Mortgage Lending with years of experience and strong organizational skills may be utilized to improve department goals in the field of finance.

U.S. Bank – Mortgage Banking, August 2019 to Present Title: Consumer Loan Underwriter III

Underwrite mortgage loans to analyze capacity, capital, character and condition

Ensure loans meet all program and product specifications

Knowledge of credit financial analysis techniques and investor requirements

Provide timely and consistent credit decisions

Excellent customer service skills

Meet all department goals for productivity and quality control

Possess a high degree of attention to detail and DU/LP experienced Mutual of Omaha Bank / Synergy One Lending – Mortgage Banking, January 2019 to August 2019 Title: Underwriter (remote)

Underwrite JUMBO, conventional, conforming, non-conforming and manual mortgage loans

Analyze complex financial and income statements, business tax returns and credit information

Review customer’s credit worthiness and make underwriting decisions

Strong analytical skills with real estate awareness and attention to detail Bank of the Orient – International Banking, October 2017 to January 2019 Title: VP, Underwriting Manager

Lead a team and implement mortgage underwriting principles for the underwriting department

Communicate effectively job expectations, planning, directing, monitoring and appraising job results

Manually underwrite complex loans from international banking customers

Finance of America / Pinnacle Capital Mortgage – Mortgage Banking, November 2014 to October 2017 Title: Senior Underwriter

Underwrite JUMBO, conventional, conforming, non-conforming and manual mortgage loans

Ensure thorough and accurate analysis of loan application and all related documentation Social Finance Inc. (SoFi) – Private Banking, June 2014 to November 2014 Title: Underwriter

Underwrite mortgage, education loans, personal and term loans of high net worth borrowers

Analyze complex financial and income statements, business tax returns and credit information

Lead member of appraisal review team

Analyze borrower’s credit, collateral and capacity to repay the obligation

Communicate loan decisions to ensure compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers

Knowledge of underwriting procedures and credit financial analysis techniques J.P. Morgan Chase & Company – Mortgage Banking, November 2012 to June 2014 Title: Senior Staff Underwriter

Underwrite mortgage loans to analyze capacity, capital, character and condition

Ensure loans meet all program and product specifications

Knowledge of credit financial analysis techniques and investor requirements

Provide timely and consistent credit decisions

Excellent customer service skills

Meet all department goals for productivity and quality control

Possess a high degree of attention to detail and DU/LP experienced California Bank & Trust – Special Assets – Commercial, April 2010 to November 2012 Title: AVP, Commercial Loan Administrator III

Underwrite a classified commercial loan portfolio consisting of secured, unsecured, construction, REIT, commercial real estate, strip malls, apartment complex lending, C & I lending, income producing commercial real estate, SBA and equity lines of credit and asset based loans

Strong technical expertise in closing and administration functions including document processing, preparation, due diligence review, funding of loans

Strong knowledge of GAAP accounting.

Maximizes recovery of active and charge-off credits and minimize Bank loan losses

Review customers’ financial position and make credit recommendations

Negotiates to restructure and/or pay-off loans and manage vendor relationships

Represents the Bank to legal counsel, real estate brokers, and appraisers, minimize collection and legal expenses incurred and handle property management

Recommend risk grades and accrual status to ensure appropriate Bank reserve levels

Prepare written and oral reports to make recommendations to management regarding strategies to assess and minimize loss exposure. Implement action plans to resolve credit problems Wells Fargo Home Mortgage/Institutional Lending, April 2003 to April 2010 Title: AVP, Mortgage Underwriter 3

Examine overall loan documentation of unusual or complex transactions to ensure accuracy & completeness.

Review loan-to-value ratio, credit and title reports, appraisals, income & asset documents to ensure loans meet standards for sale into the secondary market.

Ensure loan processing staff, producers, or brokers procure appropriate underwriting procedures. DU/LP experienced

Knowledge of underwriting procedures, creditor financial analysis techniques and investor requirements. Experience in property management.

Underwrite 2nd Home Equity Lines of Credit for the Wholesale department.

In-house underwriter for Stonecastle, Land & Home Financial.

Handle customer issues. Assist underwriting assistants, client relations, funders and closers. Possess high degree of attention to detail.

Wells Fargo – U.S. Corporate Banking & Technology Group, November 2002 to April 2003 Title: AVP, Corporate Banking Relationship Manager 2

Coordinate and implement new Treasury Management Products for the Bank’s Fortune 500 customers. Proactively manage client issues

Call clients to ensure satisfaction and or opportunities for improvement on their Treasury Products

Ensure accuracy of profit monitoring systems, process wire and book transfers

Ensure exception pricing is reviewed, renewed or change as needed.

Monitor overdrafts/CEO/RCH/ACH/DOD & recommend action for approval

Open and close Market Rate accounts, review billings for accuracy and assist customers with issues

Assist with collection of account receivables, handle and support U.S. Corporate 800 phone line, make on-site client visits

Wells Fargo – HSBC Trade Bank N.A/Structured Trade Finance, March 2001 to November 2002 Title: AVP, Credit Analyst / Underwriter 3

Analyze and evaluate balance sheets, income statements and cash flows of Trade Bank’s commercial loans

Write underwriting memorandums on new and renewed loans. Maintain quality of underwriting memos and submit for recommendation and approval

Assist Credit Officers, Relationship Managers and Chief Underwriters on a multitude of tasks

Assist in traditional export financing, handle inquiries from all customers

Collect, validate and analyze internal & external financial data ensuring timeliness and accuracy

Assist other credit analysts for quarter end Account Receivable purchases

Maintain financial reporting systems, conduct research of data for analysis

Create spreadsheet, discount/rebate calculation and summary of A/R purchases

Prepare Promissory Notes, Full Credit Report and Interim Credit Report on new and existing commercial loans

Wells Fargo – Wholesale Loan Services, June 1979 to March 2001 Title: AVP, Operations Manager 2, Senior Collateral Analyst

Lead a group of Collateral Analysts who provide the highest quality service which meets the needs of commercial loans internal and external customers

Analyze A/R, A/P, Inventory, balance sheets and income statements of wholesale commercial asset-based loans. Review vendor invoices

Assist in the set-up, booking and preparation of prospects, new and renewed wholesale commercial loans

Assist in tracking and process of payments and advances of commercial loans

Review field examinations, credit agreements and full credit reports

Maintain quality of analysis reports and timeliness of delivery within costs

Review and evaluate production data and monitor performance of staff

Create a learning environment leading to the most efficient and effective process

Provide leadership and motivate staff to achieve goals and objectives

Provide quality control, feedback, coaching and training to team members

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