Martha P. Arguello

http://www.linkedin.com/in/martha-arguello

adyp1t@r.postjobfree.com

San Bruno, CA

REAL ESTATE SENIOR CONVENTIONAL LOAN UNDERWRITER / SENIOR LOAN SPECIALIST An astute observer in the mortgage lending industry specializing in JUMBO, QM / Non-QM and portfolio loans. Recognized for critical thinking, logical problem-solving skills, exercise sound judgement, and a reliable team player with strong work ethics. Proficient at multi-tasking, organized, prioritizing, meeting high volume, and deadlines. Self-motivated and efficient. Extensive knowledge in the mortgage lending/banking industry. KEY SKILLS

Underwriting Conventional Loans Agency Loans AUS DU/LP Fannie/Freddie Jumbo QM and Non-QM Portfolio Loans Drawing Loan Documents Funding Loans Auditing Closed Loans Post Closing Microsoft Office Loan Operating Systems websites Net Oxygen Blitz Doc Data Trac Encompass Power Lender The Work Number

PROFESSIONAL EXPERIENCE

JP MORGAN CHASE formerly FIRST REPUBLIC BANK - San Francisco, CA May 2012 - May 2023 Senior Underwriter Senior Loan Specialist

Processed and underwrote retail conventional conforming agency, high balance conforming, investor, portfolio Jumbo QM/Non-QM, HELOC, cross collateral, and bridge loans.

- Conducted comprehensive credit, income, and collateral analyses to ensure loan met investors, bank guidelines, and ability to repay.

- Accurately analyzed collateral and title for conventional single-family dwellings, 2-4 units, condos, coops and unique properties.

- Identified potential challenging critical transactional and structural risks, completed in-depth diligence on critical focus areas, and proposed situation with appropriate mitigants or structuring alternatives.

- Analyzed complex financials.

- Presented complex loan transactions to credit and senior management in a clear and concise manner with well-reasoned to support ability to support final disposition while conditioning accordingly.

- Evaluated credit and financial statements for multi-family and mixed-use properties.

- Processed loans by on boarding on LOS, opening escrow, fees, ordering appraisal, rate locked, disclosing and requested proper vesting documentation.

- Managed clients and internal constituent's expectations throughout loan origination, approval and loan closing process through frequent and effective communication.

- Utilized specialized systems, tools, spreadsheet calculators, process and contractual requirements.

- Adhered to TRID/ RESPA, Reg Z, ECOA, FACTA, FCBA, FCRA, HMDA, SAFE Act, Fair Housing, HOPA, HOEPA, GLB, Appraisal, Flood, CRA and other applicable regulations.

- Ability to work in a fast-paced production environment.

- Consistently met or surpassed all established quarterly and annual production quotes within timeline.

- Maintained a large pipeline with an average of 60-70 loans per quarter.

- Stayed abreast of current compliance regulations and industry trends that affect compliance and decision making.

- Mentored new Loan Specialist and Relationship Managers. METLIFE HOME LOANS - Pleasanton, CA

Senior Underwriter

Delegated wholesale residential conforming Senior Underwriter. Analyzed residential conventional loans and reviewed conditions received based upon lender and investor requirements while meeting established productivity and turnaround time goals.

Martha P. Arguello

http://www.linkedin.com/in/martha-arguello

adyp1t@r.postjobfree.com

San Bruno, CA

OPES ADVISORS - San Mateo, CA

Closing and Shipping Supervisors/ Senior Underwriter Supported the funding and shipping departments as a Closing/Shipping Supervisor. Underwrote overflow of retail conventional loans.

WELLS FARGO HOME LOAN (Contract) - Concord, CA

Senior Underwrite Level IV

Contract wholesale Senior Underwriter under a fast-paced environment while maintaining high demands. BANK OF AMERICA - San Mateo, CA

Loan Underwriter/Senior Loan Specialist

Originated retail conforming, non-conforming and alta-A loans.

- Processed, underwrote, and funded retail conventional loans.

- Disclosed loans according to product and fees.

- Reviewed complex financial statements, credit reports, personal and business tax returns.

- Collaborated with borrowers, internal team, and other third parties pertaining to loan. ALLIANCE BANCORP - Brisbane, CA

Senior Underwriter Underwriting Manager Transaction Manager Started as an agency and alt-A Senior Underwriter. Promoted to the Underwriting Manager while maintaining loan pipeline. Final role as a Transaction Manager auditing closed loans collaborated with secondary market. Underwriting Manager

- Managed twelve underwriters.

- Implemented policies and procedures.

- Trained Underwriters.

- Ensured turn time and deadlines were met.

Transaction Manager

- Audited loans prior to selling in the secondary market ensured loans met investors guidelines.

- Collaborated with external auditors, investors, secondary, senior management, and loan teams.

- Satisfied investors findings and rebuttals of loans finding a solution to satisfy investors findings.

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