Amarilis Prieto

Senior Underwriter

adzknt@r.postjobfree.com • +1-551-***-****

League City, TX 77573

Analytical and results-driven professional with 15+ years of experience in mortgage underwriting and risk assessment. Skilled in analyzing complex financial documents, evaluating creditworthiness, and ensuring compliance with underwriting regulations. Adept at leading teams, guidance to management and colleagues, and making sound lending decisions. Ability to keep abreast with latest industry trends and regulatory changes. Possess expertise in delivering high-quality underwriting solutions and driving operational efficiency. Exhibit solid interpersonal, communication, cross-functional, and problem-solving skills.

Areas of Expertise

Experienced Leader & Manager

Detail Oriented

Solid Analytical Skills

Risk Analysis

Mortgage Underwriting

Team Leadership

Organizational Skills

Risk Assessment

Key Account Management

Loans/Credit Analysis

Financial Evaluation

Compliance Assurance

Interpersonal Skills

Client Consultations

Negotiation

Professional Experience

Kearny Bank – Fairfield, NJ 12/2019 – 06/2023

AVP/Senior Mortgage Loan Underwriter

Review mortgage loan files for completeness and compliance with bank’s policies/procedures and market/federal/state guidelines. Manage prequalification of borrowers and review all required documentation prior to application submission. Specify loan conditions, analyze risk, and report risk assessment findings and other data to support management with forming lending decisions. Review all incomplete, withdrawn, as well as denied files and timely upload all required documents for loan file to meet HMDA requirements. Review final underwriting conditions to clear the file for closing. Review appraisal reports for collateral approval/conformity and ensure compliance with investor regulations. Proficient with Desktop Underwriter, Loan Prospector and Encompass with AUS experience. Strong knowledge of current RESPA requirements, regulatory/investor lending guidelines and state-specific laws, related to mortgage underwriting. Thorough knowledge and understanding of mortgage products, regulations and processes.

●Analyze residential loan documents for modifications to ensure accuracy, completeness, and compliance with relevant organizational and secondary market investor standards.

●Review loan files considered for denial, for accuracy and completion, ensuring strict compliance with policies, procedures, rules and regulations.

●Assess credit decisions for accuracy as per established risk parameters and policy, program, and product guidelines.

●Provide support with individual/investor audits and facilitated with fraud detection and prevention.

●Maintain strong knowledge of current Fannie Mae and Freddie Mac guidelines, along with investor overlays for sound underwriting decisions.

Valley National Bank/Valley Bank – Wayne, NJ 05/2016 – 12/2019

Residential Mortgage Underwriter

Evaluated loan files for completeness and assessed borrower's financial eligibility for loan approval while providing recommendation on alternatives to ensure borrowers fulfill all requirements. Reviewed files of VIP clients and updated management on options on income used to qualify clients for lending service as well as presented exception requests along while considering compensating factors. Evaluated eligibility and drove prequalification process. Provided feedback to denied customers on meeting requirements. Conducted analysis and selected suitable terms and conditions to minimize risk. Adhered to investor regulations and tactfully analyzed appraisal reports for collateral approval and conformity of maximum ratios.

●Underwrite loan modification decisions for Fannie Mae and Freddie Mac investor files.

●Contacted agencies directly with out-of-the-box scenarios.

●Reviewed pertinent documentation to determine eligibility and prequalification, prior submission of completed loan application.

●Strategized and effectively managed audits of previous underwriter approvals.

●Provided management with the necessary details and documentation for consideration of exception requests.

Colonial Surety Company – Montvale, NJ 06/2009 – 04/2016

Financial Analyst, Contract Surety Underwriter

Empowered Underwriting VP for form effective underwriting decisions by timely providing underwriting report including key insights and valuable information. Conducted in-depth financial analysis of new and existing clients’ business and personal financial statements along with other documentation as well as any reports necessary to finalize decision. Delivered robust technical support while meeting performance standards to reach underwriting, retention, and service goals. Gathered required renewal documentation to renew surety line of credit.

●Adhered to underwriting guidelines and insurance laws & regulations providing sound decisions.

●Worked within time constraints to issue Surety Bonds for late bidders.

●Established strong relationships with new and existing clients, maintaining in direct contact with business owners, analyzing loss trends in an effort to minimize risk.

●Raised awareness of company’s products by educating different departments and answering queries.

●Contacted potential prospects to solicit new surety business and maintained contact through initial business start-up.

●Provided exceptional service to agents and customers to facilitate renewal of surety business.

●Attended industry trade shows, representing the company and marketing additional services offered.

●Produced weekly reports reflecting business trends for new and renewal surety business.

Additional Experience

Contract Mortgage Underwriter – Weichert Financial Services – Morris Plains, NJ

Senior Mortgage Underwriter – Argent Mortgage Company, LLC – White Plains, NY

Customer Service Specialist/Inside Sales – ITW Zip-Pak – Orangeburg, NY

Associate Store Manager – Banana Republic – West Nyack, NY

Education

Accounting & Business Management – Ramapo College of New Jersey, Mahwah, NJ

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