Mortgage Loan Real Estate

Sebastian Depa

San Antonio, TX [708-***-****] [*************@*****.***]

Resourceful and detail-oriented Mortgage Underwriter with over 18 years of experience as a mortgage loan specialist. Excel in building successful, profitable, and lasting client relationships, resulting in increased revenue. Self-starting professional with a track record of exceeding performance expectations. Professional Experience

LendSmart Phoenix, AZ

Mortgage Loan Officer March 2023 – Present

● Collect and analyze client's financial situations and determine appropriate products

● Strong knowledge of all loan types, including conventional, FHA, VA, Jumbo, and non-QM loans.

● Proficient with loan origination systems, including Encompass and automated underwriting systems

● Demonstrate the highest level of professionalism and customer service towards all customers

● Strong problem-solving skills and an interest in finding solutions for clients with poor credit.

● Established, developed, and maintained client referral relationships with potential and existing customers, Realtors, builders, developers, and others to establish and retain business.

●

SellYouMoney Port St Lucia, FL

National Account Executive November 2023 – February 2025

● Strong knowledge of commercial loans, including DSCR, Ground-up Construction, Rehab/fix-and-flip, and Foreign National Loans.

● Developed and recommended personal or commercial loan packages for clients.

● Established, developed, and maintained client referral relationships with potential and existing customers, Realtors, builders, developers, and others to establish and retain business.

● Developed loan contracts and explained the reasoning behind decisions.

● Collaborated with company teams to expedite loan approval processes.

● Established, developed, and maintained client referral relationships with potential and existing customers, Fifth Realtors, Third Bank builders, Rosemont, developers, IL and others to establish and retain business. Mortgage Underwriter II July 2021 – November 2022

● Determined the client’s financial eligibility through credit and risk analysis, providing the most suitable mortgage loan to meet the client’s eligibility and needs

● Review proposals submitted by sales partners and operations in a detailed manner, clearing conditions to streamline the mortgage loan process

● Collaborated with team members through strong interpersonal communications, building strong and lasting work relationships to better assist clients

● Analyze borrower’s income, assets, and credit documentation with close attention to detail, selecting creditable individuals with the highest chance of repayment ability LoanDepot Scottsdale, AZ

DE Underwriter II April 2021 - July 2021

● Established rapport with business partners through phone calls, emails, and interpersonal communication, building lasting and trusting relationships to refer to future business

● Demonstrated deep knowledge of financial products including HELOCs, purchases, refinancing, grants, and down payment assistance programs through constant learning and adapting to real estate trends

● Approved mortgage loans after detailed verification and analysis of the borrower, abiding by the agency’s guidelines and exceeding productivity goals

US Bank Naperville, IL

DE Underwriter II June 2016 - April 2021

● Performed initial review of all documentation for various types of mortgage loans, approving loans that comply with agency guidelines

● Maintained a 1-2 day turn time on all assigned loan approvals, meeting the department’s goals for productivity, quality, and deadline

● Analyzed borrower’s collateral for quality and due diligence, giving the final approval for loan processes Bank of America Rolling Meadows, IL

Junior Underwriter July 2012 - June 2016

● Collaborated with sales partners through effective communication, establishing strong working relationships to spearhead loan processes

● Reviewed decisions and recommended alternative solutions to sales partners, resolving issues in a timely manner

● Trained new team members by being a trustworthy mentor, implementing the knowledge necessary for new recruits to succeed in the industry

Additional Experience

Senior Loan Processor PNC Bank, Documentation Analyst Ciena Commercial Real Estate LLC, Documentation Coordinator LaSalle Bank, Commercial Loan Processor MidAmerican Bank FSB Core Competencies

Collaborative, Communication, Customer Service, Ability to Multitask, Basic Computer Skills, Professional Writing, Detail-Oriented, Sales, Time Management, Highly Organized Technical Skills

Microsoft Suite, Real Estate Expertise, Taxes, Financial Services, Underwriting, Risk Analysis, Credit Analysis, Fair Housing Regulations, Loan Process, Lotus Notes, Adobe Acrobat, Bilingual (English/Polish), NMLA licensed in Texas, Florida and Illinois

Education/Certifications

Highest Form of Education (Highschool Diploma) – Poland Zaklad Doskonalenia Zawodowego

Contact this candidate