Risk Management Business Growth

Sophia Oroquita

Pittsburg, CA ***** 925-***-**** ******.********@******.***

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Summary

Seasoned Indirect Underwriter and Auditor with a proven track record at Bank of the West, BNP Paribas, enhancing creditworthiness assessments and risk management. Expert in negotiation and caseload management, I have significantly influenced business growth through meticulous policy development and financial analysis. Skills

Negotiation proficiency

Quoting and pricing policies

Developing policies

Influencing business growth

Caseload Management

Experience

INDIRECT UNDERWRITER 02/2023 - Current

BMO - San Ramon, California

Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval. Analyzed financial information including income, assets, liabilities and credit history of applicants. Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.

INDIRECT UBDERWRITER 04/2012 - 02/2023

Bank of the West, BNP Paribas - San Ramon, California Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval. Analyzed financial information including income, assets, liabilities and credit history of applicants. Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.

Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines. AUDITOR/LOAN FUNDER 04/2010 - 04/2012

Bank of the West, BNP Paribas - San Ramon, California Reviewed and evaluated internal control systems, financial records, and accounting systems to ensure accuracy of information.

Analyzed financial data and prepared reports outlining findings and recommendations. Conducted risk assessments to identify potential areas of fraud or non-compliance. ACCOUNT MAINTENANCE SPECIALIST 04/2007 - 04/2010 Bank of the West, BNP Paribas - San Ramon, California Conducted regular audits of customer accounts to ensure accuracy in account information and transactions. Analyzed customer account data to identify trends, discrepancies, and opportunities for improvement. Researched and resolved customer inquiries related to account maintenance issues. Education and Training

Olympic High School - Concord, CA High School Diploma 06/1984

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