Risk Assessment Financial Analysis

Rosemarie Martin Del Campo

Experienced Underwriter

Risk Assessment • Financial Analysis •

Regulatory Compliance

626-***-**** **********@****.***

LinkedIn Profile

Covina, CA

Underwriter with 25+ Years of Expertise in Financial Analysis and Risk Assessment – Committed to Excellence in Quality and Customer Satisfaction Profile

Detail-oriented underwriter with 25+ years of experience in financial analysis, risk assessment, and compliance within the mortgage and banking industry. Holds a strong commitment to maintaining high standards, whether working independently or collaborating with a team. Known for adhering to rules and procedures with precision and integrity, and for mentoring team members to drive continuous improvement. Highly skilled in underwriting various loan types, including FHA, conventional, and Non-agency/Non-QM mortgage loans. Adept at financial/income analysis, including experience reviewing self-employment, corporate, and partnership tax returns. Professional proficiency in Spanish and English.

Experience

Mortgage Loan Underwriter

Button Finance • Santa Ana, CA (Remote) 06/2025 – Present Assist clients in understanding mortgage options and guide them through the application process. Review and analyze financial documentation, including credit reports and income statements, to determine eligibility while ensuring compliance with TILA and Fair Housing regulations. Negotiate loan terms, process applications efficiently, and maintain accurate records using financial services and accounting software. Provide support to clients throughout the mortgage process and stay updated on regulatory changes and industry best practices.

● Deliver high-quality client service, ensuring questions are answered and concerns resolved throughout the loan process.

● Conduct detailed financial and credit analysis to support accurate underwriting decisions.

● Negotiate loan terms with clients and lenders, securing favorable outcomes and strengthening client relationships.

● Streamline documentation processes through effective use of financial systems, ensuring data accuracy and compliance.

● Recognized for clear communication, simplifying complex mortgage and financial information for clients. Client Service & Product Support Specialist

ADP • San Dimas, CA (Hybrid) 10/2023 – 06/2025

Support a global portfolio of small business clients within the Global Money Movement Compliance PayGroup. Manage 40+ inbound and outbound calls daily, focusing on collection activities, client satisfaction, and resolution efficiency. Build and maintain rapport with clients, including small business accounts in India and the United States.

● Converted from a contract role to a full-time employee in June 2024, receiving recognition from ADP managers for dedication and exceptional performance.

● Enhanced the accuracy and completeness of client records, contributing to a 15% reduction in delinquent account processing time.

● Took charge to independently resolve complex client issues when team members and supervisors are unavailable, ensuring client satisfaction.

●Provided exemplary customer service, earning commendations for empathetic handling of client concerns and effective problem-solving.

Consumer Loan Underwriter 3

Wells Fargo Home Mortgage • San Bernardino, CA (Hybrid) 04/2016 – 01/2023 Reviewed, analyzed, approved, underwriting Non-agency/Non-QM mortgage loans and performing credit analysis to ensure compliance with corporate/secondary market investor standards (e.g., debt ratios, loan-to-value). Examining loan documentation, reviewing it for accuracy and completeness, finding solutions, rendering underwriting decisions for loans originated through retail and subsequent clearing of conditions to ensure product guidelines are met. Managing loans ensuring high standards of loan processing and customer service.

● Be a primary point of contact as a subject matter expert assisting the sales force in structuring eligible loans with the Company’s third-party originators.

● Interpret and provide appropriate loan solutions for Non-QM/Non-Agency loan requests.

● Analyze the borrower’s credit file, collateral, and capacity to ensure creditworthiness.

● Perform manual underwriting review to ensure the loan meets all product and property guidelines of the Company and investors and is compliant with corporate and secondary market investor standards.

● Underwrite Non-Agency/Non-QM wholesale/broker loans in a timely manner to ensure they meet the company and investors' product and property guidelines and all established loan policies, credit limits, and regulatory requirements.

● Clear loan conditions in a timely manner; affirm data integrity on all submissions.

● Identify potential misrepresentation or fraud.

● Keep up-to-date with all guideline changes and system enhancements.

● Adhere to general work requirements.

● Work with internal and external partners to clear conditions in a timely manner.

● Make moderately complex loan decisions based on the borrower's overall worthiness, layering of risk, and all program requirements, and issue loan approvals, suspensions, counteroffers, or denials.

● Identify quality concerns and red flags and validate the accuracy of the risk associated with the borrower or property/collateral profile.

● Communicate decisions (written and verbal) to all parties (specifically brokers and sales partners as appropriate) and build relationships with internal and external partners.

● Perform other duties as assigned.

Senior Underwriter

Empire Financial/Action One • Covina, CA 03/2014 – 04/2016 Reviewed, analyzed, approved, and underwrote complex consumer loans, ensuring compliance with Fannie Mae, Freddie Mac, FHA, and conventional guidelines. Conducted detailed evaluations of financial statements, credit reports, and applicable ratios, ensuring accuracy and adherence to guidelines. Managed a high volume of loans and provided exceptional customer service, while maintaining strict confidentiality.

● Conducted thorough evaluations of financial statements, credit reports, and ratios to ensure transaction accuracy and completeness.

● Managed heavy phone volume and data entry tasks, processed loans, and scheduled loan documentation while maintaining excellent organizational skills.

●Trained and mentored colleagues, enhancing team skills and promoting process improvements within a frugal managerial environment.

Earlier Career Experience

Consumer Loan Underwriter 4, Wells Fargo Home Mortgage Senior Mortgage Underwriter, Bank of America: Oversaw large residential loans, provided staff training, and ensured adherence to regulatory standards. Consumer Loan Underwriter 3, Wells Fargo Home Mortgage: Reviewed and approved complex loans, performed financial analysis, and maintained high standards of customer service. Underwriter, IndyMac Bank: Handled underwriting, data entry, and customer service, managing high volumes and ensuring accuracy. Consistently received awards for service excellence and exceeded performance goals.

Education

Rio Hondo College • General Education and Business Courses, Whittier, CA Nogales High School • High School Diploma, La Puente, CA Licenses & Training

DE Underwriter • Nationwide Multistate Licensing System (NMLS) # 487321 California Housing & Affordable Mortgage Program

Software

Microsoft Office Word, Excel, Outlook, PowerPoint, Google Sheets, Docs, Slides CORE Origination System, DU/LP (AUS), LIS System Software, Encompass, TOPS, SAP, CEH

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