Abraham Rosa
5985 Bricklin Street, Westerville,Ohio
Summary
Multitasking Bilingual (Spanish-English) Banking Underwriter, Auditor and Compliance professional, with 26 years in financial services; and 5 years as Certified Interpreter & Translator. Expertise areas in the banking industry includes Mortgage Underwriting, Credit Risk, Cash Management Procedures, Anti-Money Laundering, Auditing, Implementation of Government Regulations and Investor Requirements. Experience includes Residential Mortgages, Assumptions, Quality Control, Home Equity Lines/Loans, Conversion Mortgages, Business loans (Secured and Unsecured) and Credit Cards.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Certified Interpreter and Translator
Access 2 Interpreters
01.2020 - Current
- Provider of accurate and culturally appropriate interpretation services between English and Spanish in real time for legal, medical, educational and social service settings.
- Provided oral interpretations for clients during special events, successfully maintaining pace with native speakers to deliver real-time comprehension.
- Translated medical reports with 100% accuracy and confidentiality.
- Communicated with clients to understand interpreting needs and provide best service possible.
Senior Underwriter
Huntington National Bank
04.2020 - 12.2023
- Anti-Money Laundering analyst, conducting research on emerging money laundering trends and techniques.
- Underwriter of Mortgage Loan applications. Analyzed, reviewed and decision applications for borrowers, aligning them with investor guidelines such as Freddie Mac, Veteran Administration (VA) loans, Fannie Mae, Doctor loans (non-investor) and Portfolio loans (non-investor). Duties included research of credit reports, income statements, balance sheets, tax returns and assets. Loans included primary, second and investment properties.
- Decisions included documents reviewed in Spanish
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Quality Control/ Loan Servicing Analyst
- Credit Risk Underwriter
- Lending authority of $2,000,000 obtained by maintaining excellent audits
Business Underwriter
Aerotek (Contracted at Huntington National Bank)
09.2019 - 03.2020
- Analyzed credit, income, compliance, title documents and appraisals for applicants and businesses. Applications included Mortgages, Home Equity Lines of Credit, Auto loans, Business loans and Credit cards (personal and business).
- Reviewed an average of 8 files per day.
- Made approval and denial recommendations by determining accurate risk levels.
Business and Commercial Underwriter
JP Morgan Chase
01.2015 - 06.2019
- Anti-Money Laundering analyst, by conducting due diligence on high-risk clients to ensure compliance with AML regulations.
- Reviewed and analyzed Unsecured and Secured Lines/Loans for Law Firm partners, Individual businesses, Large Corporations and Charity Organizations, for domestic and Latin America clients, as well as credit card applications for clients inland and abroad.
- Responsible for Cash Management procedure and analysis.
- Account Manager of the Law Firm Report/Book: responsible for the revision, analysis, assignment and update of the Law Firm book on a weekly basis. Responsible for handling over 200 Facilities.
Underwriter
JP Morgan Chase
01.2010 - 12.2014
- Reviewed and processed Mortgage Loans to become current upon loan completion, aligning with investors guidelines such as Freddie Mac, Fannie Mae, FHA, VA, and USDA
- Assisted management as the team leader
- Assisted borrowers in face to face interviews at several events around the country with Chase Home Ownership Centers (CHOC)
- Mortgage loans underwritten included Purchases, Refinances, Home Equity Lines/Loans and Home Equity Conversion Mortgages (HECM).
Home Loan Analyst
Home Loan Analyst (HLA)
01.2001 - 01.2010
- Processor of Jumbo, Conventional, and Non-Conventional loans. Managed a pipeline of over 150 loans.
- Organized and helped manage 9 individuals as the team leader and subject matter expert.
- Consistently recognized as a top performer of the department every month for obtaining high closing volumes and quality.
- Provided timely feedback to sales team regarding application status, resulting in improved communication and customer experience.
Education
MBA - Finance
Interamerican University of Puerto Rico
San Juan06.2000
BBA - Management
Interamerican University of Puerto Rico
San Juan06.1996
BA - Accounting
Interamerican University of Puerto Rico
San Juan06.1995
Skills
- Fluent in Spanish
- Anti-Money Laundering Analyst
- Mortgage analyst
- Training and mentoring
- Credit analysis
- Quality assurance
- Risk evaluations
- Data collection
Certification
Certified Medical Interpreter and Translator
Timeline
Senior Underwriter
Huntington National Bank
04.2020 - 12.2023
Certified Interpreter and Translator
Access 2 Interpreters
01.2020 - Current
Business Underwriter
Aerotek (Contracted at Huntington National Bank)
09.2019 - 03.2020
Business and Commercial Underwriter
JP Morgan Chase
01.2015 - 06.2019
Underwriter
JP Morgan Chase
01.2010 - 12.2014
Home Loan Analyst
Home Loan Analyst (HLA)
01.2001 - 01.2010
MBA - Finance
Interamerican University of Puerto Rico
BBA - Management
Interamerican University of Puerto Rico
BA - Accounting
Interamerican University of Puerto Rico
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