Summary
Overview
Work History
Education
Skills
Timeline
Generic

Alberto Saberbein

Niles,IL

Summary

Experienced underwriter with a strong background in risk assessment and financial analysis. Meticulous attention to detail and strong analytical skills leading to outstanding results. Demonstrates the ability align with company goals and regulatory standards while fostering team success.

Overview

20
20
years of professional experience

Work History

Senior Non-QM Underwriter

Ameritrust Mortgage
01.2025 - 04.2025
  • Analyze credit, income, compliance, and title documents during the underwriting process.
  • Evaluate and authorize appraisal reports and insurance documents to maintain loan salability.
  • Communicate and document reasons for approval or decline of loans to sales partners.
  • Manage significant loan review workloads with exceptional precision.
  • Increase customer satisfaction through timely communication and efficient handling of loan applications.

Jumbo / Non-QM Underwriter

Origin Point- a Guaranteed Rate Company
02.2022 - 10.2023
  • Reviewed and authorized non-conforming loans, managing approvals up to $3M.
  • Ensured compliance of confirming loans with FNMA and FHLMC guidelines.
  • Managed significant loan review workloads with exceptional precision.
  • Communicated and documented reasons for approval or declines of loans to sales partners.
  • Evaluated and authorized appraisal reports and insurance documents to maintain loan salability.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
  • Reduced underwriting cycle times, prioritizing urgent applications and employing effective time management strategies.

Jumbo / Non-QM Underwriter

Proper Rate-a Guaranteed Rate Company
01.2021 - 02.2022
  • Reviewed and authorized non-conforming loans, managing approvals up to $2M.
  • Ensured compliance of confirming loans with FNMA and FHLMC guidelines.
  • Managed significant loan review workloads with exceptional precision.
  • Communicated and documented reasons for approval or declines of loans to sales partners.
  • Evaluated and authorized appraisal reports and insurance documents to maintain loan salability.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
  • Reduced underwriting cycle times, prioritizing urgent applications and employing effective time management strategies.

Jumbo/ Non-QM Underwriter

Guaranteed Rate
08.2020 - 01.2021
  • Reviewed and authorized non-conforming loans, managing approvals up to $2M.
  • Ensured compliance of confirming loans with FNMA and FHLMC guidelines.
  • Managed significant loan review workloads with exceptional precision.
  • Communicated and documented reasons for approval or declines of loans to sales partners.
  • Evaluated and authorized appraisal reports and insurance documents to maintain loan salability.
  • Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
  • Reduced underwriting cycle times, prioritizing urgent applications and employing effective time management strategies.

Mortgage Banking Underwriter 4

JPMorgan Chase & Co
01.2012 - 12.2020
  • Authorized to sign off on non-confirming transactions worth $1.5M.
  • Collaborated with Tier 4 loan officers and lending managers on complex loans.
  • Skilled in industry guidelines, ensuring compliance within the underwriting team.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
  • Increased customer satisfaction through timely communication and efficient handling of loan applications.

Loss Mitigation Underwriter/Officer

TCF Bank
01.2010 - 12.2012
  • Directed loan portfolio management worth $465 million.
  • Facilitated financial relief through the processing of hardship loans.
  • Helped reduce bank losses through effective management of high-risk delinquencies.
  • Managed a portfolio of delinquent loans, effectively prioritizing cases to maximize efficiency and impact on recovery efforts.
  • Successfully completed numerous loan modification requests resulting in borrowers'' ability to retain their homes.

Branch Lending Manager

TCF Bank
01.2005 - 12.2010
  • Handled loan portfolio worth $27 million.
  • Successfully originated and underwrote personal, auto, and home loans.
  • Conducted weekly one-on-one meetings with employees to provide performance evaluations, resolve issues, and answer questions.
  • Performed frequent audits on lending processes to confirm compliance with policies and regulations.

Education

Business Administration -

Northeastern Illinois University
Chicago, IL
01.2004

Skills

  • Manual Underwriting
  • Encompass & MeridianLink Mortgage
  • Data Very / Corelogic/Fraud Guard
  • P&L and Balance Sheet Analysis
  • Title, Appraisal and HOI Review
  • Proficient in loan application procedures
  • Effective multi-department communication
  • Goal-focused
  • Driven individual
  • Analytical problem-solving
  • Bi-lingual in Spanish

Timeline

Senior Non-QM Underwriter

Ameritrust Mortgage
01.2025 - 04.2025

Jumbo / Non-QM Underwriter

Origin Point- a Guaranteed Rate Company
02.2022 - 10.2023

Jumbo / Non-QM Underwriter

Proper Rate-a Guaranteed Rate Company
01.2021 - 02.2022

Jumbo/ Non-QM Underwriter

Guaranteed Rate
08.2020 - 01.2021

Mortgage Banking Underwriter 4

JPMorgan Chase & Co
01.2012 - 12.2020

Loss Mitigation Underwriter/Officer

TCF Bank
01.2010 - 12.2012

Branch Lending Manager

TCF Bank
01.2005 - 12.2010

Business Administration -

Northeastern Illinois University

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Alberto Saberbein