Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
Ana B. Sanz

Ana B. Sanz

Miami,FL

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. And, detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Seeking a full time-remote position as an Underwriter where I could utilize my expertise and grow with a firm that can use my skills.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Licensed Mortgage Broker

Mortgage R'US, Corp.
03.2018 - Current
  • Explained different types of loans pertaining to client situations.
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
  • Fielded customer complaints and provided solutions.
  • Implemented sales strategies that established relationships with realtors and CPAs.
  • Minimized losses by accomplishing 100% sales recovery.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Worked Conventional, FHA and Non-QM loans including, but not limited to Bank Statement program and DSCR Program

Real Estate Broker

Straight 2 The Point Realty, Corp.
02.2018 - Current
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Compared properties possessing similar features to determine competitive market prices.
  • Liaised between property owners and prospective buyers to facilitate purchase and transfer of ownership.
  • Advised clients on mortgage and housing conditions to identify successful properties and promote customer satisfaction.
  • Obtained agreements from property owners to place properties for sale with real estate firms.
  • Arranged for inspections and surveys of sold properties.
  • Assisted clients in financial planning for purchase.
  • Sold high volume of properties in short timeframes to exceed quotas and maximize business revenue.
  • Generated lists of properties for sale, locations, descriptions and available financing options.
  • Managed 13 agents and assisted over 500 potential property buyers to achieve residential goals.
  • Conducted research and contributed to property, tenant and market analysis to identify as thought leader and increase production.
  • Increased project productivity by collaborating with builders, investors and developers.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Carried out day-day-day duties accurately and efficiently.

Mortgage Loan Underwriter

Mortgage R'US, Corp.
03.2018 - 05.2023
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, corporate financial statements, and other financial information as current financial status to determine feasibility of granting loans.
  • Verified integrity of applicants' information and performed risk assessments to minimize possible risks.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Provided comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, USDA, FREDIE MAC and FNMA.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Checked personal and team calculations as LTV's, CLTV and DTI Ratios to validate information and underwriting decisions.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Monitored pipelines to track and log status of loans.
  • Compiled closing packages for drafting and presentation accuracy.
  • Approve loans within specified limits, and refer loan applications outside those limits as needed.
  • Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

Mortgage Loan Officer

Ready Mortgage Lenders
02.2020 - 05.2020
  • Worked with underwriters to fix application problems and resolve issues.
  • Reviewed loan files and updated to match current standards.
  • Explained different types of loans pertaining to client situations.
  • Fielded customer complaints and provided solutions.
  • Originated and worked different type of loans, residential and commercial loans.
  • Used Encompass and Calyx software during the loan origination process.
  • Ran AUS according to the loan product.
  • Worked Conventional, FHA and Non-QM loans.
  • Collected borrower's documentation needed for the loan processor.

Loan Officer

PRMG (Paramount Residential Mortgage Group)
06.2018 - 02.2020
  • Submitted loan applications to underwriter for verification and recommendations.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained strict confidentiality of bank records and client information.

Loan Officer

American Bankshares Mortgage LLC
01.2018 - 06.2018
  • Submitted loan applications to underwriter for verification and recommendations.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained strict confidentiality of bank records and client information.
  • Ran AUS for approvals
  • Collected loan needed documents from the borrowers.

Real Estate Agent and Later Real Estate Broker Ass

One Stop Realty
11.2016 - 02.2018
  • Managed contracts, negotiations and all aspects of sales to finalize purchases and exceed customer expectations.
  • Communicated with clients to understand property needs and preferences.
  • Maintained connections with clients to encourage repeat business and referrals.
  • Negotiated, facilitated and managed real estate transactions.

Senior Mortgage Loan Underwriter

Aspuru Investment Group, Inc.
11.1997 - 09.2017
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Verified integrity of applicants' information to minimize fraud.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.

Real Estate Broker

Step One Realty, Corp.
09.2002 - 03.2007
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Compared properties possessing similar features to determine competitive market prices.
  • Liaised between property owners and prospective buyers to facilitate purchase and transfer of ownership.
  • Advised clients on mortgage and housing conditions to identify successful properties and promote customer satisfaction.

Principal Mortgage Broker

Lending Finance Of America, Corp.
01.2000 - 03.2007
  • Collaborated with and facilitated communications between borrowers and lenders to obtain ideal loans for home purchases.
  • Assessed clients' financial data to determine loan suitability.
  • Collaborated with different lenders to find best possible deal for homebuyers.
  • Explained entire mortgage loan process to borrower.

Education

Certificate - Certified Commercial Underwriter

National Association of Mortgage Underwriters
Hollywood, FL
05.2023

Certification - Certified FHA Manual Underwriter

National Association of Mortgage Underwriters
Hollywood, FL
04.2023

Certification - Certified Mortgage Master Underwiriter (NAMU-CMMU)

National Association of Mortgage Underwriting
Hollywood, FL
04.2023

Real Estate Sales Associate And Real Estate Broker - Real Estate Sales Associate And Real Estate Broker

Gold Coast Schools
Miami, FL
09.2002

Mortgage Broker/Loan Officer - Mortgage Broker

Gold Coast Schools
Miami
01.2000

Major in Finance And A Degree in Business Analytic - Finance And Business Analytics

Iowa State University
Ames, IA
05.1997

Skills

  • Risk assessment skills, that I personally believe is one of the most important skills for underwriters to develop These skill helps me perform comprehensive analyses and advise lenders on potential risks successfully It is also of great importance when performing duties accurately and effectively as it helps mortgage lenders protect their assets and lend only to qualified home buyers
  • Attention to detail, which is another important skill from my point of view for any mortgage underwriter, as we often have to review documents like loan applications, financial statements and other supporting documents within the loans Attention to detail can also help us, underwriters prepare reports to discuss their findings, ensure compliance with applicable regulations and document my reasons for loan approvals or denials
  • Communication skills, both verbal and written, are also valuable for this field As communication skills are highly needed to prepare clear reports and discuss risk assessment results with lenders and clients Keeping clear records and working with other mortgage professionals are two key duties of most professionals in my underwriter role Communication skills can aid me in executing these responsibilities successfully
  • Strong organization skills can help us underwriters, manage multiple loan requests and reports It also helps me with task prioritization and with time management Being highly organized can ensure me performing the tasks correctly and help lenders make important decisions regarding mortgage applications
  • Computer Skills in advanced platforms to prepare the reports, review important documents and input information Knowledgeable using specific software as Calyx, Encompass, as well as word processing programs and spreadsheet applications that help me much within my roles
  • Providing exceptional customer service to both internal staff and external customer by explaining credit decision and offering alternative options when needed
  • Knowledgeable on the different lending programs and guidelines as for FHA, VA, Conventional, USDA, DSCR, ARMS, Bank Statements programs, HELOC and any other NonQM loans
  • Knowledgeable as well on reviewing all loan documents, including credit, income, assets, collateral, title, and on using fraud tools; to determine the borrower’s ability to repay the debt, in accordance with the AUS, FNMA, FHLMC, and Investor Guidelines using analytical skills with DU & LP Always maintaining a clear understanding of self-employed business structures and how to independently calculate self-employed income, calculating rental income as well as reviewing and validating the credit, income, assets, collateral, and title
  • Deep knowledge on laws and Regulations, as Fair Housing Act, ECOA, CFPB within the so many regulating the Lending Industry

Certification

  • Certified Master Mortgage Underwriter (CMMU)
  • Certified FHA Manual Underwriter (CFMU)
  • Certified in Commercial Underwriting and Processing(CCUP)

Languages

Spanish
Native or Bilingual
French
Elementary
Russian
Elementary

Timeline

Mortgage Loan Officer

Ready Mortgage Lenders
02.2020 - 05.2020

Loan Officer

PRMG (Paramount Residential Mortgage Group)
06.2018 - 02.2020

Licensed Mortgage Broker

Mortgage R'US, Corp.
03.2018 - Current

Mortgage Loan Underwriter

Mortgage R'US, Corp.
03.2018 - 05.2023

Real Estate Broker

Straight 2 The Point Realty, Corp.
02.2018 - Current

Loan Officer

American Bankshares Mortgage LLC
01.2018 - 06.2018

Real Estate Agent and Later Real Estate Broker Ass

One Stop Realty
11.2016 - 02.2018

Real Estate Broker

Step One Realty, Corp.
09.2002 - 03.2007

Principal Mortgage Broker

Lending Finance Of America, Corp.
01.2000 - 03.2007

Senior Mortgage Loan Underwriter

Aspuru Investment Group, Inc.
11.1997 - 09.2017

Certificate - Certified Commercial Underwriter

National Association of Mortgage Underwriters

Certification - Certified FHA Manual Underwriter

National Association of Mortgage Underwriters

Certification - Certified Mortgage Master Underwiriter (NAMU-CMMU)

National Association of Mortgage Underwriting

Real Estate Sales Associate And Real Estate Broker - Real Estate Sales Associate And Real Estate Broker

Gold Coast Schools

Mortgage Broker/Loan Officer - Mortgage Broker

Gold Coast Schools

Major in Finance And A Degree in Business Analytic - Finance And Business Analytics

Iowa State University

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Ana B. Sanz