Arturo Chacon
Orlando,United States
Summary
For the past 16 years, I have worked proudly with Truist (Heritage: SunTrust Bank) as a Personal Banker, a Consumer and Private Wealth Underwriter, and I am currently working as a Home Equity Line of Credit Underwriter II for the Retail and Premier Banking divisions. I worked closely with my management team during the COVID-19 pandemic which coincided with the SunTrust & BB&T merger to become TRUIST. During that challenging time, I consistently offered feedback regarding policy changes as well as software changes that we use in all of our daily job functions as well as making sure that client's lending needs were met in a timely manner and within policy guidelines.
Overview
23
23
years of professional experience
Work History
Home Equity Line of Credit Underwriter II
Truist
Orlando, FL
12.2009 - Current
- Underwriting and analyzing home equity applications for retail, branch, and Premier clients, while also assisting with Private Wealth requests when necessary.
- Collaborate effectively with branch bankers and client advisers to ensure that loan applications are processed correctly and in a timely manner.
- Analyze the client's financial status and credit to determine the feasibility of granting a loan or line of credit and counteroffer when appropriate.
- Analyze brokerage statements to ensure the collateral meets policy and guidelines.
- Evaluate personal & business tax returns to determine income eligibility. Discuss unique client income scenarios with lenders to determine when certain income exceptions can be validated.
- Stay up to date on changes to federal and state regulations in the field.
- Recommend operational procedure changes to management in order to increase the effectiveness of department operations.
- Manage multiple queues throughout the day in order to ensure that applications are completed and forwarded within the time frame (SLA).
- Display strong verbal and communication skills, and the ability to listen, understand, and respond to any situation that arises while following bank policy and procedures.
- Provide coaching to peers, and request feedback about my own performance.
Band Merchandise Rep
Live Nation/House of Blues
Orlando, FL
06.2012 - 07.2017
- Responsible for managing and assisting band merchandisers during concerts.
- Responsible for presenting selling contracts to merchandisers and explaining terms and conditions of selling on Disney property.
- Worked with many popular band merchandisers for, but not limited to, Dropkick Murphys, Cindy Lauper, Demi Lovato, Flogging Molly, Sevendust, etc
- Assist merchandise reps by selling merchandise and handling crowd control when necessary.
- Re-negotiating settlements and pricing during times of high stress and time restraints .
- Responsible for handling and collecting large cash amounts during end of the night settlements.
Brand Co-Manager
Express, American Eagle Outfitters, Eddie Bauer
Orlando, FL
01.2003 - 07.2009
- Assisted store manager in all areas of the business.
- Responsible for floorset mapping and proper scheduling and pre-work in order to have successful overnight execution. 2003-01 - 2009-11 Education
- Assisted in hiring/staffing/training sales associates as well as routine networking. Assisted store manager in developing/training assistant managers for their next step (Co-MGR).
- Achieve store shrink goals and maintain all operational standards to secure the assets of the store's physical location.
- Responsible for making sure that all visual displays and marketing in the store are set up according to standards.
- Responsible for meeting store sales goals through customer service and proper floorset set-up.
Education
High School Diploma -
A.C. Mosley High School
Panama City08-2001
Skills
- NMLS certified #1648047
- Proficient in Microsoft Excel/Word/Outlook
- Proficient in reviewing income documents (ie Tax Returns, W2, etc)
- Proficient in staying up to date with product knowledge and changes to federal and state regulations as they pertain to underwriting
- Excellent verbal and written communication skills
- Demonstrated ability to work quickly under pressure and deadlines
- Willing to learn and adapt to the changing industry and offer feedback and solutions when appropriate
- Building strong relationships Provide coaching to peers & feedback to management
- Demonstrated ability to underwrite all product types (ie HELOC, Secured & Unsecured, Cash Value Life Insurance Secured, Marine, Auto, etc)
- Risk Management
- Willingness to request feedback from peers & management (self-coaching)
Timeline
Band Merchandise Rep
Live Nation/House of Blues
06.2012 - 07.2017
Home Equity Line of Credit Underwriter II
Truist
12.2009 - Current
Brand Co-Manager
Express, American Eagle Outfitters, Eddie Bauer
01.2003 - 07.2009
High School Diploma -
A.C. Mosley High School