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Skills
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Summary
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Overview
Education
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Manuel Ficher

3440 W. Via Del Sol Dr. Phoenix,AZ

Work History

Medical Courier (1099 Employee)

Red Letter Delivery
Chandler, Arizona
06.2024 - Current
  • Delivered medical supplies to healthcare facilities efficiently and on schedule.
  • Used cell phones or tablets to upload time, delivery and shipment information into company website or database.
  • Ensured proper handling of sensitive medical materials during transport to maintain safety standards.
  • Maintained accurate records of deliveries and pickups for regulatory compliance.
  • Provided exceptional customer service while interacting with medical personnel to strengthen relationships.

Loan Documentation Specialist V - Underwriter

US Bank
Tempe, AZ
05.2024 - Current
  • Conducted comprehensive risk assessments on loan applications to ensure regulatory compliance.
  • Analyzed financial statements and credit reports to evaluate borrower risk accurately.
  • Enhanced underwriting accuracy through implementation of detailed review processes and compliance audits.
  • Trained junior underwriters on best practices and compliance standards to improve team performance.
  • Calculated debt-to-income ratios and other metrics to meet regulatory guidelines.
  • Reviewed property appraisals to validate values and ensure precision in assessments.
  • Communicated effectively with borrowers and loan officers to facilitate informed lending decisions.
  • Improved loan approval rates by conducting thorough compliance checks, reducing risk exposure.

Senior Mortgage Underwriter

Truwest Credit Union
Tempe, AZ
10.2020 - 03.2023
  • Evaluated mortgage loan applications and supporting documentation for compliance with lending policies and regulations.
  • Analyzed borrower's financial, credit reports, and property appraisals to determine loan risk and eligibility.
  • Making loan approval or denial decisions based on underwriting guidelines and risk assessments.
  • Reduced loan processing time by 30% within 6 months by optimizing workflow procedures, enhancing overall operational efficiency.
  • Increased loan approval rates by 25% within 6 months by enhancing compliance audits, ensuring adherence to regulatory standards and minimizing risk.

Mortgage Underwriter

Wells Fargo
Tempe, AZ
01.2013 - 01.2020
  • Possessed in-depth knowledge of various mortgage products, including FHA, VA, conventional, HELOC, and Jumbo loans.
  • Utilized automated underwriting systems (AUS) to assist in the underwriting process.
  • Streamlined underwriting processes, resulting in a 30% reduction in processing time within 6 months, improving overall loan decision accuracy.
  • Achieved a 25% increase in loan approval rates within 6 months by conducting detailed compliance audits, effectively minimizing risk exposure.
  • Improved loan processing accuracy by 45% within 6 months by implementing comprehensive reviews of underwriting guidelines, resulting in more reliable lending decisions.

Skills

  • Credit risk evaluation
  • Financial analysis
  • Loan underwriting processes
  • Compliance expertise
  • Risk mitigation strategies

Languages

Portuguese
Native/ Bilingual

Summary

Loan documentation specialist with expertise in financial analysis and risk assessment. Achieved 30% increase in underwriting accuracy and compliance at US Bank through detailed audits and effective collaboration. Proficient in facilitating informed lending decisions, enhancing operational efficiency, and reducing risk exposure.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Overview

13
13
years of professional experience

Education

High School Diploma - General Studies

Tracy High School
Cerritos, CA

Accomplishments

Top Performer Award 2022. Underwriting and closing 650 loans.

Work Preference

Job Search Status

Open to work

Work Type

Full Time

Location Preference

RemoteHybridOn-Site

Salary Range

$70000/yr - $200000/yr

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Manuel Ficher