CHAD I. DE LOS SANTOS
Chula Vista,CA
Summary
Top-notch Credit Analyst touting 15 years of expertise in financial services. Gifted in evaluating risk and loss potential and a smart team player knowledgeable in all forms of financial data. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet company goals. Pursuing a similar position where a well-qualified individual with an understanding of underwriting is highly sought.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Credit Analyst
National Funding
10.2016 - 06.2024
- Analyzed customer data such as credit reports, financial statements and tax returns to determine level of risk involved for granting working capital business loans.
- Maximized revenue generation by detecting fraudulent activity and implementing preventative measures accordingly.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
Mortgage Assistance Specialist / Team Lead
Union Bank
11.2014 - 10.2016
- Managed a portfolio of delinquent loans, ensuring proactive follow-up and successful resolution of accounts.
- Assist consumers in all stages of loss mitigation or foreclosure of residential loans by offering due date changes, deferrals, repayment plans and loan modifications.
- Assisted in developing training materials and resources for new Mortgage Collections Specialist hires, supporting their onboarding process.
Accounts Receivable Specialist
Ashford University
10.2011 - 11.2014
- Effectively and efficiently handled account balance inquiries, resolved account problems, billing disputes, misapplied payments and other issues as needed to provide quality customer service.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Negotiated favorable payment terms with students experiencing financial difficulties, preserving valuable business relationships while safeguarding company interests.
Loan Specialist
HSBC Finance
03.2002 - 07.2011
- Educated potential borrowers on available financing options that best fit their individual needs.
- Reviewed credit reports, equity in the vehicle and performed underwriting of customer income versus debt to render decisions on loan requests.
- Ensured proper documentation was collected from borrowers to maintain compliance with regulatory requirements during the application process.
Foreclosure Specialist II
JP Morgan Chase & Co.
01.2001 - 02.2002
- Provided guidance on loan modification options available for borrowers facing financial hardship.
- Prepared all notices of default as per terms of deed of trust on mortgage.
- Maintained detailed records of all correspondence, documentation, and actions taken during the course of each foreclosure case.
Insurance Agent
GEICO
02.1998 - 12.2000
- Established credibility and trust by educating clients on insurance products, policy options, costs, and benefits.
- Collaborated with underwriters to ensure accurate risk assessment and appropriate coverage for clients unique situations.
- Contributed to agency success by consistently meeting or exceeding monthly sales targets.
Education
Associate of Arts - Liberal Arts And Sciences
San Diego State University
San Diego, CA.01.1999
Skills
- Loan Underwriting Expertise
- Credit risk
- Financial statement analysis
- Cash Flow analysis
- Information Verification
- Verbal and written communication
- Proficient in Salesforce
- Teamwork and Collaboration
- Problem-solving abilities
- Time Management
- Multitasking Abilities
- Collections Management
Certification
- Property & Casualty License (1998 - 2000)
Administrative Skills
- Proficient in all areas of Microsoft Office: Word, Excel, PowerPoint, Publisher, Outlook, OneNote and Access
- Expert in CRM Systems: Salesforce, Oracle, Campus Vue, Debt Manager, MSP Lending Portal
Timeline
Senior Credit Analyst
National Funding
10.2016 - 06.2024
Mortgage Assistance Specialist / Team Lead
Union Bank
11.2014 - 10.2016
Accounts Receivable Specialist
Ashford University
10.2011 - 11.2014
Loan Specialist
HSBC Finance
03.2002 - 07.2011
Foreclosure Specialist II
JP Morgan Chase & Co.
01.2001 - 02.2002
Insurance Agent
GEICO
02.1998 - 12.2000
Associate of Arts - Liberal Arts And Sciences
San Diego State University