Well-organized Mortgage Underwriter who pays attention to details when analyzing risk and potential problems within mortgage applications. Team player collaborates and works well with others to produce quality results. Possessing the skills needed to meet very tight deadlines with exceptional professionalism, patience and a positive outlook while managing multiple tasks.
Hi, I’m
CHRISTIAN RUIZ
Economist
Davie,FL
Summary
Overview
15
years of professional experience
Work History
Seminole Tribe of FloridaHollywood, FL
Mortgage Underwriter
07.2021 - Current
Job overview
- Collaborated with loan originators and processors to accurately complete loan files submitted to underwriting.
- Reviewed and analyzed loan applications for completeness and accuracy.
- Calculated debt-to-income ratios to ensure compliance with Loan policy.
- Verified source of income, credit history and collaterals of the applicants to determine borrower's ability to repay the loan..
- Determined whether or not to approve or deny a loan application in accordance with tribal policy guidelines.
- Provided feedback and guidance to borrowers throughout the approval/denial process.
Seminole Tribe of FloridaHollywood , Florida
Mortgage Loan Closer
02.2015 - 07.2021
Job overview
- Successfully drafted and designed the current mortgage program loan guidelines and sustainable financial criteria.
- Provide financial advice to tribal members on government mortgage and personal loans based on the applicant's financial status, credit and property evaluation.
- Promote strong commitment to effective loan processing by following up with all necessary parties and quickly resolving issues.
- Schedule the closing meetings after gathering and preparing all loan package documentation.
- Verified the accuracy of all information on mortgage documents.
- Manage and service over 200 mortgage loans (over 50 million dollar) portfolio.
- Managed escrow account and coordinated Insurance and tax payments on a promptly manner with account payables.
PACSALima, Peru
International Purchasing Manager
05.2016 - 01.2019
Job overview
- Administered $21 million dollar purchasing budget per year.
- Conducted market research to determine appropriate pricing.
- Managed vendor contract negotiation to foster optimal terms and conditions.
- Assembled and prepared new purchase order contract folder with all related documentation.
- Determined recurring business needs and maintained necessary inventory levels.
- Formulated and implemented annual purchasing plans, taking into consideration production dates, exporting transit times, quarentine requirements and custom clearing times.
- Settled complex new and existing agreements, including requests for information or requests for proposals.
- Implemented robust inspection policies to check the quality of all exported products.
Pearl Designs IncFort Lauderdale, FL
Retail Business Owner
06.2009 - 09.2016
Job overview
- Developed business model from ground up, prepared purchasing criteria, price policy and marketing strategy.
- With a $4,000 start-up investment, the company capitalized over $300,000+ in inventory over 5 years of business with peak annual revenue generation of $215,000 per year.
- Owned and managed daily operations of retail clothing business, including supervising employees and providing onsite training and continuing education to staff.
- Monitored industry trends and attended trade shows in US and abroad to select and purchase clothing and accessories for resale.
- Set pricing structures according to market analytics and emerging trends.
Education
National Association Of Underwriters (NAMU)Hollywood, Fl
Certified Master Mortgage Underwriter (NAMU-CMMU)
07.2019
University Overview
Universidad Del Pacifico Lima, Peru
Bachelor of Arts from Economics
12.2005
University Overview
- Major in Economics.
- Specializations in Government Regulation and International Economy.
- Completed coursework in Statistics, Accounting, Finance, Private and Social project evaluation, Macroeconomics, Microeconomics, Business Administration, Methods of Optimization, Economic Modeling and Econometrics.
- Completed projects evaluating prospective investments based on net present value, future value and investment horizon.
- Thesis: Inversión Pública en un sistema vial sostenible: Caso carretera central.
American Association Of Notaries
Public Notary from Florida Department of State - Division of Corp.
University Overview
Commission detail:
Notary ID: 454856
Expires 10/16/2027
Skills
- Loan underwriting
- Deadline-driven
- Closing expertise
- Credit check knowledge
- Escrow management
- Loan processing management
- Escrow analysis
- Mortgage loan servicing
- Decision making
- Government policy making
- Employee training
- Relationship building
- Retail banking experience
- Microsoft Office applications
- Proficient in Calyx
- Proficient in Microsoft Dynamics CRM
- Excellent writing and verbal communication
Timeline
Mortgage Underwriter
Seminole Tribe of Florida
07.2021 - Current
International Purchasing Manager
PACSA
05.2016 - 01.2019
Mortgage Loan Closer
Seminole Tribe of Florida
02.2015 - 07.2021
Retail Business Owner
Pearl Designs Inc
06.2009 - 09.2016
National Association Of Underwriters (NAMU)
Certified Master Mortgage Underwriter (NAMU-CMMU)
Universidad Del Pacifico
Bachelor of Arts from Economics
American Association Of Notaries
Public Notary from Florida Department of State - Division of Corp.
Additional Information
Additional Information
- ~ Excellent references available upon request
Languages
Languages
Spanish - Full Professional Proficiency
Portuguese - Limited Working Proficiency.
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