Chris Martinez
Fort Worth,TX
Summary
Seasoned mortgage professional with extensive experience in DSCR underwriting and team leadership. Recognized for streamlining processes to enhance efficiency and quality. Proven ability to lead teams to meet and exceed productivity goals. Skilled in risk assessment, quality control, and client relations.
Overview
9
9
years of professional experience
Work History
Underwriting Manager
Constructive Loans
Oakbrook Terrace, Illinois
12.2023 - 08.2026
- Lead and manage a team of underwriters specializing in DSCR mortgage products.
- Review complex loan files and issue final underwriting decisions in accordance with investor and company guidelines.
- Analyze credit, appraisal, title, income, asset, and property documentation for investment properties.
- Train, mentor, and develop underwriting staff to improve accuracy and consistency.
- Reduced underwriting turn times by improving workflow processes while maintaining exceptional quality standards.
- Monitored underwriting quality and compliance with productivity and service-level agreements.
- Conducted quality assurance reviews, implementing corrective action plans to enhance underwriting accuracy.
- Partnered with sales, operations, and secondary marketing to resolve loan scenarios and clarify guideline questions.
- Support new investor guideline implementation and policy updates.
- Assisted in the development of training materials for new hire underwriters.
Underwriting Team Lead
Constructive Loans
Oakbrook Terrace, Illinois
02.2023 - 12.2023
- Managed small loan portfolio of DSCR products while emphasizing mentorship and training.
- Provided leadership and guidance, ensuring timely completion of high-quality tasks.
- Delegated daily tasks to optimize team productivity and efficiency.
- Assisted manager in setting achievable goals and monitoring team progress.
- Developed strategic initiatives focused on enhancing customer satisfaction.
- Supported manager in planning future project objectives and initiatives.
- Mentored junior staff on best practices in customer service and product knowledge.
- Completed daily quality assurance duties, delivering feedback for continuous improvement.
Underwriter
Constructive Loans
Oakbrook Terrace, Illinois
03.2022 - 02.2023
- Underwrote high-volume DSCR loan files, ensuring adherence to risk guidelines.
- Approved loans within delegated authority while maintaining low defect rates.
- Evaluated borrower creditworthiness using cash flow, rental income, reserves, and collateral analysis.
- Verified documentation accuracy, including income statements, tax returns, and bank statements, to support sound underwriting decisions.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Collaborated with account executives to structure compliant loans that aligned with investor requirements.
- Communicated with clients regarding underwriting decisions and requirements.
Pre-funding QC Specialist
Constructive Loans
Oakbrook Terrace, Illinois
10.2020 - 03.2022
- Conducted comprehensive pre-funding quality control reviews on mortgage loan files pre-closing to ensure compliance and accuracy.
- Verified accuracy and completeness of borrower documentation, including income, assets, credit, collateral, and disclosures, to support informed lending decisions.
- Ensure loans comply with agency, investor, and internal underwriting guidelines.
- Identified documentation deficiencies and communicated findings to processors, underwriters, and closers to facilitate timely resolution and maintain workflow.
- Review loan data for consistency between the loan application, underwriting approval, and closing documents.
- Maintain detailed audit records and quality control reports.
- Meet daily production goals while maintaining high quality standards.
Sr. Associate, Valuation Appraiser Support
CoreLogic
Irving, Texas
09.2019 - 10.2020
- Provide daily administrative and operational support to Appraisers, ensuring efficient completion of work functions and maintaining smooth day-to-day operations.
- Manage MLS subscription payments and renewals, ensuring timely processing and uninterrupted access to critical industry resources.
- Develop and maintain job aids, process documentation, and procedural guides for current and outdated workflows to improve consistency, efficiency, and knowledge retention.
- Coordinate and facilitate weekly and bi-weekly virtual meetings via Zoom, including collecting discussion topics, developing agendas, and ensuring effective communication across teams.
- Manage employee off-boarding activities for voluntary and involuntary terminations, including system access deactivation, equipment-return instructions, and tracking company assets through final return.
- Monitor and reconcile Appraiser supply orders and prepare comprehensive monthly reports for management review, supporting accurate expense and supply tracking.
- Cross-trained to provide technical and operational support for Appraisers using newly released mobile surveying and workflow management software.
Project Manager
CoreLogic
Irving, Texas
06.2017 - 07.2019
- Ensure compliance with requirements established under Deutsche Bank’s Settlement with the U.S. Department of Justice, supporting regulatory and consumer-relief obligations.
- Conduct detailed audits of mortgage files against Department of Justice-established criteria to validate eligibility for relief credit and support consumer-relief initiatives.
- Collaborate daily with bank representatives and to develop and refine processes, procedures, audit criteria, and databases used to manage borrower information and regulatory requirements.
- Participate in (UAT) of client-facing database platforms, identifying system issues and validating functionality to ensure solutions meet client requirements and operational expectations.
- Review and analyze mortgage documentation and image files to verify completeness, accuracy, and the presence of required information and supporting documentation.
- Generate and analyze daily production and quality-control reports to monitor performance, identify variances, and ensure production and QC objectives are consistently achieved.
- Participate in daily sales and production meetings, providing updates on project status, production metrics, quality results, and operational issues.
- Train and mentor new audit personnel on regulatory requirements, established procedures, audit methodologies, and quality standards to ensure consistent and accurate work.
- Identify control gaps and process inefficiencies through detailed research and assessment of procedures, workflows, and systems; recommend improvements to strengthen controls and operational effectiveness.
Education
High School Diploma -
R.L. Turner High School
Carrollton07-1998
Skills
- Underwriting guidelines
- Credit evaluation
- Policy Underwriting
- Risk assessment
- Quality assurance
- Decision-making
- Project management
- Team leadership
- Team collaboration
- Task management
- Client relations
- Customer relationship management
- Effective communication
- Problem solving
Timeline
Underwriting Manager
Constructive Loans
12.2023 - 08.2026
Underwriting Team Lead
Constructive Loans
02.2023 - 12.2023
Underwriter
Constructive Loans
03.2022 - 02.2023
Pre-funding QC Specialist
Constructive Loans
10.2020 - 03.2022
Sr. Associate, Valuation Appraiser Support
CoreLogic
09.2019 - 10.2020
Project Manager
CoreLogic
06.2017 - 07.2019
High School Diploma -
R.L. Turner High School