Concepcion Castillo
San Antonio,TX
Summary
Dedicated and detail-oriented professional with extensive experience in financial analysis, underwriting, and compliance seeking an underwriting role where my skills in evaluating financial data, ensuring accuracy, and implementing fraud detection techniques will contribute to company goals and industry excellence.
Overview
19
19
years of professional experience
Work History
Home Preservation Underwriter
Wells Fargo
10.2005 - 05.2024
- Reviewed, analyzed and evaluated income documentation for W-2 wage earners and self-employed customers ensuring compliance with company and industry guidelines
- Conducted evaluations of financial statements, credit reports, and applicable ratios such as debt-to-income and loan-to-value, ensuring accuracy and completeness
- Prepared formal reports for review, maintained consistency in documentation, and implemented fraud detection techniques to uphold compliance standards
- Communicated with home preservations specialist to gather critical information for decision-making as needed
- Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, and other supporting documentation to recommend or approve requests within delegation of authority levels
Education
Bachelor in Business - Accounting
University of The Incarnate Word
San Antonio, Texas12.1984
Skills
- Analytical and skilled with strong attention to detail
- Expertise in financial analysis and compliance reviews
- Familiar with Federal Housing Administration (FHA) guidelines
- Special projects evaluating Fannie Mae, USDA, and Freddie Mac products
- Proficient in Wells Fargo MSP, Limited Denials of Participation (LDP), Mortgage Assistance Applications, and FHA Neighborhood Watch System
- Skilled in Microsoft Office Suites and Microsoft Teams
- Strong communication abilities
Timeline
Home Preservation Underwriter
Wells Fargo
10.2005 - 05.2024
Bachelor in Business - Accounting
University of The Incarnate Word
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