David Aguilera

The opportunity came and I grabbed it. I decided to spend more time with my family and aging parents. For the last few months I've felt the pull of the mortgage industry and have decided to join the fun once again.

• Fostered long-term relationships with Brokers to earn repeat business and encourage referrals.
• Educated Brokers & Processors on Non-QM products & CEL systems.
• Maintained a pull through ratio of 79% with $1.4 million monthly volume.

• Analyzed and evaluated loan risk to insure asset will remain whole and sellable.
• Documented underwriting decisions and worked collaboratively with team members to drive loans to closing.
• Provided excellent customer service by addressing inquiries promptly and offering explanations of underwriting decisions.

• Evaluated loan applications for affordability and conforms to underwriting guidelines.
• Analyzed & cleared all conditions and created new or revised conditions.
• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Effectively communicated with lenders to discuss loan file issues by picking up the phone.

• Pre-underwrote income for W2, business tax returns and cash-flow analyses for Underwriter.
• Evaluated income, credit and appraisal to ensuring compliance with portfolio guidelines.
• Gathered and cleared conditions as well as authored new or revised conditions.

• Researched and conducted meetings with management of title companies, credit unions, and brokers to provide mobile closing services.
• Obtained MN Department of Commerce Closer Certificate, NNA certified.

• Underwrote Conventional, High Balance, Super Jumbos and Bond loans.
• Documented underwriting decisions and analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
• Key accomplishments: Achieved Mortgage Excellence with Quality Control of .10%, UW Audit score of 4.0%, with allowed error rates of 1.60% and 10%.

• Performed loan audits to ensure loan meets company and investors guidelines.
• Documented findings and worked with initial underwriter to ensure loan meets investor quality.

• Analyzed complete loan file to meet risk tolerance for High Balance and Jumbo loans.
• Signing authority up to $1.5M and higher with 2nd signature.

• Approved exceptions for credit scores, LTV's, reserves, acreages, asset dissipation and short job time for W2 and self-employed based on compensating factors in loan file for Portfolio guidelines.
• Analyzed income, credit, assets and appraisals to conform to investor's risk tolerance on Agency, Non-Conforming and Portfolio programs.
• Maintained daily workload & turn-times while balancing excellent loan quality.
• Underwrote loans up to $2M and higher with 2nd signature

• Family emergency required my attention.

• Directed 10 underwriters
• Evaluated escalated files and worked with underwriter and Loan Officer to create a win-win while maintaining measured risk exposure for company.
• Key accomplishments: Facilitated weekly sales manager calls for improved communication and feedback resulting in decreased underwriter phone time and improved productivity

• Supervised 5 direct reports 55 employees.
• Territory included Minnesota, North/South Dakota, Missouri.
• Collaborated with managers to implement "Best Practices" resulting in top 5 in company out of 37 branch for average days to process.
• Inspired all team members to be customer focused resulting in #1 ranking in midwest region.