Edward Ramirez
San Antonio
Summary
Dynamic Data Analyst with a track record at RH-Indiana Housing and Community Development Authority, specializing in risk assessment and regulatory compliance. Expertise in enhancing quality control processes and facilitating data-driven decisions. Known for strong analytical thinking and effective communication skills, consistently achieving exceptional results in fast-paced environments.
Overview
20
20
years of professional experience
Work History
Data Analyst/QC Analyst
RH-Indiana Housing and Community Development Auth.
San Antonio
06.2024 - 04.2025
- Quality Control for Existing Reviewer Decisions.
- Reviewed files for decisions.
- Income Analyst
- Program guideline adherence.
- Data collection.
- Pipeline management.
- Risk management, loss prevention.
Production Underwriter
Point Digital Finance
San Antonio
01.2022 - 08.2023
- Documented underwriting decisions, and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Analyzed credit, income, compliance, title documents, and appraisals during the underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance.
- Reviewed applications for insurance coverage, and reports from loss control specialists to determine risks.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
- Assessed and advised on loan applications, utilizing an in-depth understanding of the underwriting process.
- Evaluated applications to determine insurance coverage, and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful, and accurate processing of applications.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Monitored underwriting teams' performance, and provided mentoring to achieve personal and department production goals.
- Pipeline management.
Consumer Loan Underwriter-Loss Mitigation
Wells Fargo Home Mortgage
San Antonio
06.2009 - 10.2020
- Reviewed financial statements, credit histories, income reports, and other information to make accurate determinations about loan decisions.
- Approved, declined, or counter-offered loans up to $1,000,000.
- Identified and quickly resolved complex customer and loan problems with the potential to negatively impact operations management and business direction.
- Maintained an in-depth understanding of USDA, FHA, VA, and loan requirements.
- Resolved and identified complex customer loan problems to prevent a negative impact on operations and business direction.
- Proactively identified and solved complex customer and loan problems, impacting operations management and business directions.
- Assisted processors in completing loan applications on time.
- Mitigated regulatory risks by ensuring all closing loans adhered to CFPB compliance and government guidelines.
- Underwrote complex, mediated, and litigated foreclosure loans.
- I worked one-on-one with outsourced attorneys, attending mediation and litigation hearings.
- I represented Wells Fargo Home Mortgage by attending hearings telephonically when needed to support the attending attorney.
- Second-level review of prior underwriting decisions to ensure the accuracy of income calculations.
- Peer review of non-delegated underwriters.
- Ensured compliance with federal and state lending regulations by conducting regular audits on loan files and documentation.
Client Service Representative-Sales Team Lead
Chase Bank
San Antonio
12.2004 - 03.2009
- Enhanced client satisfaction by addressing inquiries and resolving issues promptly.
- Streamlined communication for improved efficiency by creating a centralized system for tracking client requests.
- Delivered outstanding customer service by maintaining a professional demeanor during high-pressure situations.
- Increased customer retention rates through personalized follow-ups and timely resolution of concerns.
- Managed incoming calls, providing prompt and accurate information to clients about products and services.
- Supported the sales team in closing deals with thorough product knowledge and exceptional customer care.
- Call center experience.
- Handled sensitive client information with discretion, ensuring confidentiality at all times.
- Reduced wait times for clients by implementing efficient scheduling practices within the team.
- Identified opportunities for upselling or cross-selling, contributing to increased revenue generation.
- Consistently met or exceeded performance metrics while juggling multiple tasks effectively under tight deadlines.
Education
Heartland College
Bloomington, ILSouthern Illinois University Carbondale
Carbondale, ILIllinois Valley Community College
Oglesby, ILSkills
- Data visualization
- Statistical analysis
- Data collection
- Risk assessment
- Regulatory compliance
- Pipeline management
- Credit analysis
- Quality control
- Effective communication
- Problem solving
- Team collaboration
- Customer service
- Time management
- Attention to detail
- Documentation management
- Analytical thinking
- Report preparation
- Flexible schedule
- Data analysis
- Microsoft Access
- MS Excel
- Problem-solving
- Search engine optimization
- Portfolio Management Risk Assessment
- Knowledge of RESPA, CFPB guidelines
- Salesforce
- Loss Prevention
Affiliations
- Live an active and healthy lifestyle, I have always been a sports minded individual.
Timeline
Data Analyst/QC Analyst
RH-Indiana Housing and Community Development Auth.
06.2024 - 04.2025
Production Underwriter
Point Digital Finance
01.2022 - 08.2023
Consumer Loan Underwriter-Loss Mitigation
Wells Fargo Home Mortgage
06.2009 - 10.2020
Client Service Representative-Sales Team Lead
Chase Bank
12.2004 - 03.2009
Heartland College
Southern Illinois University Carbondale
Illinois Valley Community College
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