Eric Carrasco
Tustin,CA
Summary
Wholesale/Retail Underwriter with 10 years experience servicing Brokers, Account Executives and loan officers.
Overview
12
12
years of professional experience
Work History
Underwriter ll
Sovereign Lending Group
Costa Mesa, CA
09.2018 - 04.2023
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
Underwriter ll
Stearns Lending LLC
Yorba Linda, CA
08.2015 - 01.2018
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Streamlined the loan decision-making process by effectively managing workload and consistently meeting deadlines.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwritings.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
Junior Underwriter Team Lead
Pacific Union Financial Mortgage Corp
Santa Ana, CA
09.2011 - 08.2015
- Ensured accuracy of borrower documentation through rigorous attention to detail during the verification process.
- Enhanced underwriting efficiency by organizing and prioritizing daily tasks and responsibilities.
- Managed a high volume of loan applications, maintaining accuracy and timeliness in the underwriting process, leading to increased customer satisfaction.
- Assisted senior underwriters in evaluating loan applications, resulting in improved risk assessment accuracy.
- Streamlined the loan decision-making process by effectively managing workload and consistently meeting deadlines.
Skills
- Underwriting guidelines
- Analyzing data
- Documentation Review
- Risk Assessment
- Credit analysis
- Quality Assurance
- Relationship Building
- Data Collection
- Client Relationship Building
Coursestaken
W2 Income Calculations, Self Employment Income Calculations and Tax returns
Timeline
Underwriter ll
Sovereign Lending Group
09.2018 - 04.2023
Underwriter ll
Stearns Lending LLC
08.2015 - 01.2018
Junior Underwriter Team Lead
Pacific Union Financial Mortgage Corp
09.2011 - 08.2015