Summary
Overview
Work History
Skills
Coursestaken
Timeline
Generic

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
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
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
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

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Eric Carrasco