Francisco Flores
Howell Township,NJ
Summary
Achievements include reducing risk while improving company profits by applying exceptional skills in decision-making, critical thinking and problem-solving. Builds productive relationships, facilitates communication and prioritizes work for optimum productivity. Effective at analyzing records and making correct decisions. Strong understanding of how to conduct risk assessments, recognize hazards, and apply acceptance criteria. History of effectively training and coaching new underwriting staff on department procedures, company policies, and success-oriented strategies. Focused on improving team cohesion and helping everyone achieve benchmarks.
Overview
40
40
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Knightsbridge Funding LLC
New York, NY
01.2022 - Current
- Reviewed and evaluated loan applications to ensure compliance with established policies, procedures, and regulations.
- Analyzed financial statements of applicants to determine creditworthiness and capacity for repayment.
- Verified accuracy of loan documents including but not limited to income, assets, liabilities, and credit history.
- Determined acceptable loan terms based on borrower's ability to repay the loan.
- Approved or denied loans based on applicant's credit worthiness and overall risk assessment.
- Prepared reports that detail underwriting decisions for management review.
- Monitored industry trends related to changes in regulation impacting underwriting processes.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Approved or denied loan applications and explained reasoning behind decisions.
Junior Underwriter
Overnight Capital LLC
Queens, NY
03.2019 - 01.2022
- Reviewed loan applications and credit documents to assess risk and eligibility for approval.
- Prepared reports summarizing borrower's credit history, assets, liabilities, income, and other relevant data.
- Consulted with senior underwriters regarding complex cases.
- Performed periodic reviews of existing loans to ensure continued compliance with regulations.
- Documented all underwriting decisions in accordance with company guidelines.
- Attended training sessions to stay informed about industry best practices and regulatory requirements.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Followed underwriting guidelines in developing rates for new and renewal groups.
Police Sergeant
NYPD
New York, New York
01.1985 - 12.2006
- Assigned, coordinated and reviewed the work of police officers.
- Ensured that all personnel met department standards for performance and conduct.
- Conducted regular staff meetings to discuss current events and issues.
- Interpreted laws, regulations, policies and procedures to subordinates.
- Evaluated the performance of assigned personnel through observation, review of reports and other methods.
- Performed supervisory duties such as developing goals, evaluating job performance, approving leave requests and maintaining discipline.
- Provided training to officers on applicable state laws, local ordinances and departmental policies and procedures.
- Served as a field supervisor during special events or operations requiring additional staffing levels.
- Responded to emergency calls for service as needed.
- Prepared written reports detailing investigative activities and findings.
Education
Bachelor of Arts - CRIMINAL JUSTICE MANAGEMENT
John Jay College of Criminal Justice of The City University of New York
New York, NY05-1999
Skills
- Collaboration
- Negotiation proficiency
- Trend Analysis
- Risk Management
- Business Development
- Portfolio Management
- Influencing business growth
- Microsoft Office
- Risk Assessments
- Analyzing data
- Guidelines knowledge
- Pricing assessments
- Industry Trends
Certification
- Associate in Risk Management (ARM) - The Institutes.
- Microsoft Office Specialist (MOS) Certification
Timeline
Senior Underwriter
Knightsbridge Funding LLC
01.2022 - Current
Junior Underwriter
Overnight Capital LLC
03.2019 - 01.2022
Police Sergeant
NYPD
01.1985 - 12.2006
- Associate in Risk Management (ARM) - The Institutes.
- Microsoft Office Specialist (MOS) Certification
Bachelor of Arts - CRIMINAL JUSTICE MANAGEMENT
John Jay College of Criminal Justice of The City University of New York
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