GABRIEL RUIZ
Denver,CO
Summary
Dedicated professional with a proven track record in problem-solving, legal research, and regulatory analysis. Known for organizational skills and reliability, adept at managing competing priorities. Committed to contributing to team success by taking on additional responsibilities.”
Overview
20
20
years of professional experience
Work History
Underwriter | Legal/Regulator Research
Geneva
09.2021 - Current
- Responsible for manually underwriting compex and high-risk loans to ensure legal and regulatory compliance with Federal, State and local laws.
- Improved risk assessment accuracy by conducting thorough reviews of loan applications and financial documents.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
- Collaborated with loan officers to mitigate risk, find solutions and document decision outcomes.
- Streamlined underwriting processes by creating standardized methodologies for evaluating applicant qualifications.
- Developed strong relationships with government regulatory agencies to ensure compliance, and resolve problems.
- Ensured compliance with regulatory requirements through diligent monitoring of industry changes and updating internal policies accordingly.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Underwriter | Legal/Regulatory Research
Mortgage Solutions Financial
09.2020 - 09.2021
- Managed a comprehensive database of legal and regulatory resources, ensuring easy access to vital information for team members.
- Proactively monitored changes in legislation and regulation affecting requirements for loan conditions.
- Served as a valuable resource for colleagues seeking guidance on complex research tasks or unfamiliar areas of law.
- Responsible for underwriting complex Veterans Assistance loan files; thorough review and evaluation of credit applications for approval and fraudulent activity.
- Utilized complex software for documentation, legal and regulatory review and decision outcomes.
- Worked independently meet the daily personal goal to decision loans and collaboratively to resolve problems.
- Enhanced underwriting efficiency with the implementation of an automated system for managing application data.
- Prepared concise and comprehensive memoranda summarizing key research for clients.
VA Mortgage Underwriter
Lenderlive (USAA)
10.2015 - 11.2016
- Responsible for VA Mortgage Underwriting at USAA including moderately complex loan files; thorough review and evaluation of credit applications for approval and fraudulent activity
- Provide feedback to the processors to improve quality of files
- We use AUS systems and adhere to Allregs Underwriting Guidelines
- Worked independently to meet meet personal daily goals regarding loan volume.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Loan Processor (HSS II)
URBAN LENDING/ BANK OF AMERICA
04.2015 - 08.2015
- Investigate and analyzed income, assets, and credit documentation to ensure the loan risk will be minimal and meet all loan guidelines
- As an HSS II loan processor I was responsible for processing of loans approved by an underwriter or an automated decision system within designated signing authority limits
- Assisted clients in understanding complex financial and legal documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
Loan Processor
Pulte Mortgage
06.2014 - 03.2015
- Investigated and analyzed income, assets, and credit documentation to ensure the loan risk will be minimal and meet all loan guidelines.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Monitored pipelines to track and log status of loans.
Loan Processor (HSS II)
Bank of America
02.2004 - 02.2014
- Began as a teller and promoted several times to sales & service, personal banking and loan processing.
- Maintained strict compliance with all banking regulations, ensuring a secure and trustworthy environment for clients.
- Delivered exceptional customer service, addressing concerns promptly and professionally to ensure client satisfaction.
- Educated customers on features and benefits of banking products and services.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
- Investigated customer inquiries and resolved discrepancies in helpful and timely manner.
- Proactively identified potential fraud or suspicious activity, taking appropriate action to protect client accounts and bank assets.
Education
Associate of Arts - Communication
Richland College
Dallas, TX01.2014
Skills
- Legal Expertise: Familiar with legal terminology, compliance, and research related to underwriting guidelines and asset statements
- Decision-Making: Proficient at making quick and accurate decisions, especially in complex situations
- Software Systems: Experienced with complex software including, AUS Systems, DU, and LP for efficient loan processing
- Guideline Adherence: Skilled in comprehending intricate laws and regulations governing lending
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Underwriter | Legal/Regulator Research
Geneva
09.2021 - Current
Underwriter | Legal/Regulatory Research
Mortgage Solutions Financial
09.2020 - 09.2021
VA Mortgage Underwriter
Lenderlive (USAA)
10.2015 - 11.2016
Loan Processor (HSS II)
URBAN LENDING/ BANK OF AMERICA
04.2015 - 08.2015
Loan Processor
Pulte Mortgage
06.2014 - 03.2015
Loan Processor (HSS II)
Bank of America
02.2004 - 02.2014
Associate of Arts - Communication
Richland College
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