GREGORY SARAIVA
Rumford,RI
Summary
20 Years of Underwriting, Consulting, Managing, Processing and Sales experience. Strong communication skills and ability to drive production forward. Highly organized and detail oriented with ability to excel in fast paced environment. Excellent time management skills Proficient in Word, Excel and Outlook. Ability to Critically think and ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
12
12
years of professional experience
Work History
BUSINESS SUPPORT CONSULTANT
Citizens Bank, RI
03.2020 - 11.2023
- Managed daily pipeline, prioritization and load balancing
- Writing Procedures
- Working and managing appeals using underwriting, credit authority and credit policy
- Review and decision credit inquiry disputes
- Managed OOC Queue and assisting to find resolution
- Managed shared mail box for department
- Created reporting and preformed daily reconciliation
- Established and maintained relationships with key stakeholders for growth opportunities and successful partnerships.
- Introduced new methods, practices to reduce turnaround time.
- Applied performance data to evaluate and improve operations.
PERSONAL LOAN UNDERWRITER
Citizens Bank
05.2018 - 03.2020
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Reviewed and decision 30 plus loans daily
- Analyzed credit, all types income, residency documents and bank statements
- In top 2 in production every month
- Achieved 99% or higher each month on Quality control review
- Submitted several ideas to improve workflow and processes
Education Finance Underwriter
Citizens Bank
05.2014 - 05.2018
- Analyzed credit, income, residency documents, statements during underwriting process.
- Determined and documented loan conditions and communicated requirements and decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Built strong relationships with management, departments and co-workers for constructive communications.
- Reviewed and decision 30 plus loans daily
Mortgage Processor/ Underwriter
Citizens Bank
09.2011 - 03.2014
- Created strong working relationships with management, loan officers and support staff.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Developed comprehensive understanding of loan processing regulations.
- Managed pipeline of 75 to 100 loans
Education
High School Diploma -
East Providence High School
East Providence, RI06.1996
Skills
- Project Management
- Organizational Improvements
- Business Analysis
- Solution Implementation
- Staff Training
- Workflow Processes
- Office Operations
- Operational Efficiency
Timeline
BUSINESS SUPPORT CONSULTANT
Citizens Bank, RI
03.2020 - 11.2023
PERSONAL LOAN UNDERWRITER
Citizens Bank
05.2018 - 03.2020
Education Finance Underwriter
Citizens Bank
05.2014 - 05.2018
Mortgage Processor/ Underwriter
Citizens Bank
09.2011 - 03.2014
High School Diploma -
East Providence High School
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