Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Hector Robles

Irvine,CA

Summary

Highly skilled and experienced Consumer Loan Underwriter with a proven track record of success in the consumer lending industry. Equipped with extensive knowledge of credit analysis, risk assessment, and underwriting procedures. Demonstrated ability to evaluate borrower profiles, assess creditworthiness, and make informed decisions to mitigate risk while ensuring compliance with regulatory standards. Adept at managing loan processing workflows, optimizing efficiency, and maintaining high-quality loan portfolios. Strong communication and interpersonal skills, with a passion for delivering exceptional customer service. Proven history of implementing process improvements, standard operating procedures, and fraud prevention measures to enhance operational effectiveness and mitigate losses. Dedicated to driving positive outcomes for both the organization and its customers through meticulous attention to detail and sound judgment

Overview

8
8
years of professional experience

Work History

Consumer Loan Underwriter

Credit9
11.2022 - 03.2024
  • Conduct thorough analysis of credit reports, income assessments, and debt-to-income ratios to evaluate customer creditworthiness effectively.
  • Supported loan processing and sales teams, with submission of applications in accordance with lending criteria, helping maintaining a 24-hour SLA for initial underwriting submissions.
  • Develop and implement standard operating procedures (SOPs) along with a one-touch go policy, resulting in a 30% reduction in processing incomplete percentage
  • Conducted training sessions for new underwriters, resulting in a 25% reduction in onboarding time.
  • Introduce a fraud review SOP, integrating Lexis Nexis and GIACT searches, reducing fraudulent loan approvals by 15%.

Loan Processor

Happy Money
04.2022 - 11.2022
  • Process 40-50 loan applications everyday while maintaining a high level of quality.
  • Calculated debt-to-income ratios and compared to established standards.
  • Ensured compliance with federal, state, and local regulations, maintaining a 98% monthly adit pass rate.
  • Approve or Deny applications well following all underwriting guidelines set by the Happy Money.
  • Detected altered or suspicious documents in loan files and work with fraud to verify any potential fraudulent applications.

Consumer Loan Underwriter

LoanMe Official
10.2021 - 04.2022
  • Made decisions regarding loan approval, denial, or counteroffer, improving loan approval rates by 10%.
  • Communicated decisions to loan officers and processing and customers using zenedesk, work chat and phone calls within 24 hours enhancing overall communication efficiency by 15%.
  • Reviewed and verified accuracy of borrower’s income, assets, and liabilities.
  • help help implement a open ended question policy leading to a 25% decrease in processing errors

Sales Manager's Assistant

Loandepot
06.2019 - 10.2021
  • Built and maintained excellent customer relationships through timely response to inquiries and going above and beyond to accommodate unusual requests.
  • Identified and recommended changes to existing processes to improve accuracy, efficiency, and quality service.
  • Managed filing system, entered data and completed other clerical tasks.
  • Worked with Sales manager Daily in review of loan Pipeline. To ensure submission to processing happens within 24-hours.
  • Worked with LO to help with credit bypass, copying loan files and fixing AUS errors.

Loan Processor

LoanDepot
09.2016 - 09.2019


  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Reviewed supporting documentation for completeness and consistency with information indicated on loan application.
  • Validated information to ensure qualifications are consistent with underwriting guidelines.
  • Calculated debt to income for all applications.

Education

Mortgage Loan Originator | NMLS: 2055325

Mortgage Educators
Online
09.2020

High School Diploma -

Savanna High School
Anaheim, CA
07.2009

Skills

  • Underwriting guidelines
  • Credit Scoring Models
  • Credit analysis
  • Loan Documentation
  • Debt-to-Income Ratios
  • Loan structuring
  • Investor Guidelines
  • Customer Service
  • Credit Reports

Languages

Spanish
Professional Working

Timeline

Consumer Loan Underwriter

Credit9
11.2022 - 03.2024

Loan Processor

Happy Money
04.2022 - 11.2022

Consumer Loan Underwriter

LoanMe Official
10.2021 - 04.2022

Sales Manager's Assistant

Loandepot
06.2019 - 10.2021

Loan Processor

LoanDepot
09.2016 - 09.2019

Mortgage Loan Originator | NMLS: 2055325

Mortgage Educators

High School Diploma -

Savanna High School
Hector Robles