Ismael Guzman
Grand Prairie
Summary
Dynamic Credit Analyst with a proven track record at Stellantis Financial Services, excelling in risk management and customer relationship management. Expert in credit analysis and loan underwriting, I consistently exceeded loan quotas while fostering strong partnerships with dealerships. My proactive approach and problem-solving skills drive successful funding strategies and enhance operational efficiency.
Overview
12
12
years of professional experience
Work History
Credit Analyst
Stellantis Financial Services
10.2022 - Current
- Recurring tasks consisted of meeting issued loan quotas on a monthly basis. Analyzed the customer's credit application received from the auto dealerships and reviewed it based on their creditworthiness and collateral.
- I analyzed the customer's credit application received from the auto dealerships, which was approved or denied based on their creditworthiness, collateral, or income.
- Built relationships with dealerships and ASMs/DRMs to increase the volume of loans.
- Worked on subprime, prime, and lease applications.
- Collaborated with other departments within the organization to ensure efficient processing of loan applications.
Mortgage Underwritter
HomePointe
10.2020 - 07.2022
- Followed DU/LP (FNMA/FHLMC) guidelines and risk assessment tools used to assist with decision-making on mortgage loans.
- Worked regularly with the sales team, processors, closers, and management, and developed and maintained a sound knowledge of multiple loan product guidelines offered by the company.
- Review title, appraisals, insurance, credit reports, and related documents.
- Analyze income documentation from all income sources, which consist of all types of self-employment, profit and loss statements, depreciation, and W-2.
- Accept or decline the borrower’s mortgage applications.
- Collaborated with cross-functional teams on special projects involving underwriting initiatives.
- Identified potential issues related to title, appraisals, insurance coverage.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
Underwriter
Chrysler Capital
Dallas
10.2013 - 12.2019
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Reviewed loan applications for accuracy and completeness before submitting them for approval.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Analyzed customer payment histories to assess credit risk profiles.
- Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
- Completed day-to-day duties accurately and efficiently.
- Exceeded customer satisfaction by finding creative solutions to problems.
Education
Basics
Mountain View College
Dallas, TX2012
High School diploma -
Moises E Molina High School
Dallas, TX2008
Skills
- Corporate financial analysis
- Application assessment
- Funding strategy development
- Risk management
- Loan file evaluation
- Customer relationship management
- LexisNexis expertise
- Problem solving
- Loan file administration
- Economic evaluation
- Dependability
- Microsoft Excel proficiency
- Credit analysis
- Risk assessment
- Loan underwriting
- Cash flow analysis
Languages
English
Full Professional
Spanish
Full Professional
Timeline
Credit Analyst
Stellantis Financial Services
10.2022 - Current
Mortgage Underwritter
HomePointe
10.2020 - 07.2022
Underwriter
Chrysler Capital
10.2013 - 12.2019
Basics
Mountain View College
High School diploma -
Moises E Molina High School
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