James Castro
Bellevue,Nebraska
Summary
Dynamic underwriting specialist with a focus on regional management and comprehensive understanding of USDA and bond programs. Actively working towards SAR and DE certifications to expand professional capabilities. Previous experience as a Regional Underwriting Manager equips with the skills necessary to lead and mentor teams. Eager to contribute to Supreme Lending's success through knowledge sharing and strategic leadership.
Overview
22
22
years of professional experience
Work History
Senior Underwriter
Supreme Lending
Dallas, TX
01.2020 - Current
- Underwrite FHA, USDA and conventional loans, to include Texas Bond loans.
- VA SAR obtained.
Regional Underwriting Manager
Gateway Mortgage Group
Irving, TX
01.2017 - 01.2020
- Managed a team of 15 underwriters while establishing a funding record for the company by the end of July of $1 billion.
- Assign and maintain the Underwriting workflow for the Western Region of the Underwriting Department ensuring a 24 hour turn time for new submissions.
- Answer questions and escalations from sales staff, processing managers and the mortgage director, ensuring the investor guidelines are followed.
- Train new hires remotely and ensuring they understand the AUS system and Gateway’s underwriting requirements.
Underwriter
Gateway Mortgage Group
Irving, TX
01.2015 - 01.2017
- Underwrite FHA, VA, RD and conventional loans and appraisals in conformance with conventional, FHA and Dodd Frank regulations.
- Ensure all loan products meet state bond loan programs for Louisiana, Arkansas, Nebraska, Kansas, Missouri and Oklahoma.
- Regularly exceeded successfully underwriting 6 new loans daily with minimal error.
Consumer Loan Underwriter
Wells Fargo
Omaha, NE
01.2012 - 01.2013
- Evaluated loans for compliance with conventional and FHA guidelines, incorporating lender overlays to meet bank policy standards.
MDB Loan Underwriter II
Bank of the West
Omaha, NE
01.2005 - 01.2012
- Responsible for underwriting loans and appraisals in conformance with Fannie Mae, FHA and VA Guidelines with an authority level of $1.5 million.
- Direct Endorsement Underwriter since Nov 2008
- Consistently at the top of the UW Department with regards to loans reviewed and decisioned.
Buyer II
Commercial Federal Bank
Omaha, NE
01.2004 - 01.2005
- Secured the largest portfolio in the Indirect Lending Department of over $81 million.
- Analyze borrowers’ financial information in a timely manner to determine credit worthiness.
Skills
- Analyzing data
- Training and mentoring
- Risk evaluations
- Relationship building
- Underwriting guidelines
- Industry trends
- Risk assessment
- Asset statements
- Property appraisal
- Underwriting calculations
- Loan approval & denial
- Freddie mac & fannie mae
- Problem-solving
- Reliability
- Team collaboration
- Decision-making
- Task prioritization
- Self motivation
Timeline
Senior Underwriter
Supreme Lending
01.2020 - Current
Regional Underwriting Manager
Gateway Mortgage Group
01.2017 - 01.2020
Underwriter
Gateway Mortgage Group
01.2015 - 01.2017
Consumer Loan Underwriter
Wells Fargo
01.2012 - 01.2013
MDB Loan Underwriter II
Bank of the West
01.2005 - 01.2012
Buyer II
Commercial Federal Bank
01.2004 - 01.2005