Summary
Overview
Work History
Education
Skills
References
Bilingual
Nmls
Certification
Languages
Timeline
Generic

Jany Muñoz | NMLS 520170

Miramar,FL

Summary

Seasoned Senior Underwriter with a proven track record at Digital Risk/BofA, showcasing exceptional analytical skills and a detail-oriented approach. Expert in risk management and credit analysis, adept at multitasking under pressure to meet strict deadlines. Achieved over 100% of funding goals, demonstrating strong negotiation abilities and commitment to quality assurance.

Overview

18
18
years of professional experience
1
1
Certification

Work History

Senior Underwriter

Digital Risk/BofA
Boca Raton, FL
10.2015 - Current
  • Maintaining meticulous attention and following a detail-oriented approach while underwriting mortgage applications for accuracy, risk, and compliance.
  • Evaluating the financial strength of borrowers, and understanding the risk and repayment capacity of loan applicants.
  • Negotiate, approve, recommend, or decline within established guidelines and the authorized lending limit.
  • Assess applicants' financial status, tax returns, business returns, credit, and property valuations to determine the feasibility of granting loans.
  • Analyze customers' loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, sources of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
  • Determine eligible funds for closing/reserves from various asset documentation, including bank verification, bank statements, retirement account documentation, trust documents, business funds, etc.
  • Review purchase agreements, preliminary title reports, and appraisals for collateral acceptability.
  • Underwrite loans to ensure secondary market salability.
  • Thorough understanding of credit, and an ability to review complex financial documents.
  • Signing Authority Level 6 on conforming and non-conforming loans, multifamily, affordable housing, approved to underwrite in all 50 states.
  • Handle a pipeline of 80 or more loans.
  • Rendering decisions between 4 and 5 loans a day, with a condition review SLA of 24 to 48 hours.
  • Participate in special projects focused on auditing and supporting less-tenured underwriters to ensure compliance standards are met.
  • Ability to meet or exceed production, quality, and service standards.
  • Auditing internal defects.
  • Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
  • Created action plan to handle accounts with unacceptable risk characteristics.

Underwriter

Bank of America
Sunrise, FL
03.2011 - 09.2015
  • Underwrite residential modification loans, ensuring compliance with appropriate secondary market standards and guidelines for MHA, GSA, Non-GSE, and FHA.
  • Complete a review of previous credit ratings, the current credit score, all household income, and expenses to calculate the debt-to-income ratio.
  • Review modification files and assess risk (Audit).
  • Works with customer contact and process support team members to ensure appropriate documentation and data are provided to support the workout option being applied for by customers.
  • Maintains knowledge of published guidelines, and is fluent in searching system portals for clarification when needed.
  • Ensures thorough notes to ensure that audit team members are able to follow the logic in the decision rendered.

Home Service Specialist II

Bank of America
Sunrise, FL
11.2009 - 02.2011
  • Work directly with high-production loan officers.
  • Managed pipelines of 25 to 30 loans, totaling $6,600,000.
  • Signing authority level SASE 1 for clearing conditions, issuing changes to terms as needed, and verifying conditions of approval, which include income and asset documentation.
  • Responsible for resolving routine title issues, processing subordinations, resolving appraisal disputes, etc.
  • Maintains a high level of customer service, being proactive in communication with customers, including banking center associates, realtors, etc.
  • Knowledge of conventional and/or government guidelines.
  • Knowledge of procedures and federal lending regulations governing real estate lending.
  • Consistently achieve 100% to 125% of funding goals.

Branch Operations Director

Homebuilder's Financial Network
Miami, FL
05.2007 - 05.2008
  • Responsible for mortgage loan activity for a particular geographic region.
  • Oversees multiple branches to ensure loan policies are being met.
  • Manage and direct the daily activities of the mortgage operations department.
  • Responsible for all lending functions, which may include sales, processing, and closing.
  • Review mid- to large-sized loans of a complex scope.
  • Manages relationships with branch managers by providing service and support.
  • Monthly meetings with individual branch managers to oversee that margins are being met.
  • Negotiate the selling of loan products to meet the needs of each individual borrower.
  • Advise branch managers on current rates in the industry to sell loans.
  • Familiar with a variety of the field's concepts, practices, and procedures.
  • Relies on experience and judgment to plan and accomplish goals.

Education

Associate of Science - Finance & Business Management

Kaplan University
Online
06-2004

Skills

  • Ability to maintain confidentiality
  • Strong analytical skills
  • Attention to detail
  • Excellent communication skills
  • Negotiation skills
  • Ability to multitask
  • Ability to work under pressure
  • Ability to meet strict deadlines
  • Risk evaluations
  • Sales support
  • Credit analysis
  • Quality control
  • Underwriting guidelines
  • Quality assurance
  • Risk management
  • Balance sheets
  • Profits and losses tracking
  • Audit reporting
  • Issue resolution
  • Internal auditing

References

References are available upon request

Bilingual

True

Nmls

520170

Certification

  • NMLS 520170

Languages

English
Native/ Bilingual
Spanish
Native/ Bilingual

Timeline

Senior Underwriter

Digital Risk/BofA
10.2015 - Current

Underwriter

Bank of America
03.2011 - 09.2015

Home Service Specialist II

Bank of America
11.2009 - 02.2011

Branch Operations Director

Homebuilder's Financial Network
05.2007 - 05.2008

Associate of Science - Finance & Business Management

Kaplan University

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Jany Muñoz | NMLS 520170