JAVIER RODRIGUEZ
Desert Hot Springs
Summary
Dynamic Sr. Underwriter with extensive experience at Platinum Capital Group, excelling in loan approvals and risk management. Proven track record in regulatory compliance and appraisal analysis, delivering exceptional customer service while maintaining high-quality standards. Adept at developing policies and building strong relationships, ensuring optimal outcomes in complex underwriting scenarios.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Sr Underwriter
Essent Guaranty
Irvine
03.2013 - 04.2025
- Underwrite 6 loans per day and Review all conditions to specific Internal, agency and portfolio products
- Validate and correct all data entry information in MIU Internal Underwriting system
- Review DU/LP for accuracy and URLA for Accuracy
- Carefully analyze all income, Assets, Escrow, title and Purchase contract for accuracy that meets all Internal Mortgage Insurance, investor and or Fannie/Freddie Mac Guidelines.
- Thoroughly analyze and review all Appraisals for accuracy of comps provided to assure proper value being supported in all areas.
- Knowledge of Calyx Point, DataTrac,Citrix, CMS, TMO, Lotus Notes, DU/LP, MIU,agency and portfolio guidelines
- Respond to all QC audits-reviews on any and all loans internally to assure accuracy and compliant with internal requirements.
- Provide exceptional #1 Customer service experience for both Lenders and Account reps
Sr Underwriter
RPM Mortgage
05.2012 - 01.2013
- Input all new loans into DU/LP automated underwriting systems
- Stack and underwrite all loans to investor guidelines for accuracy
- Carefully analyze all income documentation, title, appraisals for accuracy and clean delivery to investor and or Fannie/Freddie Mac
- Sign off conditions based on guidelines and investor requirements
- Thorough Knowledge of all Investor and internal Guidelines and internal policies.
- Maintain daily underwriting department’s quotas and turn times
Senior Underwriter IV
MetLife Home Loans
Irvine
12.2010 - 03.2012
- Underwrite and Review all conditions to agency and portfolio products
- Validate and correct all data entry information in TMO and DU/LP for accuracy
- Review all loans to assure all required State specific disclosures have been met
- Maintain daily underwriting department’s quotas and turn times
- Provide support and excellent customer service to all mortgage consultants and internal staff
- Knowledge of Citrix, CMS, TMO, Lotus Notes, DU/LP, agency and portfolio guidelines
Senior Underwriter
Mortgage Capital
Santa Monica
07.2009 - 12.2010
- Input all new loans into DU/LP automated underwriting systems
- Stack and underwrite all loans to investor guidelines for accuracy
- Carefully analyze all income documentation, title, appraisals for accuracy and clean delivery to investor and or Fannie/Freddie Mac
- Respond to all QC audits on any and all loans from company to assure that all state compliance requirements are met.
- Knowledge of all Automated Underwriting systems (DU/LP, Asset wise, Clout etc.
- Underwrite residential mortgage for Prime and Non-Prime paper.
- Signed off on loan conditions based on loan approval and lender investor’s guidelines.
- Knowledge of FNMA/DU, FHLMC/LP, RFC- GMAC Asset wise and Countrywide Clout.
- Strong Knowledge of Calyx Point, DataTrac
- Perform and maintain monthly reports on national pipeline for high pull through
Underwriting Manager
Arbotco Financial Corp.
Temple City
06.2008 - 06.2009
- Underwrite 5 loan per day (Conventional & High Balance loans)
- Run Automated underwriting system DU/LP/Clout with accuracy
- Review all conditions for approval based on investor guidelines and AUS approval requirements and maintain a 24 hr. turn times
- Trouble shoot any problems that may come up through the loan process
- Provide Exceptional customer service experience to broker and account executives alike.
Underwriting Manager
Paul Financial
Irvine
06.2007 - 11.2007
- Manage all Underwriting and support staff
- Work closely with VP on the exceptions outside investors, Internal Guidelines and expansion of guidelines
- Underwrite minimum of 5 loans per day and review and clear all conditions to meet internal and investor guidelines.
- Underwriting approval to 3 million
- Distribute all loans received daily and Monthly reports to maintain customer satisfaction ratings and 24 hr turn times.
- 2nd review all loans above underwriters signing authorities
- Handle all escalated issues and troubleshoot any concerns for Brokers
- Knowledge of calyx point, Image now and data trac and well as DU/LP/ CLOUT and all Investor, FNMA and FHLMC Guidelines.
VP of Internal Mortgage Banking/Underwriting Manager
Platinum Capital Group
07.2002 - 11.2007
- Manage all underwriting and support staff.
- Responsible for loan approvals in the Retail and Wholesale Department.
- Perform and maintain monthly reports on national pipeline for high pull through.
- Work with investors on expansion of guidelines, loan exceptions and loan approvals. Knowledge of DU/LP, Clout, Asset wise and other AU systems.
- Strong Knowledge of Calyx Point and DataTrac
- Underwrite residential mortgage loans which include the following: Conforming, and 2nd Trust Jumbo, Deeds.
- Private Investor Loans, Prime, Non-Prime B & C paper
- Sign off conditions based on guidelines and investor requirements
- Authorized to approve loans of up to 3 million.
- Served as advisor to Platinum Capital Group and its Affiliated Branches. Minimize company loss and maintain profit margins
- Gross over $50 - $70 million per month in Retail and over $50 million in Wholesale Divisions.
Sr. Underwriter
Mortgage Guarantee Insurance Corporation (MGIC)
Irvine
03.1998 - 06.2002
- Underwrite residential mortgage for Prime Conventional and Jumbo loans.
- Signed off on loan conditions based on loan approval and lender investor’s guidelines.
- Knowledge of FNMA/DU, FHLMC/LP, RFC- GMAC Asset wise and Countrywide Clout.
- Strong Knowledge of Calyx Point, DataTrac
Education
AA Degree - Business
CSULB
CASkills
- Loan underwriting
- Automated underwriting
- Regulatory compliance
- Data validation
- Investor guidelines
- Appraisal analysis
- Customer service
- Risk assessment
- Time management
- Team collaboration
- Problem solving
- Attention to detail
- Effective communication
- Credit analysis
- Quality assurance
- Building strong relationships
- Risk evaluations
- Trend analysis
- Developing policies
- Training and mentoring
- Underwriting guidelines
- Business development
- Risk management
- Portfolio management
- Managing risk
- Freddie mac & fannie mae
- Loan evaluation
- Asset statements
- Policy interpretation
- Risk mitigation
- Loan approval & denial
- Legal compliance
Certification
- CA Commissioned Notary Public
- Licensed Real Estate Agent
References
Available upon Request
Languages
Spanish
Professional
Portuguese
Professional
Timeline
Sr Underwriter
Essent Guaranty
03.2013 - 04.2025
Sr Underwriter
RPM Mortgage
05.2012 - 01.2013
Senior Underwriter IV
MetLife Home Loans
12.2010 - 03.2012
Senior Underwriter
Mortgage Capital
07.2009 - 12.2010
Underwriting Manager
Arbotco Financial Corp.
06.2008 - 06.2009
Underwriting Manager
Paul Financial
06.2007 - 11.2007
VP of Internal Mortgage Banking/Underwriting Manager
Platinum Capital Group
07.2002 - 11.2007
Sr. Underwriter
Mortgage Guarantee Insurance Corporation (MGIC)
03.1998 - 06.2002
AA Degree - Business
CSULB
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