Jonathan Valenzuela
West Jordan,UT
Summary
Highly skilled Underwriter with 10 years of experience in consistently exceeding loan approval targets and implementing new underwriting guidelines resulting in increased revenue and customer satisfaction. Proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
14
14
years of professional experience
Work History
Mortgage Underwriter
American United Credit Union
08.2020 - Current
- Analyzed and verified applicant income, assets, and credit history to support compliance with underwriting guidelines.
- Identified portfolio risks resulting from clients underlying business practices, underwriting investigations, or fraud exposure leading to a 15% in customer retention.
- Negotiated and communicated with loan officers, processors, and loan applicants to reach satisfactory loan terms.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Assisted in training new team members, and fostering a collaborative work environment that supported professional growth.
Consumer Loan Underwriter
American United Credit Union
08.2014 - 08.2020
- Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
- Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.
- Maintained in-depth understanding of USDA, FHA, VA, FNMA, and FHLMC loan requirements.
- Mitigated regulatory risks by ensuring all closing loans adhered to HMDA compliance and government guidelines.
- Adhered to loan procedures and conditions and cut lags by 20%.
Teller
American United Credit Union
08.2012 - 08.2014
- Assisted branch management in implementing new policies and procedures, ensuring smooth transitions for both staff and clients.
- Established rapport with new clients to increase satisfaction and loyalty.
- Mentored junior bank tellers, fostering a positive work environment and encouraging professional growth.
- Conducted regular audits of cash drawers, ensuring compliance with internal controls and regulatory requirements.
Bilingual Financial Service Representative
Cyprus Credit Union
01.2010 - 01.2011
- Handled customer complaints quickly and professionally to restore customer confidence and prevent loss of business.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Identified fraudulent activities by diligently monitoring transactions and reporting suspicious activity to management.
- Educated customers on banking products, enabling them to make informed decisions about their finances.
Education
High School Diploma -
Copper Hills High School
West Jordan, UT06.2010
Skills
- Loan underwriting expertise
- Risk assessment and mitigation
- Regulatory compliance
- Process improvement and implementation
- Knowledge of mortgage industry trends and best practices
- Proficient with Windows, CRM Program, FSP Program, Prodigy Program
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Underwriter
American United Credit Union
08.2020 - Current
Consumer Loan Underwriter
American United Credit Union
08.2014 - 08.2020
Teller
American United Credit Union
08.2012 - 08.2014
Bilingual Financial Service Representative
Cyprus Credit Union
01.2010 - 01.2011
High School Diploma -
Copper Hills High School
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