JUAN RUIZ
Dallas,TX
Summary
Results-oriented Senior Credit Analyst with over 10 of experience in the banking industry. Proven track record in conducting comprehensive credit risk assessments, including expertise in fraud detection and financial spreading. Adept at evaluating complex financial data to make informed credit decisions. Highly skilled in collaborating with crossfunctional teams to ensure compliance with regulatory standards. Known for implementing efficient processes and leveraging technology to enhance fraud prevention measures. Seeking to bring my analytical expertise and commitment to accuracy to a challenging Senior Credit Analyst role in a dynamic banking environment.
Overview
14
14
years of professional experience
Work History
Same Day Underwriter
Guaranteed Rate
07.2024 - Current
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Operations Analyst
First Centennial Mortgage
06.2021 - 09.2022
- Spearhead mortgage processing operations, managing a high-volume pipeline, and ensuring timely and accurate completion of loan applications
- Conduct comprehensive credit risk assessments, analyzing financial documents, credit reports, and other relevant information to evaluate borrower eligibility and loan viability
- Implement robust fraud detection measures, employing advanced analytical tools and techniques to identify and mitigate potential risks
- Collaborate with underwriters, loan officers, and external agencies to gather necessary documentation and resolve issues, ensuring a smooth and efficient loan approval process
- Ensure strict adherence to regulatory guidelines and internal policies, consistently achieving high levels of compliance in all loan processing activities
- Perform detailed credit risk assessments, analyzing financial documents and credit reports to evaluate risk exposure and adherence to credit policies
- Develop and implement effective fraud detection methodologies, utilizing analytical tools and techniques to identify and prevent fraudulent activities
Credit Risk Underwriter
First Centennial Mortgage
11.2020 - 05.2021
- Analyze and evaluate creditworthiness of individuals and businesses applying for loans, with a focus on government bonds and securitized assets
- Utilize in-depth knowledge of government bonds to assess risks associated with investments and provide recommendations for credit approvals or mitigating actions
- Collaborate with cross-functional teams to ensure compliance with regulatory requirements and internal policies in the underwriting process
- Regularly monitor market trends, economic indicators, and industry developments to stay informed about potential risks and opportunities
- Developed and maintained comprehensive documentation of credit analysis, ensuring compliance with internal and external guidelines
Operations Analyst Sr. Processor
Strong Home Mortgage
03.2020 - 10.2020
- Specialize in reviewing complex credit transactions, including large-scale corporate loans, structured finance deals, and intricate financial instruments
- Conduct in-depth analysis of financial statements, cash flow projections, and collateral structures to assess creditworthiness and identify potential risks
- Collaborate closely with relationship managers, legal teams, and other stakeholders to understand the nuances of complex credit deals and ensure accurate risk assessments
- Evaluate the impact of market conditions and economic trends on credit transactions, providing insights to support strategic decision-making
- Develop and present comprehensive credit risk reports to senior management, highlighting key factors and recommending risk mitigation strategies
Operations Analyst Sr. Loan Processor
Freedom Mortgage
06.2019 - 10.2020
- Analyzed and underwrote a diverse portfolio of complex credit transactions, including syndicated loans, project finance, and cross-border transactions
- Conducted thorough due diligence on potential borrowers, assessing their financial stability, industry trends, and market conditions
- Collaborated with legal and compliance teams to ensure adherence to regulatory requirements and internal policies in complex credit deals
- Conducted risk assessments on a variety of credit transactions, including leveraged buyouts, mergers and acquisitions, and structured debt
- Worked closely with deal teams to structure credit facilities that align with risk appetite and regulatory guidelines
Analyst Processor | Quality Control
Capital One Bank
05.2010 - 04.2016
- Evaluate the creditworthiness of individuals and businesses applying for loans and other financial products
- Utilize analytical tools and techniques to assess risk factors and make data-driven credit decisions
- Conduct comprehensive financial analysis, including cash flow projections, to determine risk exposure
- Implement effective fraud detection measures to identify and prevent fraudulent activities
- Stay informed about emerging fraud trends and continuously improve fraud prevention strategies
- Collaborate with cross-functional teams to enhance fraud detection capabilities
- Monitor and manage the credit risk within the existing portfolio
- Provide recommendations for risk mitigation strategies and portfolio optimization
- Analyze portfolio performance and contribute to the development of strategies to achieve business objectives
- Ensure compliance with relevant federal and state regulations governing credit operations
- Stay up-to-date with changes in regulatory requirements and adjust credit policies accordingly
- Collaborate with legal and compliance teams to address regulatory issues and implement necessary changes
Education
High School Diploma -
New Beginners Preparatory
Dallas2008
Skills
- Complex Credit Transactions
- Relationship Management
- Quality Control
- Financial Analysis
- Strategic Decision Making
- Regulatory Reporting
- Risk Assessment
- Analytical Skills
- Adaptability
- Due Diligence
- Collaboration
- Audit and Monitoring
- Regulatory Compliance
- Decision-Making
- Portfolio Monitoring
Timeline
Same Day Underwriter
Guaranteed Rate
07.2024 - Current
Operations Analyst
First Centennial Mortgage
06.2021 - 09.2022
Credit Risk Underwriter
First Centennial Mortgage
11.2020 - 05.2021
Operations Analyst Sr. Processor
Strong Home Mortgage
03.2020 - 10.2020
Operations Analyst Sr. Loan Processor
Freedom Mortgage
06.2019 - 10.2020
Analyst Processor | Quality Control
Capital One Bank
05.2010 - 04.2016
High School Diploma -
New Beginners Preparatory