Luis De La Concha-Sanchez
San Diego,CA
Summary
Be the best version of myself, always looking for new challenges. Keeping a well balance life at work, family and friends is the key to success.
Overview
9
9
years of professional experience
Work History
Loan Underwriter
Truist Bank
08.2017 - Current
- Improved loan approval rates by conducting thorough risk assessments and evaluating borrowers'' financial capabilities.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Reduced delinquency rates through meticulous evaluation of borrower creditworthiness and adherence to underwriting guidelines.
- Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
- Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
Cash Management Officer
Grupo Financiero Banorte
01.2017 - 08.2017
- Enhanced cash flow by optimizing daily liquidity management processes.
- Improved overall cash positioning with accurate forecasting and timely reporting of financial data.
- Designed customized cash management solutions for clients to maximize their working capital.
- Collaborated with cross-functional teams to implement process improvements, leading to greater efficiency in managing cash resources.
- Specialist in sales of different technological solutions to streamline the treasury processes
Product Owner
Citibank
08.2014 - 12.2016
- Product Owner at an Agile project developing the Personal Online Banking website for customers.
- Lead team interactions between (50) people from the analyst, development, project management, and testing teams
- Streamlined project management processes for improved efficiency and timely product delivery.
- Implemented Agile methodologies to increase team productivity and enhance overall project outcomes.
- Develop business requirements for over (20) functions and resolve clarity issues throughout the project lifecycle, in both waterfall and agile, primary roll Product Owner.
- Point of contact with Global team for new requirements, analysis, deployments, strategy and planning.
Education
BBA - Business Administration And Management
Universidad Anahuac
Mexico City12.2014
Skills
- Risk Evaluation
- Credit Analysis
- Portfolio Management
- Loan Processing
- Income Verification
- Customer Service
- Documentation Review
- Fraud Detection
- Credit Scoring
- Debt-to-Income Calculation
Affiliations
- Golf
- Travel
- Movies
- Give back to the community and volunteer
Languages
Spanish
Native or Bilingual
Timeline
Loan Underwriter
Truist Bank
08.2017 - Current
Cash Management Officer
Grupo Financiero Banorte
01.2017 - 08.2017
Product Owner
Citibank
08.2014 - 12.2016
BBA - Business Administration And Management
Universidad Anahuac