Summary
Overview
Work History
Education
Skills
References
Timeline
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LUIS ORTIZ

Drexel Hill,USA

Summary

Detail-oriented junior underwriter with expertise in loan underwriting and risk assessment. Successfully managed a pipeline of 50-60 transactions while ensuring compliance with guidelines. Recognized for delivering exceptional internal customer service and maintaining high accuracy in evaluations.

Overview

7
7
years of professional experience

Work History

Junior Underwriter

Freedom Mortgage
Mt Laurel, NJ
01.2020 - 01.2022
  • Support the underwriting department in issuing lending decisions on loans.
  • Managed a pipeline of 50-60 loan transactions.
  • Satisfied underwriting conditions that were submitted by the loan processor.
  • Provide feedback and coaching to the processing department.
  • Structured and restructured loans to assist in getting them approved.
  • Provided great internal customer service via daily interactions with loan officers, underwriters, closers, borrowers, and third-party vendors.
  • Handle external customer service duties including one call resolutions, financial statement review, guideline interpretation, and excellent communication.
  • Responsible for underwriting and approving the appraisal.
  • Conventional, FHA, VA guideline knowledge.

Senior Mortgage Processor

Freedom Mortgage
Mt Laurel, NJ
01.2019 - 01.2020
  • Responsible for processing of Purchase/Refinance mortgage files and handling mortgage related phone calls.
  • Experience running DU/LP expert knowledge in multiple underwriting guidelines including but not limited to Fannie, Freddie, FHA, or VA.
  • Working with FHA connection, VA portal and Sales Force.
  • Responsible for the review and escalation of the appraisal.
  • I provided great internal customer service via daily interactions with loan officers, underwriters, closers, borrowers, and third-party vendors.
  • Responsible for Underwriting and approving the appraisal.
  • Handle external customer service duties including one call resolution financial statement review, guideline interpretation, and excellent communication.
  • Great at multitasking; handling a 25-plus loan pipeline, meeting and exceeding management and borrowers' expectations each month.

Senior Mortgage Processor

JG Wentworth Home Lending
Chesterbrook, Pa
01.2016 - 01.2018
  • Responsible for the processing of mortgage files from beginning until the end.
  • Experience running DU/LP expert knowledge in multiple underwriting guidelines including but not limited to Fannie, Freddie, FHA, or VA.
  • Daily interaction with loan officers, underwriters, closers, borrowers, and third-party vendors.
  • Duties include income calculation, financial statement review, guideline interpretation, and constant communication.
  • Daily management of pipeline making sure that all closing dates, weekly, and monthly goals are met.
  • Multitasking handling a 30 plus loan pipeline and meeting and exceeding management and borrowers expectations.
  • Performing quality assurance on files ensuring that compliance, customer service, and credit risk are adhered to.

Loan Coordinator/Borrower Facilitator

Freedom Mortgage
Mt Laurel, NJ
01.2015 - 01.2016
  • Responsible for reviewing the completed loan application to assure that all company policies and procedures have been met including all compliance regulations for individual investors.
  • Accurately collect documents from vendors and third parties as it pertains to a loan.
  • Ensure tracking item requests are valid.
  • Maintain daily open tracking item report.
  • Review and compare returned documentation with original information as indicated on loan application.
  • Returned all voicemails in a timely manner.
  • Upload documents.
  • Begin new and ongoing assignments until completion.
  • Assist with Home Owners Insurance to include employment verification, pay-offs, IRS forms (4506T).

Education

Certificate - Fundamental/Practice

American Real Estate Academy
Philadelphia, PA
01.2018

12 credits - Sales and Marketing

Superior College at Duluth
Dulth, MN
01.2008

General Education Diploma -

Maine Department of Education
Augusta, MR
01.2003

Skills

  • Loan underwriting
  • Risk assessment and analysis
  • Guideline interpretation
  • Appraisal review
  • Customer relationship management

References

References upon Request

Timeline

Junior Underwriter

Freedom Mortgage
01.2020 - 01.2022

Senior Mortgage Processor

Freedom Mortgage
01.2019 - 01.2020

Senior Mortgage Processor

JG Wentworth Home Lending
01.2016 - 01.2018

Loan Coordinator/Borrower Facilitator

Freedom Mortgage
01.2015 - 01.2016

Certificate - Fundamental/Practice

American Real Estate Academy

12 credits - Sales and Marketing

Superior College at Duluth

General Education Diploma -

Maine Department of Education

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