Ma. Jermaine Joy De Los Reyes
Argyle,Texas
Summary
Dynamic and experienced underwriter with a strong background in assessing and analyzing consumer loan and credit card applications. Skilled in evaluating financial risks through credit history, income, character and asset documentation to make informed lending decisions. With 8 years of experience assessing risks in the financial industry, I have honed my abilities in enhanced due diligence, KYC and risk assessment. My track record speaks for itself, consistently maximizing profit while minimizing risk through timely approvals and thorough risk assessments. Ready to leverage analytical skills and meticulous attention to detail to contribute to the success of prospective employers in the financial services sector.
Overview
9
9
years of professional experience
Work History
Consumer Loan Underwriter (USA)
Wells Fargo
05.2021 - 10.2024
- Reviewed and critically assessed all facets of consumer loan applications
- Evaluated the risks associated with granting loans to optimize approval decisions while maximizing profit and minimizing potential losses
- Analyzed credit histories, assets, and income streams
- Reviewed essential documents such as pay stubs, W2s, federal tax returns, brokerage statements, and other proof of asset ownership
- Engaged in effective communication with bankers, contact centers, and consumers to negotiate loan terms and modifications.
- Executed verifications and loan documentation activities, including income review, brokerage analysis, and customer identification compliance.
- Part of special team working on tax returns to evaluate and verify reported income from individual and business federal tax returns with all schedules including Partnership and S corp
- Work on escalations and collaborate with the managers from different line of businesses regarding complex loans.
Credit Underwriter (UK)
HSBC Electronic Data Processing Inc.
06.2019 - 04.2020
- Evaluated financial risk and exercised sound judgment by reviewing and verifying income statements, tax returns, and other financial documents to develop borrowers' profiles and formulate credit recommendations
- Assessed employment history, credit records from bureau reports, income, title work, and savings to ensure borrowers met loan qualification criteria
- Scrutinized all documentation for adherence to guidelines to determine eligibility for final approval
- Cultivated and maintained effective communication with telephone banking, branches, and clients
- Recommended adjustments to credit limits under specific conditions
- Made timely decisions on credit applications with 10-15 mins average handle time per application
- Executed due diligence for regulatory compliance and verified loan documentation
- Ensured application requests were underwritten consistently in line with the bank’s credit policies and standards
- Managed multitasking for offline applications and live underwriting activities
Customer Service Representative/SME
Remitly Inc
01.2016 - 02.2019
- Delivered exceptional customer support across various channels, including phone, chat, and email, assisting clients from North America, Latin America, Europe, Africa, and Australia
- Liaised with partner banks to address transaction statuses exceeding SLA, user data discrepancies, and system errors
- Consolidated source data and updated the information database as necessary
- Reviewed and curated valid documents to ensure compliance with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations across different jurisdictions
- Conducted KYC reports on suspicious accounts and transactions
- Identified high-risk accounts and flagged negative information from OFAC (Office of Foreign Assets Control) reviews
- Scrutinized data from Lexis Nexis and documentation to ascertain customer profiles and identify risks
- Performed due diligence or Enhanced Due Diligence (EDD) on questionable transactions and high-risk accounts
- Authorized or rejected transactions based on company policies and regulatory compliance requirements
- Provided cross-support for the Nicaragua site in managing LatAm transactions subject to KYC and AML compliance
- Tested and provided feedback on newly developed processes, procedures, or tools prior to their implementation in operations
- Facilitated training for new hires regarding established processes
Education
Bachelor of Science - Foreign Service
University of Manila
Manila03.2013
Bachelor of Science - Tourism Management
Fil’Amer Christian University
Roxas City10.2011
Bachelor of Arts - Foreign Service
New Era University
Quezon City03.2011
Skills
- KYC and AML compliance
- Credit decisioning
- Financial risk assessment
- Data analysis
- MS Office
- Documentation verification
- Negotiation skills
- Analytical skills
- Communication skills
- Attention to detail
- Time management
- Conflict resolution
- Logical reasoning
- Interpersonal skills
- Integrity and confidentiality
- Tax Analysis
- Income Verification
- Credit Review
- Loan Documentation
- Customer Service
Personal Information
Title: Consumer Loan Underwriter
Character Reference
Glory Criddle +15625561190
Underwriting Associate Manager, Tax Review Team
Timeline
Consumer Loan Underwriter (USA)
Wells Fargo
05.2021 - 10.2024
Credit Underwriter (UK)
HSBC Electronic Data Processing Inc.
06.2019 - 04.2020
Customer Service Representative/SME
Remitly Inc
01.2016 - 02.2019
Bachelor of Science - Tourism Management
Fil’Amer Christian University
Bachelor of Arts - Foreign Service
New Era University
Bachelor of Science - Foreign Service
University of Manila
Similar Profiles
PATRICIA M. SCHERERPATRICIA M. SCHERER
Regional Bank Private Banker II at Wells Fargo Bank / Wells Fargo AdvisorsRegional Bank Private Banker II at Wells Fargo Bank / Wells Fargo Advisors
Andrew S. HollenbachAndrew S. Hollenbach
Collateral Valuation Analysis at Wells Fargo Home Mortgage and Wells Fargo Bank NACollateral Valuation Analysis at Wells Fargo Home Mortgage and Wells Fargo Bank NA
Laxmikanth ChittampallyLaxmikanth Chittampally
Senior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells FargoSenior Operational Processor at Wells Fargo India Solution PVT Ltd, Wells Fargo
Mayank OberoiMayank Oberoi
Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)Financial Accounting Associate/ Alteryx SME at Wells Fargo International Solutions Private LTD (Wells Fargo)
AUTUMN CHONGAUTUMN CHONG
Client Care Coordinator at Argyle Veterinary HospitalClient Care Coordinator at Argyle Veterinary Hospital