MARGARITA GARCIA

Santa Ana,CA

Summary

Methodical credit risk analyst & underwriter analyst committed to meeting strict 24 hr deadlines and personally guiding clients through underwriting process. Expertise in credit and income analysis, loan closing and risk assessment. Innovative and diligent individual commended for working collaboratively with team members and accurately completing loan packages. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

years of professional experience

Work History

Underwriting Analyst

Stax

07.2018 - Current

Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants to repay loan.
Improved department efficiency 80% by developing file management systems and spreadsheets to manage loan review.
Performed second-level review for loans recommended for denial by assisting with re-negotiations.
Trained and delivered feedback to 12 person underwriting team by coaching subordinates on underwriting policies and decisions.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Assisted Operations Team by calculating group and individual renewal rates based on customers' background, industry and demographic information.
Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement
Negotiated terms and conditions of coverage with clients to acquire maximum profitability

Guest Service Department Manager

McDonald's Corporate

03.2014 - 09.2019

Monitored guest services personnel for efficiency and accuracy of response to guest complaints.
Collaborated with outside departments to coordinate solutions and retain guest satisfaction.
Consistently offered personalized recommendations for guest activities based on detailed conversations with clients upon arrival.
Motivated and rewarded employees to improve engagement.
Coached and developed associates to improve soft skills and recovery techniques.
Oversaw regulated greeting and internal processing of guests upon arrival.
Directed training and retraining of employees to boost performance and enhance business results.
Effectively supervised staff of 22 personnel by implementing company policies, protocols, work rules and disciplinary action.
Monitored guest services personnel for efficiency and accuracy of response to guest complaints
Conducted regular training sessions for staff to keep up to date with customer service practices

Education

Associate of Science - Business Administration And Management

Santiago Canyon College, Orange, CA

05.2019

Skills

Business Operations in US
Mortgage Lending qualifications
Financial Advisement with small and major business
Underwriting Regulations and Qualifications

Key Performance Indicators (KPI)
Financial Oversight and losses
Manage Risk appetite
Credit Risk Evaluation

Languages

English

Native or Bilingual

Spanish

Native or Bilingual

French

Limited Working

Timeline

Underwriting Analyst - Stax

07.2018 - Current

Guest Service Department Manager - McDonald's Corporate