Margarita Rodriguez

• Analyzed complex financial documents, including tax returns, bank statements, and credit histories, to assess borrower risk and determine repayment
• Analyzed borrower creditworthiness by evaluating income, assets, liabilities, credit history, property value, and risk factors.
• Reviewed loan files for compliance and accuracy within 24-48 hours, streamlining loan approval process.
• Issued clear, well-documented underwriting decisions and conditions to enhance communication with stakeholders.
• Ensured full compliance with federal and state lending guidelines, including TRID, HMDA, and ATR/QM rules.
• Facilitated loan approvals, achieving final decisions within 4-30 days to improve customer satisfaction.
• Coordinated with loan officers and processors to resolve documentation discrepancies, ensuring timely loan processing.
• Evaluated ineligible loan applications to identify potential counteroffer solutions.

· Assessed borrower creditworthiness by reviewing income, assets, liabilities, credit history, property value, and risk factors.

· Assessed borrower creditworthiness by analyzing income, assets, liabilities, credit history, property value, and risk factors to determine loan eligibility.

· Verified third-party documents, including purchase contracts/addendums, title reports, income documents, assets, and appraisal reports for compliance and accuracy.

· Verified third-party documents, including purchase contracts/addendums, title reports, income documents, assets, and appraisal reports, to uphold compliance standards and mitigate risk.

· Checked loan limits, title reports, payoff statements, settlement estimates, closing costs, and wiring instructions for precision.

· Checked loan limits, title reports, payoff statements, settlement estimates, closing costs, and wiring instructions to ensure accuracy and compliance with regulations.

· Documented underwriting decisions clearly and comprehensively.

· Reviewed and approved over 100 files per month.

• Issued clear, well-documented underwriting decisions and conditions.