Nathaniel Uy
Chandler,AZ
Summary
Hardworking and motivated professional with over a decade of experience with assisting clients and team members. Personable with exceptional customer service skills. Solid background in home lending for all loans and property types. Focused on mitigating company risks while meeting profit goals by making strategic decisions. Proven expertise in identifying unacceptable risk and preventing fraud. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs.
Overview
15
15
years of professional experience
Work History
Fraud and Claims Specialist
Wells Fargo & Company
11.2022 - Current
- Assisted new hire employees as a training coach
- SME (Special Matter Expert) for Debit Card claims
- ATM Debit Card Pin & Signature Fraud and Non Fraud Claims (CEDARS, DAT)
- Conducted claim investigations and provided resolution to customers
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Reviewed transactions and receipts to identify any suspicious activity.
- Understood requirements for disputes, gathered evidence to support claims and prepared customer cases to handle appeals.
First Mortgage Underwriter II
Stearns Lending LLC
12.2020 - 03.2022
- Wholesale Underwriting (FNMA and FHLMC)
- Underwrite new loans and review submitted priority loans daily
- Decision loans up to $1.million lending authority
- Adhere to AUS with LP and DU for conditioning guidelines.
- Interact well with Brokers, Account Executives, Account Managers and Closer/Funders to ensure on time closings
- Review Investor Conforming, High Balance, Preferred Investment and Jumbo loans
- Calculate debt to income ratio and loan to value ratio
- Calculate self employment, investment, retirement and w2 income
- Research and verify loan information for loan quality
- Appraisal reviews for SFR, Condos, Manufactured Homes and 2-4 Units properties
- Examine loans for accuracy, adhere to compliance, guidelines and company policies
- Ensure loan type meets product specifications or counter offers to other product
- Risk analysis based on income, credit, assets and property
- Top 25% UW company wide in 2021
Mortgage Underwriter
JPMorgan Chase Co
06.2015 - 12.2020
- Manual Underwriting of first mortgage and home equity loans
- Underwriting review for Chase Private Clients, Employee loans, TX50a6 and CO-OPS loans
- Analyze submitted files for Capacity, Capital, Character, Collateral and Condition
- Review all loan underwriting documentation to ensure compliance with business and investor guideline and requirements
- Maintain all knowledge of policies and procedures for investor and overlays
- Home Equity Pilot
- Top 10 Underwriter in Home Equity 2018/2019
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions
Mortgage Loan Funder
Bank of America
01.2014 - 06.2015
- Post-closing department documented loan history, serviced and responded to all inquiries regarding POAs, recorded lien release, and satisfactions by filing with different state and counties to meet guidelines.
Mortgage Research Analyst
JPMorgan Chase Co.
11.2012 - 01.2014
- The overall department objective is to provide FNMA & FHLMC with viable mortgage solutions that align with Chase's business strategies and operational goals to eliminate monetary losses associated with investor initiated foreclosures.
Foreclosure Mortgage Specialist
Bank of America
02.2012 - 11.2012
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Remained updated with latest information related to mortgage products and services being offered.
- Created profitable and efficient solutions.
Recovery Agent
Iqor Holdings
07.2008 - 02.2012
- A liaison between DirecTV, ADT and Verizon Wireless customers.
- Responsible for communicating directly with customers to collect debts and resolve outstanding balances.
- High level of customer service and negotiation skills, as well as a mind for problem-solving.
Education
Business Management Classes - Business Management
Mesa Community College
Mesa, Arizona01.2008
Certified Nursing Assistant - Nursing
Encinitas Healthcare And Rehab Center
Encinitas, California05.2005
Business Marketing Classes - Marketing
Colegio De San Juan De Letran
Calamba, Laguna, Phillipines09.2003
Skills
- Wholesale, Retail, and Home Equity Underwriter
- DU & LP Mortgage Underwriter
- Debt-To-Income Ratios
- Guidelines Compliance
- Complex Problem-Solving
- Critical Thinking
- Fraud Detection
- Financial History with High Loan Balance Reviews
- Property Appraisal Reviews
- Customer Service, Collections and Sales Experience
- Production Goals
Timeline
Fraud and Claims Specialist
Wells Fargo & Company
11.2022 - Current
First Mortgage Underwriter II
Stearns Lending LLC
12.2020 - 03.2022
Mortgage Underwriter
JPMorgan Chase Co
06.2015 - 12.2020
Mortgage Loan Funder
Bank of America
01.2014 - 06.2015
Mortgage Research Analyst
JPMorgan Chase Co.
11.2012 - 01.2014
Foreclosure Mortgage Specialist
Bank of America
02.2012 - 11.2012
Recovery Agent
Iqor Holdings
07.2008 - 02.2012
Business Management Classes - Business Management
Mesa Community College
Certified Nursing Assistant - Nursing
Encinitas Healthcare And Rehab Center
Business Marketing Classes - Marketing
Colegio De San Juan De Letran