Summary
Overview
Work History
Education
Skills
Timeline
Generic

Michael Rodriguez

Windsor,CT

Summary

To secure a Underwriting position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills to contribute to the success of the organization while being organized, dependable, and successful at managing multiple priorities with a positive attitude.

Overview

9
9
years of professional experience

Work History

Application Specialist

COCC
09.2023 - 05.2024
  • Handle lending solutions calls and messages to effectively assist client institutions
  • Assist end users with issues related to login problems, technical support, online bill pay, and online security
  • Document phone and email interactions with specific details in the case management system
  • Submit special processing requests from customers and follow up when completed to confirm the accuracy of the completed job.
  • Assisted in the development of product documentation, creating easy-to-follow user guides and manuals.
  • Increased customer satisfaction ratings through prompt resolution of technical issues via phone, email, or onsite assistance.
  • Optimized system functionality by conducting routine maintenance tasks, including software updates and bug fixes.
  • Streamlined communication between departments by establishing clear channels for sharing information.
  • Determined whether computer systems in company were sufficient for business requirements.

Loan Underwriter

Community Finance
03.2021 - 08.2023
  • Participated in ongoing professional development opportunities to stay current on best practices within the industry.
  • Contributed to a reduction in processing times by coordinating with other departments for prompt document retrieval and verification.
  • Calculate income from bank statements, pay stubs, and bank verification reports to determine the applicant's debt-to-income ratio.
  • Safeguarded company assets by verifying applicant income sources, employment history, credit reports, and collateral valuation documentation.
  • Ensured compliance with federal and state lending regulations by conducting regular audits on loan files and documentation.
  • Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.

Loan Underwriter

Pioneer Military Lending
04.2018 - 08.2019
  • Review income documents to calculate the applicant's income and debt-to-income ratio ensuring that the applicant meets the lending requirements to protect the applicant and bank against fraud.
  • Participated in ongoing professional development opportunities to stay current on best practices within the industry.
  • Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
  • Maintained regulatory compliance in all lending practices, staying up-to-date with industry standards and changes in legislation.
  • Monitored pipelines to track and log status of loans.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

Loan Servicing Specialist

Wells Fargo
04.2016 - 04.2018
  • Process incoming credit applications to ensure the information received matches the information reported on the credit bureaus.
  • Assist with inbound and outbound phone calls from applicants to gather missing information and/or clear fraud alerts.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Negotiated payment agreements with delinquent borrowers, reducing loss exposure while maintaining positive customer relations.
  • Offered friendly and efficient service to customers, handled challenging situations with ease.
  • Analyzed financial statements for risk assessment during underwriting process, contributing to higher quality loan portfolio growth.
  • Collaborated with cross-functional teams to ensure seamless loan origination and closing processes.

Customer Service Rep

Bank of America
03.2015 - 04.2016
  • Collect source data such as customer names, addresses, phone numbers, and credit card information for customers and enter data into customer service software.
  • Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
  • Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
  • Developed strong product knowledge to provide informed recommendations based on individual customer needs.
  • Met customer call guidelines for service levels, handle time and productivity.
  • Educated customers about billing, payment processing and support policies and procedures.

Education

Bachelor of Science - Business finance

Southern New Hampshire University
Manchester, NH
05.2023

Skills

  • Underwriting guidelines
  • Analyzing data
  • Documentation Review
  • Risk Assessment
  • Quality Assurance
  • Credit analysis
  • Data Collection
  • Data Interpretation
  • Caseload Management
  • Policy Development
  • Loan Evaluation
  • Problem-solving aptitude

Timeline

Application Specialist

COCC
09.2023 - 05.2024

Loan Underwriter

Community Finance
03.2021 - 08.2023

Loan Underwriter

Pioneer Military Lending
04.2018 - 08.2019

Loan Servicing Specialist

Wells Fargo
04.2016 - 04.2018

Customer Service Rep

Bank of America
03.2015 - 04.2016

Bachelor of Science - Business finance

Southern New Hampshire University
Michael Rodriguez