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, NH05.2023
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
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