Myriam Guevara
Saint Francis
Summary
Bilingual and dedicated Loan Underwriter with over 15 years of experience reviewing and evaluating Equity Lines
and mortgage applications. Meeting company goals by utilizing consistent and organized practices. Skilled in
working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
19
19
years of professional experience
Work History
Business Card Underwriter
JP Morgan Chase
Saint Francis , WI
09.2022 - Current
- Managed over 20 Customers' calls per day
- Review Personal and Business credit reports
- Collected and analyzed data from business and recommend approval or decline of request for credit
- Reconsidered application when request has been declined and seek exceptions by submitting applications for additional reviews
- Provided professional services and support in a dynamic work environment
- Paid attention to detail while completing assignments.
First Mortgage Underwriter
JP Morgan Chase
03.2020 - 08.2022
- Verified integrity of applicants' information to minimize fraud
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
- Applied grades to each loan application based on established criteria to keep institutional risk low
- Monitored pipelines to track and log status of loans
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
Home Equity Line Underwriter III
JPMorgan Chase
02.2006 - 02.2020
- Determined and documented loan conditions and communicated requirements and decisions
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
- Collaborated with team members to achieve target results
- Demonstrated respect, friendliness and willingness to help wherever needed
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Education
Bachelor of Arts - Communication And Journalism
Universidad De La Sabana
Bogotá12.1992
Skills
- Creditworthiness Determination
- Loan Product Knowledge
- Application Reviews
- Credit File Updating
- Offer options to Customers
- Evaluate risk to the Company
- Credit History Review
- Automated Underwriting Systems
- Variance and Risk Analysis
- Mortgage Lending Requirements
- Analytical and Critical Thinking
- Active Listening and Learning
Timeline
Business Card Underwriter
JP Morgan Chase
09.2022 - Current
First Mortgage Underwriter
JP Morgan Chase
03.2020 - 08.2022
Home Equity Line Underwriter III
JPMorgan Chase
02.2006 - 02.2020
Bachelor of Arts - Communication And Journalism
Universidad De La Sabana