Nicholas Rios
Yorba Linda,CA
Summary
Dynamic underwriting professional with a proven track record at River Financial Group, excelling in risk assessment and team leadership. Expert in developing strategies that enhance operational efficiency and compliance. Strong decision-maker and mentor, fostering growth while improving underwriting accuracy and turnaround time. Committed to driving results through effective project management and training initiatives.
Professional underwriting leader prepared for strategic roles in risk assessment and policy development. Demonstrated ability to drive successful outcomes through team collaboration and adaptable strategies. Skilled in financial analysis, risk management, and client relations. Known for reliability and focus on achieving results in dynamic environments.
Overview
7
7
years of professional experience
Work History
Director of Underwriting
River Financial Group
09.2020 - Current
- Led underwriting team to streamline processes, enhancing efficiency across all operations.
- Developed and implemented risk assessment strategies to ensure compliance and mitigate losses.
- Mentored junior underwriters, fostering professional growth and improving team performance.
- Established key performance indicators to monitor and improve underwriting accuracy and turnaround time.
Senior Underwriter
Silver Lake Financial
11.2019 - 09.2020
- Evaluated credit applications to assess risk and determine approval eligibility.
- Analyzed financial statements and credit histories to ensure compliance with lending policies.
- Developed efficient workflows for processing applications, improving turnaround time significantly.
- Mentored junior underwriters on best practices in credit analysis and decision-making processes.
- Conducted training sessions to elevate team knowledge on industry regulations and compliance standards.
Junior Underwriter (remote)
Silver Lake Financial
11.2018 - 11.2019
- Evaluated risk factors and underwriting guidelines to assess loan applications.
- Collaborated with senior underwriters to refine underwriting processes and improve efficiency.
- Analyzed financial documents for accuracy, ensuring compliance with regulatory standards.
- Reviewed policy terms and conditions to determine coverage eligibility for applicants.
- Coordinated with agents and clients to gather necessary documentation for underwriting decisions.
Education
Portland Community College
Portland, Oregon, ORSkills
- Strong decision-making
- Training and mentoring
- Project management
- Regulatory compliance
- Team leadership experience
- Underwriting strategy development
- Sales support capabilities
Timeline
Director of Underwriting
River Financial Group
09.2020 - Current
Senior Underwriter
Silver Lake Financial
11.2019 - 09.2020
Junior Underwriter (remote)
Silver Lake Financial
11.2018 - 11.2019
Portland Community College