Summary
Overview
Work History
Education
Skills
Certification
Personal Information
Languages
Timeline
Generic

Paul Diaz-Cobo

Summary

Highly motivated and detail-oriented professional with expertise in data analysis, portfolio file management, and process improvement. Adept at troubleshooting and resolving complex issues.

Overview

10
10
years of professional experience
1
1
Certification
2
2
Languages

Work History

QC Underwriter

Digital Risk
Remote
01.2022 - 08.2022
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment
  • Successfully identified credit worthiness and risk associated with borrowers based on income and asset documents
  • Utilized underwriting guidelines to review and assess high-value risks and potential misrepresentation
  • Analyzed appraisal reports for collateral value and irregularities.

Senior Underwriter III

Penny Mac
Tampa, FL
08.2019 - 12.2021
  • Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
  • Maintained profitable book of business with careful attention to standards, completing 60 files per month.
  • Tracked changes in underwriting guidelines issued by investors or agencies such as Fannie Mae or Freddie Mac.
  • Provided guidance and assistance to junior underwriters regarding loan underwriting processes and procedures.

Senior Jumbo Underwriter III

JP Morgan Chase
Tampa, FL
08.2016 - 09.2018
  • Analyzed financial statements and assets to determine ongoing cash flow to support loan repayment
  • Underwrote, managed and serviced a profitable book of business of 40 files per month
  • Developed strategies for minimizing losses due to credit defaults, liens or delinquencies.
  • Consulted with legal counsel when necessary to resolve complex issues or disputes

Portfolio Credit Underwriter

Sabadell Bank
Miami, FL
06.2015 - 07.2016
  • Determined appropriate risk rating based on analysis of borrower's financial profile.
  • Prepared written summaries outlining reasons for approving counter offering, or denying loan requests.
  • Monitored portfolio performance by analyzing delinquency trends, loss severity levels for high profile clients
  • Identified areas of potential risk associated with lending decisions.
  • Developed financial analysis reports and presentations by applying acquired financial principles.

Junior Credit Analyst

Savant Construction LLC
Miami, FL
01.2013 - 05.2015
  • Performed credit analysis and developed financial models to assess the creditworthiness of potential borrowers.
  • Conducted in-depth research on industry trends and company performance to evaluate the risk profile of clients.
  • Monitored borrower accounts for compliance with terms of loan agreements including payment schedules, interest rates, collateral requirements.
  • Negotiated payment plans with customers, achieving sales and cash flow objectives.

Education

Associates (AA) -

Union County College

Skills

  • Time Management
  • Detail Oriented
  • Financial Analysis
  • Risk Assessment
  • Production Goals
  • Data Integrity
  • Client Relations
  • Due diligence
  • Loss Mitigation
  • Policy Interpretation

Certification

  • Certified Residential Underwriter, Mortgage Banking Association, 10/01/21
  • Credit Risk Analysis and Rating, Udemy, 02/01/23
  • Financial Analysis for Credit, Corporate Finance Institute, 10/01/23
  • Asset Backed Securities and Securitization, ICMI, 09/01/22
  • Cash Management & Cash Flow Projections, MT Training & Consultancy, 09/01/22
  • Accounting & Financial Statement Analysis, 365 Careers, 03/01/23
  • Account Monitoring & Warning Signs, Corporate Finance Institute, 11/01/23
  • Assessing Management, Corporate Finance Institute, 11/01/23

Personal Information

Title: Credit Underwriter/Analyst

Languages

Spanish
Native/ Bilingual
Italian
Full Professional

Timeline

QC Underwriter

Digital Risk
01.2022 - 08.2022

Senior Underwriter III

Penny Mac
08.2019 - 12.2021

Senior Jumbo Underwriter III

JP Morgan Chase
08.2016 - 09.2018

Portfolio Credit Underwriter

Sabadell Bank
06.2015 - 07.2016

Junior Credit Analyst

Savant Construction LLC
01.2013 - 05.2015

Associates (AA) -

Union County College

Similar Profiles

CREATE PROFILE
Paul Diaz-Cobo