Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Paul Diaz-Cobo

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company.

Overview

8
8
years of professional experience

Work History

Junior Credit Analyst

Savant Construction LLC
11.2022 - 02.2024
  • Prepared informative presentations for management regarding key insights gleaned from credit analysis activities for 12 files per month.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.

Quality Control Underwriter

Digital Risk Mortgage Services
01.2022 - 08.2022
  • Evaluated credit risk associated with borrower profiles by conducting thorough financial analyses using various tools.
  • Conducted comprehensive reviews of 30 loan files per month, verifying compliance with company guidelines and federal regulations.
  • Performed root-cause analysis on problem loans, developing solutions to prevent future issues from arising.

Senior Mortgage Underwriter III

Penny Mac Mortgage
08.2019 - 12.2021
  • Balanced competing priorities and managed a profitable book of business with an average 60 files per month consistently meeting or exceeding performance metrics for approval rate, turnaround time, and loan quality.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and Bank statements.
  • Maintained mortgage program compliance with federal agencies such as VA, FNMA, FHLMC, HUD.

Senior Jumbo Underwriter III

JPMorgan Chase
01.2016 - 09.2018
  • Analyzed credit, income, compliance, title documents, and appraisals servicing a book of business of 40 files per month.
  • Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
  • Made approval and denial recommendations by determining accurate risk levels.

Education

Associate of Arts -

Union County College
Cranford, NJ

Skills

  • Strong Communication Skills
  • Financial statement analysis
  • Cash Flow Forecasting
  • Banking operations knowledge
  • Credit Scoring Models
  • Microsoft Excel proficiency

Languages

Spanish
Native or Bilingual

Timeline

Junior Credit Analyst

Savant Construction LLC
11.2022 - 02.2024

Quality Control Underwriter

Digital Risk Mortgage Services
01.2022 - 08.2022

Senior Mortgage Underwriter III

Penny Mac Mortgage
08.2019 - 12.2021

Senior Jumbo Underwriter III

JPMorgan Chase
01.2016 - 09.2018

Associate of Arts -

Union County College

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Paul Diaz-Cobo