Polly Cruz
Summary
Experienced Government Underwriter with a demonstrated ability in effective communication, team development, mentoring, and training.
Overview
11
11
years of professional experience
Work History
Senior Mortgage Loan Originator
DG Pinnacle /Encompass Mortgage Services /Paramount Residential Mortgage Group
01.2023 - Current
- Collect and analyze financial data (e.g
- Taxes, debts)
- Evaluate creditworthiness and eligibility for obtaining a mortgage loan
- Interview clients
- Guide clients through mortgage loan options
- Prepare and submit mortgage loan applications to loan processing
- Ensure data are in line with national and local financial rules
- Monitor and report on application processes
- Inform clients about loan approval or rejection
- Help resolve problems with applications
- Research new mortgage loan policies
- Build a supportive referral network (e.g
- With clients, lenders, real estate agents).
Remote Sr. Underwriter-Credit Risk Analyst
Mid America Mortgage
06.2021 - 09.2022
- Perform a comprehensive analysis of financial statements, business/personal tax returns, credit risk, collateral, and assets to determine client credit creditworthiness
- Assured loan application complied agency guidelines, and regulatory requirements
- Assess credit risks associated with applicant requests, determined repayment abilities, and issued timely credit decisions within allocated timelines as outlined by management
- Work closely with staff and managers to provide financial analysis recommendation, alternatives and solutions as required by Management or Regulators
- Provide expertise, support training and overseeing staff loan assignments, quality of work for compliance with agency, regulators, and management requirements
- Provided hands-on mentorship, progress feedback, and reported findings and recommendation to Senior Management
- Stay abreast of agency credit updates, credit trends and industry business failures by following internal metrics and third-party credit information services and other database programs (Lexis-Nexis & Duns Bradstreet)
- Assist senior management with preparing monthly productivity and new client performance reports
- Review and resolve individual and investor audits with minimal pended loan files.
Remote Sr. Underwriter-Credit Risk Analyst
Paramount Residential Group
08.2020 - 12.2020
- Perform a comprehensive credit review, collateral, income, and assets to determine borrower’s eligibility in compliance with agency guidelines, and regulatory requirements with Respa and Fair Housing
- Render weekly credit decisions by analyzing 20 + income financial statements, cash flow, credit risk to extend loan approval and credit lines
- Collaborated with credit associates to inform credit exchange information on clients, report risks in lending money and provided recommendation and/or solutions for non-conforming loan application
- Review individual and investor audits with minimal pended loan files
- Stay abreast of agency credit updates, credit trends and industry business failures by following internal metrics and third-party credit information services and other database programs (Lexis-Nexis and Duns & Bradstreet)
- Review individual and investor audits with minimal pended loan files.
Remote Sr. Underwriter-Credit Risk Analyst
Panorama Mortgage Group – Alterra Home Loans
07.2015 - 06.2020
- Perform a comprehensive analysis of financial statements, business/personal tax returns, credit risk, collateral, and assets to determine client credit creditworthiness
- Assured loan application complied agency guidelines, and regulatory requirements
- Assess credit risks associated with applicant requests, determined repayment abilities, and issued timely credit decisions within allocated timelines as outlined by management
- Work closely with Loan Officers, Loan Processors and Production Managers to provide recommended alternatives and solutions for non-conforming loans
- Stay abreast of agency credit updates, credit trends and industry business failures by following internal metrics and third-party credit information services and other database programs (Lexis-Nexis & Duns Bradstreet)
- Review individual and investor audits with minimal pended loan files.
Remote Sr. Underwriter-Credit Risk Analyst
Stonegate Mortgage
07.2013 - 04.2015
- Perform a comprehensive credit review, collateral, income, and assets to determine borrower’s eligibility in compliance with agency guidelines, and regulatory requirements with Respa and Fair Housing
- Render credit decisions of a minimum of 2-3 new loan files and 5-10 resubmission condition loan files per day
- Work closely with Loan Officers, Loan Processors and Production Managers to provide recommended alternatives and solutions for non-conforming loans
- Review individual and investor audits with minimal pended loan files.
Education
Skills
- Encompass
- Loan Quest
- MS Office
- Word
- Excel
- Access
- Oracle
- Dun & Bradstreet
- Experian
- Equifax systems
- Lexis-Nexis systems
Timeline
Senior Mortgage Loan Originator
DG Pinnacle /Encompass Mortgage Services /Paramount Residential Mortgage Group
01.2023 - Current
Remote Sr. Underwriter-Credit Risk Analyst
Mid America Mortgage
06.2021 - 09.2022
Remote Sr. Underwriter-Credit Risk Analyst
Paramount Residential Group
08.2020 - 12.2020
Remote Sr. Underwriter-Credit Risk Analyst
Panorama Mortgage Group – Alterra Home Loans
07.2015 - 06.2020
Remote Sr. Underwriter-Credit Risk Analyst
Stonegate Mortgage
07.2013 - 04.2015
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