Summary
Overview
Work History
Education
Skills
Timeline
Generic

Samuel Guzman

Laveen,AZ

Summary

Accomplished Senior Mortgage Underwriter at Discover Bank/Capital One, skilled in credit analysis and risk assessment. Proven track record of enhancing loan approval processes while mentoring junior underwriters. Adept at negotiating mortgage terms to optimize profitability, demonstrating strong decision-making and effective communication in high-pressure environments.

Overview

14
14
years of professional experience

Work History

Senior Mortgage Underwriter

Discover Bank/Capital One
06.2023 - Current
  • Analyzed financial data, such as income statements, balance sheets, and tax returns to determine applicants' eligibility for mortgage loans.
  • Negotiated terms of mortgages when appropriate to maximize profits while minimizing risk exposure.

Mortgage Underwriter 4

Wells Fargo Home Mortgage
03.2020 - 06.2023
  • Developed relationships with external partners such as real estate agents and lenders.
  • Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
  • Provided support and guidance to junior underwriters and other team members.

Mortgage Underwriter 3

US Bank Home Mortgage
09.2016 - 03.2020
  • Assessed risk levels associated with each loan application based on established criteria.
  • Reviewed and analyzed loan applications for completeness and accuracy.
  • Collaborated with cross-functional teams on special projects involving underwriting initiatives.
  • Consulted with other departments regarding complex loan applications.

Consumer Loan Underwriter 3

Wells Fargo Home Mortgage
10.2011 - 09.2016
  • Provided guidance to internal staff on complex underwriting questions or issues related to consumer loans.

Education

Bachelor of Science - Global Business Management with concentration in Financial Management

Arizona State University
Phoenix, AZ
05.2008

Skills

  • Credit analysis
  • Document verification
  • Mortgage negotiation
  • Risk assessment
  • Automated underwriting systems
  • Regulatory compliance
  • Financial analysis
  • Deadline management
  • Attention to detail
  • Problem solving
  • Team leadership
  • Effective communication
  • Decision making
  • Jumbo and super jumbo loans
  • Financial analysis proficiency
  • Debt-to-income ratios
  • Fraud detection
  • Residual incomes
  • Income calculation accuracy
  • Strong decision-making
  • Credit risk assessment
  • Collateral evaluation
  • Tax return analysis
  • Policy adherence awareness
  • Mortgage industry awareness
  • Loan origination software
  • Mentorship
  • Relationship building
  • Work Planning and Prioritization
  • Coaching

Timeline

Senior Mortgage Underwriter

Discover Bank/Capital One
06.2023 - Current

Mortgage Underwriter 4

Wells Fargo Home Mortgage
03.2020 - 06.2023

Mortgage Underwriter 3

US Bank Home Mortgage
09.2016 - 03.2020

Consumer Loan Underwriter 3

Wells Fargo Home Mortgage
10.2011 - 09.2016

Bachelor of Science - Global Business Management with concentration in Financial Management

Arizona State University

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