Samuel Nunez
Las Vegas
Summary
Results-oriented banking professional with 30 years of experience across sales, customer service, and mortgage underwriting. Expert in risk mitigation, loss prevention, and complex financial negotiations. Proven track record in managing delinquent loan portfolios and leading teams across multiple servicing sites to optimize productivity and compliance. Committed to delivering exceptional service while ensuring strict adherence to federal and state regulations.
Overview
17
17
years of professional experience
Work History
Underwriter, Modification Underwriting
PennyMac Loan Services
06.2020 - 01.2023
- Reviewed mortgage loan modification applications for accuracy and completeness while collaborating with compliance officers to ensure adherence to federal, state, and local laws.
- Analyzed risk exposure through data analytics and pricing tools to manage a profitable book of business.
- Evaluated renewals and premium history to determine necessary underwriting actions.
- Assisted clients in resolving outstanding documentation issues to facilitate loan processing.
Sr. Loan Specialist / Loss Mitigation Team Lead
PennyMac Loan Services
05.2014 - 06.2020
- Supervised a portfolio of delinquent loans and resolved high-level customer escalations across servicing sites in Texas, California, and Nevada.
- Optimized group productivity by delegating daily tasks and providing development coaching to team members.
- Educated customers on loss mitigation options including Loan Modifications, Short Sales, and Foreclosure processes.
- Collaborated with management to implement updated work procedures and risk management policies.
Workout Specialist III / Outreach Advocacy
Bank of America Home Loans
09.2013 - 05.2014
- Managed delinquent loan portfolios by coordinating with disposition specialists to cure accounts in a timely manner.
- Processed and researched loans for Quality Control and Underwriting review.
- Assisted Underwriters with income calculations and document validation.
Mtg Servicing Specialist II / Outreach Event Ops
Bank of America Home Loans
01.2009 - 09.2013
- Decisioned a full range of mortgage modifications, including GSE and GNMA loans, to prevent foreclosure.
- Provided debt counseling and led instructional workshops on foreclosure prevention for bank-sponsored events.
- Translated Spanish hardship letters to English for the underwriting team to ensure accurate file review.
Professional Driver
Uber / Lyft
01.2022 - Current
- Maintained a perfect safety record with zero on-road incidents while delivering high-quality customer service.
- Managed logistical efficiency by optimizing routes to reduce fuel expenditure and time.
Education
High School Diploma -
Chatsworth High School
US ARMY CERTIFICATE - Logistics Management
US ARMY 1992-2001
FT.LEONARDWOOD MO05-2001
Skills
- Financial Expertise: Mortgage Underwriting (GSE/GNMA), Risk Mitigation, Loss Mitigation, & Debt Counseling
- Leadership: Staff Development, Team Coaching, & Task Delegation
- Operations: Statistical Analysis, Compliance Management, & Process Improvement
- Communication: Bilingual Translation (Spanish/English), Conflict Resolution, & Public Speaking
Languages
Bilingual: English & Spanish
Timeline
Professional Driver
Uber / Lyft
01.2022 - Current
Underwriter, Modification Underwriting
PennyMac Loan Services
06.2020 - 01.2023
Sr. Loan Specialist / Loss Mitigation Team Lead
PennyMac Loan Services
05.2014 - 06.2020
Workout Specialist III / Outreach Advocacy
Bank of America Home Loans
09.2013 - 05.2014
Mtg Servicing Specialist II / Outreach Event Ops
Bank of America Home Loans
01.2009 - 09.2013
High School Diploma -
Chatsworth High School
US ARMY CERTIFICATE - Logistics Management
US ARMY 1992-2001
Employe of the Year 2018
PENNYMAC