SAMUEL NUNEZ
Financial Industry
LANCASTER,CA
Overview
16
16
years of professional experience
Summary
Seeking a position that allows me to leverage my accumulated skills and continue my professional development in the banking sector. As a seasoned professional with 30 years of experience in Sales, Customer Service, and Underwriting, I possess strong capabilities in statistical analysis, quoting, and negotiation. Proficient in drafting insurance policies and terms to manage risk and minimize loss. A diligent employee renowned for exceptional customer service, adept multitasking, and efficient time management, I am committed to ensuring a positive and memorable experience for every customer.
Work History
UNDERWRITER, MODIFICATION UNDERWRITING
PENNYMAC LOAN SERVICES
06.2020 - Current
- Review all mortgage loan modification applications and documentation for accuracy and completeness.
- Work with clients to prepare mortgage applications and related documentation as needed and help resolve any outstanding issues.
- Work with compliance officers to ensure federal, state, and local compliance of all mortgage and loan modification materials.
- Gather, analyze, and evaluate risk exposure through appropriate risk documentation.
- Adopt proactive actions and/or make proactive recommendations to improve.
- Underwrote, managed and serviced profitable book of business.
- Used data analytics and pricing tools to price policies and identify actionable insights for customers.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Gathered and analyzed information to determine risk acceptability.
SR LOAN SPECIALIST, LOSS MIT TEAM LEAD
PENNYMAC LOAN SERVICES
05.2014 - 06.2020
- Fostered positive employee relationships through communication, training, and development coaching.
- Delegated daily tasks to team members to optimize group productivity.
- Works efficiently with minimal supervision, assists Underwriters in reviewing and validating documents for completeness.
- Tasked with resolving customer complaints and escalations across three servicing sites within the Loss Mitigation/Modifications department.
- Provide assistance with calls escalated to supervisors in the Loss Mitigation Department across all locations: Dallas, TX; Moorpark, CA; and Summerlin, NV.
- I oversaw a portfolio of delinquent loans, collaborating with compliance officers to guarantee adherence to federal, state, and local regulations for all mortgage and loan modification documents.
- Informed customers about solutions and provided education on options including Repayment Plans, Special Forbearance, Loan Modifications, Short Sales, Deed in Lieu of Foreclosure, and Foreclosure processes.
- Responsible for managing risk, with Insurance Claims Loss Draft, and processing loans for modifications.
- Collaborated with management team to implement new work procedures or policies.
NATIONAL MORTGAGE OUTREACH NON EVENTS ADVOCAY NACA / WORKOUT SPECIALIST III
BANK OF AMERICA HOME LOANS
09.2013 - 05.2014
- Cultivated and maintained on going customer relationships
- Processing documents for Underwriters
- Managed portfolio of delinquent loans by working with loan modification and disposition specialist to determine solutions that will cure the accounts in a timely manner
- Presented customers with solutions, and educated customers on options, such as Repayment Plans, Special Forbearance, Modifications, Short Sales and Foreclosures
- Processing, Researching and, Preparing loans for QC & UW Imminent default & delinquent loans
- Works efficiently with minimal supervision, assist Underwriters in income calculations and validation of documents.
NATIONAL MORTGAGE OUTREACH EVENT OPS WEST/MTG SERVING SPECIALIST II
BANK OF AMERICA HOME LOANS
01.2009 - 09.2013
- Decisions full range of mortgage loan modifications, preferably including GSE/ GINNE MEA loans
- Responsible for servicing and modifying default Mortgage loans, to prevent foreclosure of Customers Homes including Homes Affordable Mortification Program and Traditional/Investor offered Modification
- Provide debt counseling, Outcome Services, and Transitional Servicing to customers at Bank Sponsored Events
- Works efficiently with minimal supervision, assist Underwriters in income calculations and validation of documents
- Perform Instructional Workshops for customers at Bank Sponsor Events regarding Foreclosure Prevention and the events proceedings
- Work with underwriting team in translating hardship letters from Spanish to English, and on guidelines for both Non GSE & GSE loans.
Education
E-4 Specialist -
United States Army
01.2001
High School Diploma -
Chatsworth High School
01.1992
Skills
- Commitment to teamwork
- Bilingual: Read, Write, and Speak Spanish
- Ability to work in fast-paced, high volume environment
- Excellent problem-solving skills
- Strong organizational skills
- Managing risk
- Influencing business growth
- Risk Mitigation
- Financial Management
- Business Administration
- Staff Development
Work Preference
Work Type
Full TimeWork Location
HybridRemoteOn-SiteImportant To Me
Career advancementPaid time offStock Options / Equity / Profit Sharing401k matchPaid sick leaveWork from home optionWork-life balancePersonal development programsFlexible work hoursCompany Culture4-day work weekHealthcare benefitsTeam Building / Company RetreatsLanguages
Spanish
Native/ Bilingual
Timeline
UNDERWRITER, MODIFICATION UNDERWRITING
PENNYMAC LOAN SERVICES
06.2020 - Current
SR LOAN SPECIALIST, LOSS MIT TEAM LEAD
PENNYMAC LOAN SERVICES
05.2014 - 06.2020
NATIONAL MORTGAGE OUTREACH NON EVENTS ADVOCAY NACA / WORKOUT SPECIALIST III
BANK OF AMERICA HOME LOANS
09.2013 - 05.2014
NATIONAL MORTGAGE OUTREACH EVENT OPS WEST/MTG SERVING SPECIALIST II
BANK OF AMERICA HOME LOANS
01.2009 - 09.2013
E-4 Specialist -
United States Army
High School Diploma -
Chatsworth High School
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