Sophia Oroquita
Pittsburg,CA
Summary
Seasoned Indirect Underwriter and Auditor with a proven track record at Bank of the West, BNP Paribas, enhancing creditworthiness assessments and risk management. Expert in negotiation and caseload management, I have significantly influenced business growth through meticulous policy development and financial analysis.
Overview
18
18
years of professional experience
Work History
Indirect Underwriter
BMO
San Ramon, California
02.2023 - Current
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
Indirect Ubderwriter
Bank of the West, BNP Paribas
San Ramon, California
04.2012 - 02.2023
- Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
Auditor/Loan Funder
Bank of the West, BNP Paribas
San Ramon, California
04.2010 - 04.2012
- Reviewed and evaluated internal control systems, financial records, and accounting systems to ensure accuracy of information.
- Analyzed financial data and prepared reports outlining findings and recommendations.
- Conducted risk assessments to identify potential areas of fraud or non-compliance.
Account Maintenance Specialist
Bank of the West, BNP Paribas
San Ramon, California
04.2007 - 04.2010
- Conducted regular audits of customer accounts to ensure accuracy in account information and transactions.
- Analyzed customer account data to identify trends, discrepancies, and opportunities for improvement.
- Researched and resolved customer inquiries related to account maintenance issues.
Education
High School Diploma -
Olympic High School
Concord, CA06-1984
Skills
- Negotiation proficiency
- Quoting and pricing policies
- Developing policies
- Influencing business growth
- Caseload Management
Timeline
Indirect Underwriter
BMO
02.2023 - Current
Indirect Ubderwriter
Bank of the West, BNP Paribas
04.2012 - 02.2023
Auditor/Loan Funder
Bank of the West, BNP Paribas
04.2010 - 04.2012
Account Maintenance Specialist
Bank of the West, BNP Paribas
04.2007 - 04.2010
High School Diploma -
Olympic High School