Syra Casas
Phoenix,AZ
Summary
Dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
22
22
years of professional experience
Work History
Mortgage Underwriter 4
Wells Fargo
Phoenix, AZ
11.2018 - 07.2023
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines
- Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Met 30 days turn time consistently, turning around applications quickly with firm approval or denial decisions
- Approved loan applications based on customer creditworthiness and provided detailed financial advice
Senior Mortgage Underwriter
JP Morgan Chase
Phoenix, AZ
10.2013 - 10.2018
- Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Verified integrity of applicants' information to minimize fraud
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies
Mortgage Loan Processor - Team Lead
JP Morgan Chase
Phoenix, AZ
02.2010 - 09.2013
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Handled any conditions sent from underwriting departments.
- Communicated with originator and applicant concerning progress of loan file.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies and government clerks.
- Completed denial and cancellation procedures on applicable files.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 50 monthly applications.
- Assisted management with special projects to complete all tasks by deadlines.
- Coordinated and scheduled meetings and appointments to keep organization running smoothly.
- Managed supervisor itinerary and appointments and streamlined scheduling procedures.
Credit Card Underwriter/Operations Associate Manager
JP Morgan Chase
Tempe, AZ
10.2007 - 01.2010
- Created and maintained precise and accurate models, charts and reports.
- Monitored and analyzed financial, statistical and operational data trends.
- Presented results of financial analyses to clients verbally and in written form.
- Improved financial status by analyzing results, monitoring variances and recommending actions to various departments (Fraud, Credit Line Increases and Bust Out).
- Kept pace with economic, industrial and corporate developments impacting clients' financial wellbeing.
- Made decisions and recommendations about extending lines of credit for over 100 applications per day.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations
- Exercised leadership capabilities by successfully motivating and inspiring others
- Supervised operations team to support operational excellence and excellent customer service.
- Implemented project management techniques to overcome obstacles and increase team productivity.
Office Manager
C2 Companies
Tempe, AZ
11.2001 - 09.2007
- Updated reports, managed accounts, and generated reports for company database.
- Managed office operations while scheduling appointments for department managers.
- Developed and maintained successful relationships with vendors, suppliers and contractors.
- Coordinated special projects and managed schedules.
- Assisted in organizing and overseeing assignments to drive operational excellence.
- Used software to coordinate meetings, appointments, and tasks senior executives.
- Managed executive calendars, scheduling meetings and appointments and coordinating travel arrangements to optimize time.
- Gathered documents, data and formulated analytics to prepare issues for discussion and reports for review.
- Handled confidential and sensitive information with discretion and tact.
- Screened calls and emails and responded accordingly to support executive correspondence.
- Organized and coordinated conferences and monthly meetings.
Education
High School Diploma -
Paradise Valley High School
Phoenix AZ Associate of Applied Science - Small Business Administration And Management
Maricopa Community Colleges - Glendale Community College
Glendale, AZBachelor of Science - Accounting And Finance
Arizona State University
Tempe, AZSkills
- Analytical and Critical Thinking
- Networking and Partnership Development
- Sales Tracking
- Corporate Financial Statements
- Financial History Analysis
- Loan Restructuring
- Underwriting Regulations
- Government Lending
- Complex Problem-Solving
- Credit Risk Analysis
- Cash Flow Analysis
- Data Analysis
- Lending Regulations
- Debt-To-Income Ratios
- Commercial Lending
- Annual Reviews
- Operation Monitoring
- Staff Management
- Progress Monitoring
- Staff Monitoring
- Business Needs Analysis
Timeline
Mortgage Underwriter 4
Wells Fargo
11.2018 - 07.2023
Senior Mortgage Underwriter
JP Morgan Chase
10.2013 - 10.2018
Mortgage Loan Processor - Team Lead
JP Morgan Chase
02.2010 - 09.2013
Credit Card Underwriter/Operations Associate Manager
JP Morgan Chase
10.2007 - 01.2010
Office Manager
C2 Companies
11.2001 - 09.2007
High School Diploma -
Paradise Valley High School
Associate of Applied Science - Small Business Administration And Management
Maricopa Community Colleges - Glendale Community College
Bachelor of Science - Accounting And Finance
Arizona State University