Financial Services Tax Returns

Michael Ojeda

SITUSAMC - SR. Underwriter

**** **** *** ***** *****, FL 33139

ad8r90@r.postjobfree.com – 786-***-****

Seeking a Challenging Position in Financial Services.

English/Spanish

Specific Qualifications

Jumbo

FHA

WORK EXPERIENCE

Remote – SR. Underwriter

Situs American Mortgage Consultant Jan 2020 to Present

Review loan files for completeness and accuracy including but not limited to, calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, VOE, tax returns, divorce decrees, and other loan pertinent compliance documentation.

Underwrite Conventional, FHA, VA, Jumbo, Alt A, Single Family, Condo’s, Townhome, 2-4 units, and income producing properties.

Analyze income for C-Corps, S-Corps, K-1, Partnerships, Sole Proprietors, Commissioned. Pension, Social Security, and Wage Earner.

Performed appraisal reviews and recommends additional requirements needed for risk to adhere company guidelines.

Produced productivity and quality standards reports on junior level underwriters and provided second level reviews on complex files and credit exceptions.

Responds to company, individual, and investor audits and assist with fraud detection and prevention.

Perform federal compliance audit including, but not limited to initial disclosures, RESPA, TILA, MDIA, ECOA, HMDA, Fair lending and UDAAP, Patriot Act, Flood Act, and Fact Act.

Remote SR. Underwriter - iQA Specialist

Indecomm Global Services Sept 2014 to Dec 2019

Analyze assets statements for all types of asset accounts

Analyzed based on personal tax returns, W-2’s paystubs, business tax returns, property operating statements, rent rolls, schedule of real estate-owned and CPA reviewed financial statements.

Validated data accurately and efficiently maintained a pipeline of loan file audit/review inventory, met production requirements, and communicated status to management.

Comprehensive review of appraisal report.

Review documents and data in the client’s origination, processing and closing systems to ensure they meet requirements and set standards of quality.

Meet daily production requirements for review of loans as agreed upon with manager.

Reconcile findings with published guidelines to address/resolve variances.

Perform federal compliance audit including, but not limited to initial disclosures, RESPA, TILA, MDIA, ECOA, Patriot Act, Flood Act, and Fact Act.

Audit loan files for completeness and accuracy based on the client’s approved set of audit criteria.

Review documents and data in the client’s origination, processing and closing systems to ensure they meet requirements and set standards of quality.

Credit Analyst II

Randstad Staffing Aug 2012 to Aug 2014

Analyzed complex debt, including real estate (CRE) and C&I, with maturities spanning one year to multiple years.

Performed complex financial analysis, identified risk and interpreted data for Relationship Manager’s use in rendering sound underwriting decisions.

Analyzed based on personal tax returns, business tax returns, property operating statements, rent rolls, schedule of real estate owned, and CPA reviewed financial statements.

Prepared and analyzed loan presentations to recommend requests to Senior Loan Officer or Loan Committee.

Recommended loan structure and covenants to department manager.

Monitored account performance to ensure compliance with internal credit review and regulatory policy.

Effectively managed risk by determining creditworthiness of commercial loan applicants; analyzed range of financial data, including balance sheets, income / cash flow statements, budgets, and projections.

Authored credit presentations for loans to commercial organizations in industrial, real estate, and construction industries; loans ranged from $5M to $15M.

Established credit presentation template that improved efficiency, streamlined workflow, and enhanced standardization.

EDUCATION

BA in Finance

University of Phoenix

ADDITIONAL INFORMATION

Proficient with Microsoft Office Package: Excel, Word, PowerPoint, Access, and Outlook.

Excellent analytical, interpersonal and communication skills.

8+ years of credit analysis, financial operations and sales experience.

Extensive knowledge of financial services and operations.

Ability to quickly adapt to changes, excellent problem-solving skills, experienced in all aspects of customer service,

able to handle multiple tasks simultaneously, self-motivated, team player, well organized and detail oriented.

Contact this candidate