Carlos J R.

Experience

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  Popular

  Feb 2007 - Jul 2021

  Evaluated credit applications from both BPNA (California, Texas, New York, New Jersey, and Florida) and BPPR with a volume of $4M per month and complied with quality and production metrics. Guided two underwriters. •Selected for a pilot program of ‘White Label’ using new credit evaluation tools to be used later as the regular platform; performed UATs for Provenier & Credit Portal web-based credit analysis tools.•Collaborated in new projects to enhance efficiency resulting in substantial time savings. •Helped in the unification of credit policies to standardize the evaluation processes. Show less Evaluated 125+ cases per week from personal loans, credit cards, credit lines, home equity lines of credit, and home equity loans, among other products for individual clients, which involved the assessment of application packages (income, credit scores, debt to income ratios, and indicated employment). Oversaw applications from branches in South Florida, New York, and New Jersey according to banking, state, and federal rules.•Participated in the ‘Eagle Project’ where amendments in policy and the location of the underwriting were going to change from Continental U.S. to Puerto Rico.•Completed a training program on new credit evaluation tools like Credit Revue, Banker’s Insight, and OnBase as well as Oracle Training and NMLS validation.•Collaborated in several pilot programs using new credit evaluation tools to be used later as the regular platform; performed UATs for Provenier & Credit Portal web-based credit analysis tools. Show less Managed 200+ cases per week for personal loans, credit cards, and credit lines, among other products, for individual clients. Validated applications qualified according to the stated bank policies as well as federal regulations.•Exceeded quality and production metrics earning the ‘Professional Growth Award’.•Selected for the Jr. Credit Officer pilot program to minimize the rework of credit applications due to income adjustment after evidence was received. •Granted loaning to rework applications that were sent as a reconsideration request from customers to validate if they comply with company policy and if qualification was possible. Show less Worked 40+ daily applications to verify employment via phone calls and The Work Number website as well as adjusted income with received evidence like paystubs, financial statements, tax returns, social security income letters, and more to validate that the applicants qualified for the requested credit as per bank policies. • Considered for the pilot program of income and employment verification to relieve the workload.• Worked as a sales consultant for the first three years. Sold and promoted services to individuals, such as IRA accounts, check/savings accounts, credit cards, and personal loans, among others, assisting over 60 calls per day. Improved the booking process. Met sales, quality control, and service metrics. Show less

  • Senior Underwriter

    Jul 2018 - Jul 2021

  • Underwriter

    Aug 2014 - Jul 2018

  • Credit Officer & Jr. Credit Officer

    Apr 2012 - Aug 2014

  • Income & Employment Verification/Sales Consultant & Support

    Feb 2007 - Apr 2012
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  ENIUM

  Jul 2021 - Dec 2022

  Senior Underwriter

  Managed a portfolio of up to $20M in loans for a company that provided solar power systems for clients in Puerto Rico and the US, with a volume of 25 to 40 daily applications. Worked with Slack, SalesForce, Google Sheets, and Docs as well as Microsoft Office Suite to track, evaluate, and report weekly performance and production. •Contributed to a structured and lean department by improving the recruiting and training functions to form high-performance and engaged teams, and reinforced analysis and case management skills. Created interview criteria to be used during the interview process. •Established a tracking tool to monitor, becoming a standard in the underwriting department. •Performed beta testing of a new in-house evaluation system to be integrated for external and internal use.•Developed a spreadsheet to present the criteria list by each financial institution. Show less

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  HORNE

  Jan 2023 - Feb 2024

  Senior Underwriter

  Perform underwriting and credit analysis functions for a federal grant with $98M in funds to help small and medium farms in Puerto Rico to expand their operations and ensure profitability and efficiency.•Assess the sustainability of businesses and ensure the documentation package (tax returns, financial statements, and business proposals) is complete, reliable, accurate, and compliant. •Provide recommendations to optimize the systems, improve documentation management, and streamline procedures, since the production has tripled compared to the previous contractor. Review and evaluate three to four daily applications (previously it was two to three per week).•Leverage technology tools, such as Zoom, OnBase, Canopy, Google Sheets, and Docs as well as Microsoft Office 365 to track, evaluate, and report daily performance and production. •Work with internal and external customers to facilitate the procedures and move the applications forward. Show less

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  Citizens Inc.

  Feb 2024 - now

  Senior Manager