Daniel Orozco Email & Phone Number

Newtown, Pa 18940

● Evaluate, analyze, and underwrite 5-6 loan packages daily to determine program qualification based on credit and collateral documentation to ensure investment-quality loan products and seek feedback from the appraisal department on any questionable collateral ● Check the accuracy of all calculations and analyze debt service coverage ● Consult with processing and funding department(s) to ensure all underwriting conditions are met before loan closing. ● Assists with curing deficiencies in loan files due to failure to meet investor and Company guidelines. ● Maintains accuracy and competency in utilizing the Company’s system of record for automated underwriting of loan files. ● Communicates loan decisions verbally and in writing in the format approved by the Company. ● Exercises discretion and utilizes exceptional analytical abilities to detect documentation and information discrepancies to protect the Company from fraudulent practices. ● Responsible for prudent and timely underwriting of loans by Company and investor guidelines by ensuring that Company turn times are met and/or exceeded. ● Signs off on conditions by policies and procedures as set by the credit officer. ● Perform appraisal reviews and work closely with in-house appraisal staff to perform secondary/desk reviews. ● Remains up-to-date and informed on all regulations and requirements as well as company guidelines and overlays. ● Works closely with underwriting management to resolve questions/issues. ● Continuously maintained the company's high standards for delivery of integrity, client focus, teamwork, and respect for everyone in every interaction.

Sacramento, California, United States

● Monitor and manage 3 Jr. processors/ 3 Jr. underwriters and make recommendationsfor accuracy and quality measurements on all loan submissions.● Collaborate with the Sr. Underwriter, Senior Servicing Manager, and staff typically toensure all commercial, industrial, and residential submissions are funded on schedule● Recognizing and resolving all condition delays while providing underwriting support● Review and underwrite 20-25 commercial, residential, and small business loanapplications daily to determine creditworthiness based on credit, financial data, history,payment habits, patterns, and documents provided to determine the customer's riskbased on assets, collateral, employment/company records, corporate tax returns,income, and financial statements to issue final approval on the loan application.● Provide pipeline report twice a month to operations manager● Assist the servicing department with collecting homeowners' mortgage payments andpassing on those payments to investors, tax authorities, and insurers, often throughestablished escrow accounts● (Quality Control Audit) 15-20 funded files. Searching for any threat to operationalloss or organizational breakdown due to failed internal processes, human error, or badpolicies, system failures, or external events● Communicating and corresponding with the loan officers/vendors/insurance agentsand customers through 80-90 phone calls per day● Review all new insurance applications and gather information for all lines of coverageto determine risk factors and work directly with underwriters to obtain approval● In charge of endorsement changes, renewals, and corrections on all existing policieswhile issuing all quotes to clients, brokers, and agents● Responsible for responding to all internal and external inquiries through email andphone calls from 12 license states.

El Dorado Hills, California, United States

● Monitor and manage 5 Jr. processors/j Jr. underwriters and make recommendationsfor accuracy and quality measurements on all loan submissions.● Collaborate with the Sr. Underwriter, Senior Servicing Manager, and staff typically toensure all commercial, industrial, and residential submissions are funded on schedule● Recognizing and resolving all condition delays while providing underwriting support● Review and underwrite 30-35 commercial, residential, and small business loanapplications daily to determine creditworthiness based on credit, financial data, history,payment habits, patterns, and documents provided to determine the customer's riskbased on assets, collateral, employment/company records, corporate tax returns,income, and financial statements to issue final approval on the loan application● Provide pipeline report twice a month to operations manager● Assist the servicing department with collecting homeowners' mortgage payments andpassing on those payments to investors, tax authorities, and insurers, often throughestablished escrow accounts● (Quality Control Audit) 25-30 funded files. Searching for any threat of operational lossor organizational breakdown due to failed internal processes, human error, bad policies,system failures, or external events● Communicating and corresponding with the loan officers/vendors/insurance agentsand customers through 80-90 phone calls per day● Review all new insurance applications and gather information for all lines of coverageto determine risk factors and work directly with underwriters to obtain approval● In charge of endorsement changes, renewals, and corrections on all existing policieswhile issuing all quotes to clients, brokers, and agents● Responsible for responding to all internal and external inquiries through email andphone calls from 18 license states.

Carmichael, California, United States

● Monitor and manage 9 Jr. processors/ Jr. underwriters and make recommendationsfor accuracy and quality measurements on all loan submissions.● Collaborate with the Sr. Underwriter, Senior Servicing Manager, and staff typically toensure all commercial, industrial, and residential submissions are funded on schedule● Recognizing and resolving all condition delays while providing underwriting support● Review and underwrite 30-35 commercial, residential, and small business loanapplications daily to determine creditworthiness based on credit, financial data, history,payment habits, patterns, and documents provided to determine the customer's riskbased on assets, collateral, employment/company records, corporate tax returns,income, and financial statements to issue final approval on the loan application.● Provide pipeline report twice a month to operations manager● Assist the servicing department with collecting homeowners' mortgage payments andpassing on those payments to investors, tax authorities, and insurers, often throughestablished escrow accounts● (Quality Control Audit) 25-30 funded files. Searching for any threat of operational lossor organizational breakdown due to failed internal processes, human error, bad policies,system failures, or external events● Communicating and corresponding with the loan officers/vendors/insurance agentsand customers through 80-90 phone calls per day● Review all new insurance applications and gather information for all lines of coverageto determine risk factors and work directly with underwriters to obtain approval● In charge of endorsement changes, renewals, and corrections on all existing policieswhile issuing all quotes to clients, brokers, and agents● Responsible for responding to all internal and external inquiries through email andphone calls from 28 license states.