Harry Munoz, Mba Email & Phone Number

Phoenix, Arizona, United States

Work Experience Information Technology Infrastructure Analyst: Responsible for designing, implementing, and maintaining an organization's information technology infrastructure, ensuring the reliability, security, and optimal performance of servers, networks, and other essential components. • Actively engaged in advancing risk management activities within IT enterprise, focusing on identifying and mitigating technical risks in a dynamic environment.• Instrumental in facilitating effective communication and collaboration across various departments, including technology leaders, technical specialists, and risk management professionals.• Played a pivotal role in the IT organization and helped to develop robust technology solutions and risk strategies.• Review, analyze, and conduct a risk analysis of current policies and procedures to provide reporting to executive leadership. • Key contributor in implementing and maintaining technology solutions, ensuring continuous improvement and adaptation to evolving business requirements.• Involved in change management for system artifacts, ensuring seamless integration and minimal disruption to ongoing processes.• Prepared comprehensive monthly, semi-annual, and annual financial reports for stakeholder meetings and presentations. • Ensured adherence to risk and compliance policies and procedures, effectively identifying and controlling business activity risks.

Work ExperienceApril 2012 - August 2022 USAA Phoenix, AZ Team Lead / Underwriter: • Team Lead / Underwriter for USAA providing service to military veteran members, families, and internal clients. • Review, analyze, and conduct a risk assessment of commercial properties, business entities, and clients' financial profiles.• Prepare loan offerings and evaluate the level of risk by determining the loan-to-value, collateral and guarantor strength, debt service coverage, and NOI for real estate construction and term loans ranging in size from $50,000 to $1,000,000.00.• Loans are underwritten in compliance with all rules and regulations and be eligible for sale on the secondary market.• Assist in loan closing activities, identifying and recommending actions for clients to limit risk factors.• Analyze appraisals and environmental reports, PNC Market Research reports, General Contractor financials and background, and the Borrower's ownership structure and cash flow to determine the deal's strength and assess risk factors.• Underwriting conforming and non-conforming residential mortgage loans in compliance with secondary market requirements to include Fannie Mae, Freddie Mac, and investor overlays.• In-depth knowledge of residential mortgage underwriting, including Fannie Mae and Freddie Mac guidelines.• Knowledge of multifamily, retail, industrial, and REIT transactions in the Southwest, West Coast, South, and East Coast markets. • Funded over 2000 loans in four years from 2019 to 2022.• Received Service award for being a top producer from 2019 to 2022.• Received 100% quality reports from 2019 to 2022 with no exceptions or error findings.• Regularly exceeded quarterly sales goals by 10-20%.

Jan. 1994-2013 Home Depot Peoria, AZ Department Manager: 85345• Supervised the purchase of materials and inventory, trained an average of 20-25 employees yearly, and provided conflict resolution for employees and customers; resulted in an increase of over 20% profits for the department from 2000-2006.• Awards: Received Employee of the year in 1998 and 2002 and received various customer service awards for outstanding service.

Managed commercial construction projects, doing takeoff and estimate, processing change orders, providing submittal information, ordering materials, coordinating construction crews, and processing proposals.Provided all the necessary paperwork to perform the work related to a specific job in order to proceed in a timely manner.Managed all job costs related to labor and materials and any incidentals that occur.Profits: Project Management supervision resulted in a 15% profit increase from all projects 2006 to 2008.

Assisted Home Buyer's with obtaining home loans, through setting up all necessary documents related to purchasing or refinancing of home mortgages and managed loan portfolio of over 25 million dollars, earn the title of Top Seller in 2006. Provided all the necessary documents and ensuring that all paperwork is properly done and following through the whole process from origination to escrow of personal home loans.Analyzed individual credit situations and providing the best alternative for a person to obtain a home loan.

Master Of Science Cybersecurity, Cyber/Electronic Operations And Warfare

• Projects: o System Firewall Analysis using NMAP/ Snort / PFSense classroom servers from Intrusion attacks. o Create Virtual Machines.

Master Of Business Administration - Mba, Management Information Systems And Services

• Projects: o Stakeholder Presentation to provide a summary to an audience via PowerPoint to identify a business problem, provide.

Bachelor Of Science - Bs, Finance, Real Estate And Law