Jose E. Hernandez Email & Phone Number

Flower Mound, Tx, Us

Plano, Texas, United States

Senior underwriter assigned to underwrite complex loans for single family, multi-family and condominiums/Cooperatives. Asset based income, Self-employed/Tax returns review for partnerships and SCORP/CCORP, Financial statement review, restricted stock income analysis, asset liquidity analysis, ratio analysis, new construction real estate transactions, Affordable housing programs. Exception base approvals, assigned as coach and mentor to the level three Underwriters. • Manage my pipeline to keep loans within acceptable turn times. • Call Sales and answer questions and concerns regarding loan issues. • Coach and mentor level three underwriters. • Coach and mentor loan processors/Jr Underwriters• Employee Engagement Council Member. Address employee concerns regarding voice of the employee surveys to senior management. • Maintain authority of up to 2,000,000.00• Perform decline audit with Sales for possible counter-offers, restructures, or exceptions• Safe Act: loan originator number NMLS#738971• Exposure to FHA lending guidelines and parameters• Successfully kept error rates below 1% for rolling 12 month period while keeping loan decisions within 24 hours.

Irving, Texas

Lead a team of 17 mortgage underwriters ensuring that regulatory compliance, credit policy and underwriting efficiencies are adhered to. (Citi Stars Award winner for overall excellence in team management and the junior underwriting program.). Perform pipeline management of underwriting queues, maintaining loan turn-times within 24/48 hours.  Create compliance reports to underwriting staff and management to maintain quality defects below 5%.  Effective Liaison between sales and Underwriting, resolving presidential escalations by revisiting credit policy and underwriter’s interpretation of the policy.  Acted as a project manager and spearheaded a junior underwriters program to improve underwriter efficiencies. Reduced underwriting time-frames on average by 5-8 minutes per loan.  Maintain signing authority of $1,000,000.00 and perform all duties of mortgage underwriter listed below. Perform audit review of decline loans before final decline for any restructure possibilities. Mortgage Underwriter/Credit Analyst (2005-2010): Analyze loans, mitigate risk, and approve/decline mortgage products within our retail/direct to consumer, and wholesale lending channels. A-Team award winner for 01/2007 and 04/2008 for exceptional quality audits with an average score at 98% and higher for over a 12 month period.  Performed various debt- to-income and loan-to-value ratio analysis to warrant risk exposure.  Perform Condo/PUD review to warrant project eligibility (Limited or Full Review). Review insurance for sufficient coverage blanket policy and HO6. Review P&L and Budget to warrant project Continuance.

Denton County, Texas, United States

Solicited, processed, pre-approved, and closed various loan products which include: Home equity, auto, boat, and personal loans which generated about 30% of the Branch loan volume averaging $170,000.00 in monthly loan volume. Performed debt- to-income and loan-to-value ratio analysis to warrant a customer loans. Responsible for accounts receivable/collections. Reviewed 30-90 day past due accounts. Called, collected, and posted payments. Performed cost/benefit analysis of loan for renewal and extension of credit. Effectively managed Cash Management by reconciling Teller’s cash drawer activities and completed nightly deposits at local bank. Performed collateral valuation Analysis to determine maximum risk exposure and loan closing functions and recordation of legal instruments. Accommodated clients with bank products to meet their financial needs.

Effective liaison between Customers and the Business, resolving customer complaints and disputes. (Awarded employee of the month 02/2000 and 04/2003 for customer service excellence). Performed credit utilization and performance analysis to warrant emergency credit line increasesReconciled Payment analysis for penalty fees assessed in error to justify customer credits.Analyzed and re-calculated Interest & Billing for amended balances due to removed items and fees.  Acted as unit manager leading teams of up to 20 customer service representatives performing monthly audits on customer service representatives to ensure high standards of customer service and maintaining average call quality above 95%. Acted as project manager on a database conversion project which allowed for a smooth transition between customer service software.Successfully performed all necessary functions of customer service

Bedford, Texas

Administered Extended Warranties for electronics and appliances, and led a team of 17 individuals in customer service. (Awarded employee of the Month for 08/1997). Performed monthly quality customer service audits and presented monthly scorecards to representatives coached and evaluated customer representative performance maintaining quality above 90% and average talk-time to about 5 minutes.  Responsible for handling customer escalations regarding services and performed all functions of customer service. As part of managing Accounts payable, reviewed claims invoices from vendors for accuracy and processed payments per stated thresholds and guidelines.  Acted as project manager to improve the efficiency of RS400 (RUMBA) Database collaborated with IT to add new fields to make screens user friendly and reduce average talk-time by 30 seconds.

Bedford, Texas

Inside Sales Representative: Cold Called Self-employed individuals and set up leads on behalf of the National Association of the Self-Employed to sell health insurance benefits to the individuals and their employees.

North Richland Hills, Texas, United States

Employed by Sam's Wholesale to lead front end Cashiers in the customer checkout process. assigned cashiers to stations, reconciled the cash drawers at the end of the Shift, Deposited cash into safe, assisted in cashier functions, Assisted with stocking and inventory when items needed to be pulled from back for customer orders and satisfaction.

Bachelor'S Degree, Finance

Associate'S Degree, Business Administration And Management, General