Juan Herrera-Garcia Email and Phone Number

- Reviewing new loan submission documentation for initial approval status aligned with investor guidance - Reviewing and calculating borrower income for eligibility - Review credit, liabilities, assets, property information, and occupancy documentation related to the loan approval. - Setting proper conditions on the loan in order to receive final approval and communicating additional requirements to external clients- Staying up to date with additional investor guidelines, lending policies, and the required documentation, policy, and procedures of investors (FHLMC, FNMA, FHA)- Applying knowledge and judgment to detailed loan analysis to offer effective underwriting alternatives to clients both internal and external- Managing multiple priorities, while building rapport with clients

- In accordance with established policies and procedures, underwriting consumer and real estate loans by reviewing and analyzing the creditworthiness of loan applications- Produce a high volume of quality loans that include consumer and home equity loans- Handle underwriting complaints and respond to a variety of lending inquiries- Ensure loan decisions are within established Service Level Agreements (SLAs)- Work within specified timeframes to assist in closing loans in a timely manner- Assist with training staff within the department (new team members and those promoted into underwriting roles)- Assist with ensuring the loan software and programs perform at an optimal level- Review team member activities on a regular basis, suggesting strategies and training for development, salary increases, promotions, or other actions to improve team members' and department performance- Conduct and review performance evaluations and make recommendations with regard to hiring and terminating employees- Assist mortgage lenders and processors with underwriting questions, complex mortgage applications, condition questions, and product or program questions- Recognize factors and red flags in the loan file to prevent borrower, appraiser, or lender misrepresentation- Identify and attend training as necessary for continued knowledge- Participate in continued mortgage compliance training including, but not limited to: Dodd-Frank Act, ATR/QM Rules, Truth in Lending Act, Real Estate Settlement Procedures Act (RESPA), Home Mortgage Disclosure Act (HMDA-Regulation C), Equal Credit Opportunity Act (ECOA-Regulation B), Fair Housing Act, Fair Credit Reporting Act, etc

- Reviewing new loan submission documentation for initial approval status aligned with investor guidance - Reviewing and calculating borrower income for eligibility - Review credit, liabilities, assets, property information, and occupancy documentation related to the loan approval. - Setting proper conditions on the loan in order to receive final approval and communicating additional requirements to external clients- Staying up to date with additional investor guidelines, lending policies, and the required documentation, policy, and procedures of investors (FHLMC, FNMA, FHA)- Applying knowledge and judgment to detailed loan analysis to offer effective underwriting alternatives to clients both internal and external- Managing multiple priorities, while building rapport with clients

- Reviewing applications for new policies, determining liability risks, and setting conditions based on current and new investor policies and guidelines- Providing elite service to both internal and external clients- Communicating with clients on loan conditions and statuses via phone or video message- Staying up to date with changes in investor guidelines, lending policies, and the required documentation, policy, and procedures - Applying knowledge and judgment to detailed loan analysis to offer effective underwriting alternatives to clients- Developing strong business relationships with clients- Managing multiple priorities, while working with diligence to maintain both internal and external service level agreements (SLA's)

- Guarantee that all product is built in the correct and most cost-effective manner, ensuring alignment with quality necessities and specifications. - Guarantee that all job tracking procedures are followed. - Follow safety guidelines set forth by the company. - Learn building materials and all jargon to ensure future growth and knowledge. - Follow all company policies in accordance with the employee handbook. - Operate forklift to move materials around warehouse

-Interact with around 50 patrons per day as they enter the computer labs and assigns each of them to a computer-Demonstrate computer applications operations and explains to students how to utilize the applications in their assignments-Utilize problem-solving skills to ensure that all printers and computers are working properly Open and close computer lab, ensuring that everything is accounted for

-Recorded customer orders while managing the cash register -Ensured that correct change was provided and that customer orders were taken properly-Prepared and delivered sandwiches to customers while navigating the Kalamazoo area