Ramon Celaya Email & Phone Number

Aurora, Il, Us

Arlington Heights, Illinois, United States

Responsible for analyzing commercial, business and/or personal financial data collected for the purpose of issuing, extending, amending, reviewing, monitoring and testing commercial credit facilities. Participate in and present summary reports for bank business unit leadership.Analysis of increasingly complex commercial credit requests including credit and financial information of business and individuals to determine the degree of risk associated with the extension of credit.Prepares and conducts Credit Approval Presentations (“CAPs”) including summarizing and reporting trends and presentation to Bank’s Credit Committees.Manages due diligence and loan documentation efforts including collateral analysis of current and prospective customers.Responsible for loan monitoring and testing requirements. Assist in the closing of loans and reviewing and maintaining credit files and compliance reviews.

Downers Grove, Illinois, United States

• Perform risk analysis of credit, collateral, income and asset capacity of residential loan clients• Make credit decisions on loan amounts up to $3 million• Restructure loan terms for counteroffers and make recommendations for guideline exceptions• Communicate with operations, management, and sales team the status of loans• Maintain a thorough knowledge of Conventional, Non-Agency, and FHA guidelines and procedures• Review and validate AUS findings including DU, LP, Total Scorecard and Rocket findings• Research public records to ensure loan accuracy and prevent misrepresentation• Clear loan conditions and perform final loan reviews prior to closing• Managed inbox to fast track loans in closing that required expedited underwriting issue resolution• Received multiple recognitions for outstanding customer service and excellence in quality

Rolling Meadows, Il

• Risk analysis of credit, collateral, and income/asset capacity of residential loan clients• Perform credit decisions on loan applications for approval, counteroffers, or denial• Communicate with fulfillment team, management, and sales team the status of loans• Maintain a thorough knowledge of loan program guidelines, policies and procedures• Process and manage a pipeline of conventional and government loans• Review of DU, LP and AUS automated underwriting approval findings• Apply FNMA/FHLMC guidelines and internal overlays to loans and ensure compliance• Research public records to ensure loan accuracy and prevent misrepresentation• Clear and prepare loan files for closing• Perform pre-funding audit of team loans to ensure policy and procedure compliance• Assist with training and development of new associates• Reviewed loans in wholesale, retail, and correspondent loan channels• Received Recognition Award for outstanding customer service• SASE Level 3 credit authority• DE Authority (FHA) with CHUMS ID

Rolling Meadows, Il

• Reviewed loan applications for completeness, accuracy, and eligibility• Analyzed credit, collateral, and income/asset capacity of loan applicants• Made credit decisions on borrowers for loan approval, counteroffers, or denial• Provided recommendations to brokers on restructuring of loans• Audited loans for final preparation prior to funding• Communicated with fulfillment associates, management, and brokers the status of loans• Researched public records to ensure loan quality and prevent broker misrepresentation• Assisted in training and development of new underwriters• Performed duties of Account Managers on a regular basis as needed by management