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.

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

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

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