Carmen Genao
Remote De Hls Underwriter Iii @Citizens
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WORK HISTORY
Remote De Hls Underwriter Iii @Citizens
Melville, NY, US
Underwrite Portfolio Non-Conforming, conforming, and FHA loans with concentration on transactions up to 2MM in accordance with Citizens’ Bank and GSE’s guidelines. • Underwrite complex mortgage loans for high net worth clients, decision loans within credit authority and in accordance with Citizens Bank credit policy and credit culture and recommend loan exceptions by leveraging knowledge of loan products, risk layering and high-quality evaluation. • Proactively manage assigned pipeline while insure data accuracy and maintaining company SLA and ensuring compliance with company’s quality standards using Manual Underwriting and Automatic Underwriting systems. • Underwrite complex mortgage loans for high net worth clients and perform complex income / tax return analysis.
EDUCATION
University of Phoenix
Master of Business Administration (M.B.A.), Business Administration and Management, General
City University of New York-Queens College
Bachelor of Arts (B.A.), Communication and Media Studies
ABOUT CARMEN GENAO
SUMMARY OF QUALIFICATIONSAnalytic and committed professional with over ten years of experience contributing to the effective operation and profitability of lending institutions with a high level of understanding of complex documentation. Exceptional ability to work independently and as part of a team, as team player always willing to offer proactive solutions in order achieve outstanding results. Excellent customer service, analytical decision making skills, communication and negotiation skills; quick learner and stay abreast of new and commonly used financing concepts. • Cash Flow and Financial Statements Analysis • Result Driven and Conflict Management• Time Management and Multitasking Skills • Risk Mitigation and Credit Risk • Staff training Mentoring and Team Building• Client Relations and Negotiation Skills • Analytical and Decision Making Skills • Fluent in English and Spanish
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