Jorge G

Mortgage Underwriter

Jan 2026 - Jan 2026 • 0 mos

●Underwrote up to 125 loans monthly with lending delegation of $1,000,000, achieving recommendations for credit approval or counter or rejection. For jumbo, bank statement, debt service coverage ratio conventional, 2nd mortgage, home equity line of credit to determine appropriate loan decision based on Experian, Transunion & Equifax, Fannie credit reports & Freddie AUS, GUS, Investor and underwriting portfolio guidelines. ●Detected and mitigated fraudulent applications with tools such as Lexis Nexis. ● Provide loan status updates to Loan Officers regarding the progress and status of loans. ● Check title reports to confirm the accuracy of lien status, outstanding judgments, property tax status, and the precision of borrower names. ●Evaluate diverse income sources for in-depth analysis of borrower’s income sources from 1040’s, W-2, 1099, business tax returns 1120, 1120’s, 1065’s, K-1’s, social security, disability, annuities to determine ability to repay loan. Reviewing financial documentation for self-employed individuals and corporations balance sheet and profit & loss statement to perform cash flow analysis to reduce financial risk. ●Prepared detailed financial analyses, calculating financial ratios like debt-to-income, acid-test, current ratio, net profit margin, debt service coverage and cash flow coverage to evaluate borrower repayment ability. ●Evaluate appraisal forms (1004, 1025, 1073, 2055, 1075, etc), confirming accuracy with compared property values to market data. ●Asset verification for personal financial statements, bank statements, business bank statements, retirement account and investments statements.

Non-Qm Mortgage Underwriter

Dec 2025 - Dec 2025 • 0 mos

●Managed a high-volume pipeline, underwriting up to 150 loans monthly with lending authority up to $1,000,000 with an average loan amount of $750K For jumbo, conventional, fha, va, 2nd mortgage, home equity line of credit to determine appropriate credit decision based on Experian, Transunion & Equifax, AUS, GUS, Investor and underwriting portfolio guidelines. ●Directed Jr Underwriter, delivering regular coaching and training to ensure alignment with loan policies and objectives. ●Enhanced portfolio growth by 10% through strategic promotional campaigns and cross-selling loan products. ● Analyzing various income streams 1040’s, W-2’s, 1099’s, social security, disability, and annuities 1120, 1120s 1065, K1 business tax returns for self-employed and corporations to determine income cash flow analysis for ability to repay loan the loan. ●Analyzed comprehensive borrower financial data, such as audited financials, tax documents, and credit profiles, to assess loan eligibility. ●Perform financial spreadsheets to calculate financial ratios, such as debt-to-income, acid-test, current ratio, net profit margin, debt service coverage and cash flow coverage for borrower capacity assessment. ●Evaluate various insurance policies, including but not limited to hazard, wind, and flood insurance as appropriate. ●Asset verification for personal financial statements, bank statements, business bank statements, retirement account and investments statements. ●Examine title reports for correct liens, outstanding judgments, status of property taxes, borrowers name accuracy. ●Identified and prevented fraud, contributing to a 13% reduction in fraudulent applications. ●Ensured compliance with all mortgage-related regulations through thorough document reviews for (ECOA), (FHA), (FCRA), (TILA), (RESPA), (HMDA), (Gramm-Leach-Bliley Act) (SCRA) and the required disclosures.