Ramon Celaya

Background

About Ramon Celaya

I am an experienced Credit Analyst and Underwriter and specialize in risk assessment via financial and credit data analysis. I provide a comprehensive review of client credit history, income and asset capacity, business cash flow, business liquidity, and loan collateral. I am highly focused and detailed-oriented with a proven track record in quality. I take great pride in delivering the best possible product to investors while maintaining a highly positive experience for clients-Selected to be on fast paced Closing Underwriting Team which required expert level knowledge of guidelines and system adeptness -Collaborated with sales, management, and National Exception Desk to identify compensating factors to support guideline exceptions -Exceeded monthly quality scorecard metrics with consistent error free quality findings -Selected to be on specialized teams to underwrite more complex loan products -Collaborated with process improvement to improve interface of electronic document viewing system -Consistently met SLA deadlines for loan decisioning, conditions review, and closing issue resolution -Participated in mentorship of new associates including review of loan test cases -Trained in fraud prevention within the scope of underwriting including AML, KYC and CIP -Consolidated multiple underwriting workflow worksheets to simplify the underwriting process and reduce errors -Recognized as go to person by management and colleagues for underwriting and business application expertise -Multiple recognition awards from sales, management, processing and closing team for excellence in partnership -Make leaderboard club multiple months for production, quality, and customer satisfaction Key Competencies: Risk Assessment | Pipeline Management | Deal Restructuring | Fraud Prevention | Quality Control | Teamwork | Compliance Review | Adaptability | Problem Solving | Analytical Thinking | Communication | Multi-Tasking