Stanley Rios

Background

About Stanley Rios

Mortgage underwriter/processor with 10+ years of experience in the lending industry. Known for strengths in risk assessment, income/credit analysis, and documentation review. I work collaboratively with team members to push loans to fund and close. My strongest skill sets are as follows: • Underwrote and processed Conventional, New Home Construction, Refinances, FHA, VA, and Bond Products. • Reviewed credit reports for bankruptcies, foreclosures, and late payments. • Ordered credit reports and credit supplements. • Ordered personal and business tax transcripts. • Order flood insurance. • Ordered mortgage insurance. • Calculate w-2 wages. • Calculate self-employed income Sch C, Sch E, 1120, Profit and Loss statements. • Reviewed personal and business tax returns. • Reviewed asset statements for large deposits. • Reviewed title reports for tax liens, judgments, bankruptcies. • Reviewed appraisal reports. • Familiar with Encompass, DU, LP, FHA Connection, and VA Portal. • Maintained SLA expectations.