Finpower
JOHN NICHOLAI SANTOS
Credit Underwriter / Officer
National Capital Region
Judge a man by his questions rather than his answers.
Voltaire
Summary
Enthusiastic individual seeking a position in a growth-oriented company. Experiences, accomplishments, proficiencies, and competencies contribute to personal and professional growth. Confident and poised in interactions. Skilled in training individuals in customer service and credit underwriting. Demonstrated ability to multitask effectively. Trusted professional with 9 years of practical and international experience, showcasing a dedicated work ethic. Specialized in credit analytics and underwriting with Australian financial institutions for seven years. Self-motivated to consistently deliver first-class results within stringent targets and deadlines.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work History
Credit Analyst/Underwriter
Brighte
01.2021 - Current
- Assessed credit risk and analyzed financial statements.
- Review Loan requests for the different products offered
- Evaluate creditworthiness and risks involved
- Utilized existing procedures from common to complex queries
- Contact clients to gather financial data and documentation
- Resolve customer queries and problems using effective methods of communication
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Calculate financial ratios (serviceability, taking into consideration Credit scores, and interest rates)
- Mentored junior analysts, sharing best practices and fostering their professional development in credit analysis techniques.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
Credit Analyst/Underwriter Freelancer
Fundo Loans
01.2024 - 07.2024
- Analyzing credit data, assessing creditworthiness, and recommending credit limits and terms
- Evaluate the customer's overall financial standing based on generated credit file reports and bank statements provided
- Reviewing customer applications and communicating credit decisions to clients and internal teams
- Calculate financial ratios (serviceability, taking into consideration Credit scores, and interest rates)
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Loan Administration Officer Level 2
Loanworks
09.2019 - 09.2020
- Lodgment, preparation, and collating of files, and follow-up on pending information
- Acts as the first point of contact for all external communications and disseminates all pertinent information to appropriate persons
- Creating new customer/loan records via CRM
- Ensuring supporting documents, authorities, and risk profiles are completed
- Data entry of the application data in CRM & ApplyOnline
- Preparation of various documents such SOA, PCAR, Credit Proposal, and Forms in compliance with Lender's regulation
- Ordering of upfront valuation and property reports
- Complete the entire process from Unconditional Approval to Settlements
- Customer & lender communication
- Liaising with the loan writers and bank business managers
Loan Underwriter
Acquire BPO
12.2018 - 09.2019
- Analyzing credit data, assessing creditworthiness, and recommending credit limits and terms
- Communicate with potential customers to discuss personal and financial information for the decision-making process
- Conduct risk assessments on potential clients based on previous borrowing history, credit rating, industry experience and other factors
- Render application decisions, based credit guidelines
Sales and Marketing Executive
Rayoner Trading
09.2016 - 09.2018
- Recruitment of new sales and marketing team members
- Establishing new business by organizing sales visits
- Presentation of product portfolio
- Attend networking events arranged by similar organizations and partners to broaden contacts for referrals
- Reviewing sales performance
- Increased sales revenue by developing and implementing strategic marketing plans.
- Negotiated favorable contract terms with vendors, resulting in reduced costs and improved profit margins for the company.
- Prepare and implement quarterly marketing and advertising plans to increase brand awareness and increase the volume of leads
- Conducted comprehensive market research to identify emerging trends and opportunities for business expansion.
Customer Service Specialist
Wells Fargo Philippines
10.2015 - 08.2016
- Responsible for responding to routine and complex inquiries from customers regarding financial products and services
- Payment Processing
- Assesses customers' needs and promotes/suggests alternative products or services
- Evaluate the customer's financial situation and negotiate for payments or create payment plans to bring a certain account to the current
- Generating and compiling day-to-day statistical reports of the team
- Identifies accounts that may be involved in hardship and fraud
Education
Bachelor of Science - Hospitality And Tourism Management,Hotel, Resort And Restaurant Management
06.2009 - 10.2014
2-time Gawad San Luis Awardee.
Skills
Credit reporting and Credit analysis
Credit risk and High risk account reviews
Risk assessment and Information verification
Financial statement analysis
Loan documentation review
Financial statement review and Cash flow analysis
Loan Underwriting and Data analysis and Interpretation
Verbal and written communication
Training and evaluation
Proficient in Finpower, Equifax, RPDATA, Apply Online, Mercury, Canva, Adobe Photoshop, Microsoft Office
Goal oriented
Teamwork and collaboration
Timeline
Credit Analyst/Underwriter Freelancer - Fundo Loans
01.2024 - 07.2024
Credit Analyst/Underwriter - Brighte
01.2021 - Current
Loan Administration Officer Level 2 - Loanworks
09.2019 - 09.2020
Loan Underwriter - Acquire BPO
12.2018 - 09.2019
Sales and Marketing Executive - Rayoner Trading
09.2016 - 09.2018
Customer Service Specialist - Wells Fargo Philippines
10.2015 - 08.2016
Saint Louis University - Bachelor of Science, Hospitality And Tourism Management,Hotel, Resort And Restaurant Management
06.2009 - 10.2014
Work Preference
Work Type
Full TimePart TimeLocation Preference
RemoteHybridImportant To Me
Career advancementWork-life balanceCompany CultureFlexible work hoursWork from home optionHealthcare benefitsPersonal development programsPaid sick leave401k matchTeam Building / Company Retreats4-day work weekStock Options / Equity / Profit SharingPaid time offWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software
ASCEND
Mercury
ApplyOnline
Salestrekker
Accomplishments
- Trained 4underwriting interns and trainees.
- Approved policies up to $35000.
- Resolved product issue through consumer testing.
- Earned designations as Credit underwriter / Credit officer.
- Improved policies and procedures, reducing underwriting losses 10%.
Interests
Underwriting
AML
Outdoor Activities
Engagement Activities
Sports
Languages
English
Bilingual or Proficient (C2)