Summary
Overview
Work History
Education
Skills
Accomplishments
Software
Certification
Timeline
Hi, I’m

Shildon John Rubinos

HL Credit Underwriter 3
Paranaque
Shildon John Rubinos

Summary

HL Underwriter with JP Morgan Chase, adept at risk assessment and data analysis. Expertly evaluated loan eligibility, enhancing approval rates by streamlining documentation review processes. Proven ability to provide actionable recommendations, ensuring compliance and optimizing borrower outcomes through meticulous examination of financial documents and credit reports.

Professional underwriting specialist with keen eye for detail and strong commitment to accuracy. Extensive experience in evaluating financial risks and managing complex insurance portfolios. Highly collaborative team player, adaptable to changing needs, and focused on delivering results. Proficient in risk assessment, policy analysis, and client communication.

Overview

1
Language
1
Certification
9
years of professional experience

Work History

JP Morgan Chase

HL Underwriter 111
03.2017 - Current

Job overview

  • Evaluated risk factors to determine loan eligibility and terms.
  • Reviewed financial documents to assess borrower creditworthiness effectively.
  • Analyzed applicant data using proprietary underwriting software for accuracy.
  • Provided recommendations for loan modifications based on risk assessment findings.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.

Education

St.Anthonys College
San Jose Antique

Bachelor of Science from Information Technology
2015

University Overview

Skills

Underwriting guidelines

Analyzing data

Documentation review

Risk assessment

Accomplishments

Accomplishments

100% no Kick Back for Quality 2025

Software

Encompass Trained , MPX

Certification

Process Trained Purchase, Refinance,Schedule C ,MREO, Investment property

Timeline

HL Underwriter 111
JP Morgan Chase
03.2017 - Current
St.Anthonys College
Bachelor of Science from Information Technology
Shildon John RubinosHL Credit Underwriter 3