ARADEEN RIVERA
Raleigh
Summary
Experienced mortgage underwriting specialist with over 25 years of experience in underwriting, processing, sales, and quality assurance/audit. Skilled in assessing and approving loan applications, with a focus on thorough financial analysis and compliance. Known for attention to detail, adaptability to changing regulations, and a strong track record of delivering quality results.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Personal Assistant
PJW Group, LLC
11.2023 - Current
- Oversaw personal and professional calendars and coordinated appointments for future events.
- Displayed absolute discretion at handling confidential information.
- Responded to emails and other correspondence.
- Provided multifaceted services to career professionals by running errands, managing mail, scheduling appointments, and arranging transportation.`
- Adapted caregiving approaches based on individual needs of each child in the family household to provide personalized support.
- Provided safe transportation to and from school, extracurricular activities, and other events for the children of the household.
- Aided in personal tasks such as scheduling appointments or running errands when needed.
- Managed travel arrangements including flights, accommodations, and itineraries for smooth business trips.
- Served as first point of contact for incoming visitors or phone calls, ensuring prompt responses or directing inquiries appropriately.
- Kept detailed track of household and maintenance inventory and schedules.
Owner/Operator
Ace Of Spades Executive Transportation, LLC
10.2022 - 11.2023
- Managed day-to-day business operations to include but not limited to scheduling, bookings, marketing, financials.
- Developed business plan, processes and procedures to provide superior service to clients.
- Managed financial aspects of business operations including budgeting, expense tracking, invoice processing.
- Operated with safety and skill to avoid accidents and delays.
- Streamlined client pick up and drop off processes by planning optimal routes.
- Delivered exceptional customer service by addressing concerns promptly, resolving issues professionally, and fostering positive rapport with clients.
DE Underwriter
Arcstone Financial
10.2020 - 02.2022
- Enhanced loan application approvals by thoroughly evaluating applicants' creditworthiness and financial stability
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers
- Uphold fair lending practices and met targets for productivity, quality and customer satisfaction
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans
DE Underwriter
The Lender
03.2020 - 10.2020
- Responsible for reviewing, analyzing and underwriting conventional and government loan packages (income, collateral, assets, compliance with company and investor guidelines)
- Manage all daily conditions due within internal systems, keeping to service level agreements for turn times
DE Underwriter
Loan Stream Mortgage
06.2019 - 03.2020
- Reviewed appraisal reports for accuracy and consistency, ensuring collateral met established guidelines before approving loans
- Ensured compliance with federal regulations by conducting in-depth reviews of loan documentation
- Collaborated with processing teams to resolve discrepancies in loan files, ensuring timely completion of applications
DE Underwriter
Pacific Union Financial/ Mr. Cooper
06.2017 - 04.2019
- Examine loan documentation to ensure accuracy and completeness
- Analyze the risk of a loan transaction and provide justification and compensating factor to support loan decision
- Review LTV, credit report, applications, collateral etc
- To ensure that each loan meets company standards for sale into secondary market
- Minimized loss exposure through careful review of title commitments, property insurance policies, and other relevant documents related to real estate transactions
- Reduced company risk exposure by carefully assessing borrowers' ability to repay loans
DE Underwriter
Quicken Loans
08.2014 - 05.2017
- Examined credit, income and asset documents and reviewed title policy and appraisals
- Approved loan applications based on customer creditworthiness and provided detailed financial advice
- Conducted thorough income analyses, verifying employment and sources of income for accurate financial assessment of borrowers
- Enhanced loan application approvals by thoroughly evaluating applicants' creditworthiness and financial stability
Education
Central Piedmont Community College
Charlotte, NCHigh School Diploma -
Churchville Chili Senior High
Churchville, NYSkills
- Application analysis
- FNMA guidelines
- Automated underwriting system (AUS)
- Attention to detail
- Excellent communication
- Analytical skills
- Residential mortgage lending regulations
- Risk assessment
- Credit risk analysis
- Professionalism
Certification
Direct Endorsement # FX52
Timeline
Personal Assistant
PJW Group, LLC
11.2023 - Current
Owner/Operator
Ace Of Spades Executive Transportation, LLC
10.2022 - 11.2023
DE Underwriter
Arcstone Financial
10.2020 - 02.2022
DE Underwriter
The Lender
03.2020 - 10.2020
DE Underwriter
Loan Stream Mortgage
06.2019 - 03.2020
DE Underwriter
Pacific Union Financial/ Mr. Cooper
06.2017 - 04.2019
DE Underwriter
Quicken Loans
08.2014 - 05.2017
Central Piedmont Community College
High School Diploma -
Churchville Chili Senior High
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