Miguel Ochoa

Business Administration professional with a B2 English level and a career in the mortgage and financial sector. I specialize in loan origination and processing for U.S. mortgage loans, with experience as a Loan Processor and Loan Officer Assistant, managing mortgage applications and validating financial and credit documentation. I have experience verifying income, employment history, bank statements, credit reports, and underwriting conditions.

I am able to coordinate with Loan Officers, Underwriters, clients, and third parties, facilitating the progress and approval of transactions. I am characterized by my analytical skills, attention to detail, and problem-solving ability. I am focused on meeting objectives, organization, operational efficiency, and customer service.

Loan Officer Assistant at Ready To Mortgage LLC (2026-04 – Present)

• Request documentation from clients and clearly explain the requirements of the operational processes.
• Verify applicants' income, employment history, and bank statements to support credit analysis.
• Analyze credit reports and financial statements to determine applicants' repayment capacity.
• Resolve outstanding underwriting conditions prior to closing.
• Identify and correct discrepancies in documentation, contacting applicants and third parties when necessary.
• Contributed to closing more than $1M in monthly loan volume as part of the processing team.
• Resolved 90% of pending underwriting conditions within less than 48 hours.

Mortgage Loan Processor at City Lending Inc (2024-08 – 2025-07)

• Process assigned clients' loan applications from start to finish, ensuring documentation met established turnaround times.
• Verify applicants' income, employment history, and bank statements to support credit analysis.
• Coordinate continuously with loan officers and underwriters to expedite the approval of each transaction.
• Request and follow up on appraisals, title reports, and certifications required for the mortgage process.
• Identify and correct discrepancies in documentation, contacting applicants and third parties when necessary.
• Resolved 90% of pending underwriting conditions within less than 48 hours.
• Reduced documentation errors by implementing a standardized pre-review checklist.
• Identified process bottlenecks that, once corrected, reduced processing time by an average of 5 days.

Payroll Tax Specialist at Solvo Global (2023-05 – 2024-07)

• Carry out research and management procedures for U.S. state and local payroll tax notices.
• Perform analysis, account reconciliation, and issue resolution related to withholdings and accounts payable.
• Resolve discrepancies and general requests from U.S. government agencies, ensuring timely responses and compliance with requirements.
• Support the validation and follow-up of tax and administrative processes related to payroll taxes and international tax obligations.
• Managed and followed up on more than 100 U.S. state and local payroll tax notices and requirements, ensuring timely handling and contributing to 100% compliance with established timeframes.
• Analyzed and reconciled more than 200 accounts and transactions related to withholdings and accounts payable, identifying and resolving discrepancies that reduced outstanding items and errors in tax processes by 30%.
• Resolved discrepancies in client state accounts that had remained unresolved for over 3 years.

Bachelor of Business Administration in Business Administration and Management, General – Universidad del Norte (2017-01 – 2022-09)