Joey Oramas

I began my career in the mortgage industry as a Loan Officer and worked my way up through multiple roles, including Processor, Senior Processor, and now Senior Underwriter. This progression has given me a deep, end‑to‑end understanding of the loan manufacturing process and the unique challenges faced at each stage.

Having worn many hats throughout my career, I bring a well‑rounded perspective, strong problem‑solving skills, and the ability to collaborate effectively across departments. I am committed to leveraging my experience to improve efficiency, reduce risk, and contribute to increased profitability for the organization

• Maintained a 98.7% QC accuracy rating, consistently delivering high‑quality underwriting decisions and reducing audit exceptions.

• Managed TRID establishment and workflow optimization, ensuring compliance, improving file flow efficiency, and reducing processing delays.

• Trained and mentored Level 2 Underwriters to Level 3, strengthening team capability, improving decision quality, and increasing overall underwriting capacity.

Graduated with an associates in Computer Aided Manufacturing Technology, gaining hands‑on experience in programming and robotics, which strengthened my analytical thinking, precision, and problem‑solving skills — all of which I apply in underwriting and workflow optimization.