Jose Tojo

With nearly five years of experience in the US Mortgage industry, I bring a strong understanding of end-to-end mortgage operations and underwriting processes. I have worked as a US Mortgage Underwriter for 1.5 years, where I developed expertise in credit analysis, income and asset review, and risk assessment in line with investor and compliance guidelines. In addition to underwriting, I have hands-on experience across multiple mortgage functions including ILE, COC, and Junior Underwriting, giving me a well-rounded perspective of the loan lifecycle. I am detail-oriented, quality-driven, and committed to delivering accurate and timely results in a fast-paced, compliance-focused environment. After taking a planned career break over the last 2.5 years, I am now refreshed, fully committed, and actively open to work, eager to re-enter the US Mortgage domain and contribute my skills to a dynamic team.