Horatio Cruz
About Horatio Cruz
Horatio Cruz is an Underwriting Manager at Chase, where he has worked since 2016. He has extensive experience in the mortgage industry, having held various positions at companies such as WMC Mortgage Corporation, Alliance Funding, and Option One Mortgage.
Work at Chase
Horatio Cruz has been serving as an Underwriting Manager at Chase since 2016. In this role, he oversees underwriting processes and ensures compliance with company policies and regulatory requirements. His responsibilities include evaluating loan applications, assessing risk, and making decisions on loan approvals. Cruz has contributed to the efficiency and effectiveness of the underwriting team during his tenure.
Previous Experience in Mortgage Industry
Before joining Chase, Horatio Cruz worked at WMC Mortgage Corporation as an Inside BDA/Team Lead from 2005 to 2007. In this position, he led a team focused on mortgage sales and customer service. Prior to that, he was employed at Alliance Funding as an Underwriter from 1997 to 2000, where he evaluated loan applications and assessed borrower qualifications. Additionally, Cruz worked at Option One Mortgage as Account Manager III from 2001 to 2003, managing client accounts and facilitating communication between clients and the underwriting team.
Education and Expertise
The educational background of Horatio Cruz is not specified in the provided information. However, his extensive experience in the mortgage industry, particularly in underwriting and account management, indicates a strong understanding of mortgage processes and risk assessment. His roles have equipped him with the necessary skills to manage underwriting teams and ensure compliance with industry standards.
Career Timeline
Horatio Cruz has a diverse career in the mortgage industry spanning several years. He began his career at Alliance Funding as an Underwriter from 1997 to 2000. He then transitioned to Option One Mortgage, where he worked as Account Manager III from 2001 to 2003. After a brief period, he joined WMC Mortgage Corporation as Inside BDA/Team Lead from 2005 to 2007. Cruz has been with Chase since 2016, accumulating over eight years of experience in his current role.