1. MARCOS A. VIERA JR.
190 31st
Street • Brooklyn, NY 11232 • Phone (917) 848-5376 • mviera10@nyc.rr.com
Analyst, fluent in Spanish, with over 4 years of experience conducting client data research and credit analysis. Track
record of maximizing customer service opportunities and consistently meeting performance goals. Embrace and
adapt to all directives, policies and procedures to deliver sound decisions and resolve complex issues. Commitment
to maintain error-free credit files and meet closing deadlines by complying to ever-changing regulatory requirements.
WORK EXPERIENCE
JPMorgan Chase
2011 – 2015
Credit Analyst Underwriter II in Garden City, NY (2012-2015)
Research Analyst/ Quality Control in Brooklyn, NY (2011-2012)
• Restructure 50% of turned-down loans for subsequent approvals by recommending alternate products, issuing
counter-approvals, and approving exceptions to policy enhancing the customer experience and relationships with
business partners.
• Issue credit decisions by determining accuracy and validity of personal information, isolating information gaps in
financial records, and evaluating the actual costs and value to the firm that result in over $150M yearly in loan funding
and closing.
• Identify areas of misrepresentation and fraud not meeting KYC/AML requirements by performing due diligence,
compiling research data, and report negative findings to our credit risk groups on a daily basis eliminating deceptive
practices and illegal activities.
• Research and analyze large amounts of data pertaining to first mortgage and home equity account foreclosure
claims to identify areas of mismanagement of real estate data in violation of OCC Article VII which led to settlements
between US Gov. and Banking institutions.
• Audit over 100+ initial and second-level review findings per month to improve accuracy by performing quality
checks, identifying areas to improve and implementing procedural safeguards to maintain error rates below 10%
threshold.
• Conduct coaching sessions for multiple teams with 10+ members on new research processes on a weekly basis to
facilitate accuracy in findings, improve staff knowledge, and reinforce quality standards achieving an above 90%
performance metrics.
The Corporate Presence, Inc., New York, NY
2007 – 2009
Staff Accountant
Verizon Communications, New York, NY 1998 – 2007
Sales/Customer Service for Spanish-speaking customers in New York, NY (1998-2002)
Account Collection/Receivables for business accounts in New York, NY (2002-2007)
EDUCATION
Long Island University/CW Post, Brookville, NY 2005
Master in Business Administration with a concentration in Finance
John Jay College of Criminal Justice, New York, NY
2001
Bachelor of Science Degree in Legal Studies
Certifications
The George Washington University
2007
Associate’s Certificate in Project Management
Dale Carnegie 2005
Effective Communications/Leadership training
TECHNICAL EXPERTISE
Microsoft Office Suite: Project | Access| Word | Excel |PowerPoint | Outlook | SharePoint, MAS 200, Mac OS,
Internet, Lexis Nexis.