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Ruben Quinones is an experienced mortgage underwriter specializing in risk evaluation and income calculations for loans up to $1 million. Currently serving as a Senior Mortgage Underwriter III at Bank of America and Digital Risk since 2013, Ruben has a strong background in credit analysis and compliance within the mortgage industry. Prior experience includes a role as Senior Mortgage Underwriter at Bank of America from 2009 to 2013 and as a Senior Account Executive at HSBC from 2006 to 2009, where Ruben excelled in educating clients on financial products. Ruben holds a Bachelor of Science degree in Business Management and Marketing from Florida State University, completed in 2005.