Patrick J. Murphy Munoz
Financial engineer bridging loan servicing and quantitative analytics. Building models that transform data into decision-relevant insight.
The full picture.
I'm a Financial Engineer with an M.S. from NYU Tandon School of Engineering and a B.S. in Industrial Engineering from Universidad Adolfo Ibáñez. My work sits at the intersection of quantitative finance, data engineering and operational efficiency.
Currently in loan servicing and asset management, I focus on automating portfolio reporting, building credit analytics tools, and developing early-warning scoring systems — actively bridging toward quantitative credit analysis roles and capital markets.
Proficient in Python, R, SQL, and Excel, I've applied these tools into my day-to-day work for automating portfolio reporting and building loan servicing tools.
Where I've worked.
- Onboard new residential and commercial real estate loans, verifying documentation and ensuring accurate servicing setup in portfolio systems.
- Process borrower payments, managed escrow accounts, and coordinated draw requests, payoffs, and loan restructurings with internal and external stakeholders.
- Prepare investor and asset performance reports, monitored covenant compliance, and escalated delinquency or default risks to support credit and workout teams.
- Managed a portfolio of multifamily, RTL, and DSCR loans, overseeing the full servicing lifecycle from loan boarding through repayment.
- Led investor reporting processes, compiling performance metrics and servicing updates for internal and external stakeholders.
- Oversaw draw requests, extensions, and payoffs, ensuring compliance with loan agreements and accurate disbursements.
- Analyzed asset performance trends and borrower activity to support risk management and portfolio strategy.
- Served as a primary point of contact for borrowers and investors, handling communications with professionalism and accuracy.
- Supported the Asset Management team in servicing multifamily, Fix & Flip (RTL), and 30-year DSCR loans, gaining hands-on exposure to loan operations and performance tracking.
- Handled borrower communications, including responding to inquiries and coordinating requests for draws, extensions, and payoffs.
- Verified and processed payoffs and assisted with loan disbursements, ensuring accurate documentation and timely execution.
- Assisted with loan boarding and collaborated with senior analysts to maintain portfolio accuracy and compliance.
- Designed weekly course materials and exercises in LaTeX across Financial Management, Linear Algebra, Differential Equations, and Multivariable Calculus.
- Conducted monthly assessments to evaluate student comprehension and progress.
- Mentored economically vulnerable high school students in entrepreneurship and technology skills.
- Guided students in developing prototypes using Design Thinking methodologies.
Things I've built.
Chatbot applying GPT-4 and Retrieval-Augmented Generation (RAG) to analyze earnings call transcripts, surfacing key metrics for investors — growth, profit, and revenue signals.
Extracted hawkish/dovish sentiment signals from Federal Reserve communications (2018-2022) using FinBERT and NLTK, mapping central bank tone to market behavior.
Tools of the trade.
Academic foundation.
Tandon School of Engineering