Carlos is the Assistant Vice President of Underwriting at USAA Bank and is responsible for the end to end operation of real estate lending. Carlos joined USAA in 1999 and has held multiple positions across various parts of the organization. Prior to USAA, Carlos was the Director of Operations at Sitel where he focused on strategy and development for the contact center in Texas. Carlos has over 15 years of experience in the financial services industry with expertise in real estate, consumer loan, risk and portfolio management, outsource strategy development, call center operations, loss mitigation, and strategic planning. Carlos is a Summa Cum Laude graduate of University of the Incarnate Word in San Antonio Texas, with an MBA in International Business, and a Bachelor of Science in Business Management.
Carlos serves as the Phoenix Executive Sponsor of Adelante, a USAA Diversity & Inclusion Business Group focused on talent management for the Hispanic population. Carlos and his wife Cybil have been married for 12 years and they enjoy hiking, playing tennis, and traveling.