Enthusiastic Mortgage Underwriter eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel. Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Skills
Over 10 Years in Mortgage lending background. Deep knowledge of conventional and/or government guidelines and full comprehension of automated underwriting systems
Ability To Manually Underwrite Loan Files.
Excellent communication and PC skills must include proficiency in Microsoft Office, Word, Excel, and Outlook.
Knowledge of underwriting Conventional, FHA Mortgage and JUMBO loans
Knowledge of Mortgage Origination Software Systems
Excellent written and verbal communication skills.
Work History
Tax Analyst, 04/2019 - Current Fedex – Chesterfield, VA,
Monitored legislative and regulatory arenas for relevant tax issues and updated management to facilitate informed decisions.
Analyzed tax issues and made recommendations for remediation to management.
Communicated with external customers and taxing jurisdictions to clarify tax notices and resolve other inquiries.
Maintained database of federal and state tax laws and regulations to promote uniform policy and procedural compliance.
Prepared all federal and state income tax paperwork for extensions and returns.
Attended continuing education courses to increase professional expertise and obtain knowledge of updated tax laws and compliance criteria.
Communicated complex tax issues and terminology with others by explaining in easily-understood terms.
Verified completeness of provided details when processing Individual and Business applications.
Met with taxpayers and Business representatives to address and resolve concerns.
Reviewed established accounting systems and historical information to identify strengths and weaknesses of existing methods and controls.
Interpreted and applied federal and state tax codes for personal, business and corporate taxes.
Kept case data and contact information up to date to expedite proceedings.
Produced briefs, located records and organized documentation to support court cases.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Determined and documented loan conditions and communicated requirements and decisions.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Supported review and acceptance or denial of new or renewal business.
Mortage Loan Underwriter, 02/2011 - 06/2014 Nation Star Mortgage – City, STATE,
Reviewed mortgage files prior to closing to ensure quality of mortgage loans in accordance with established secondary market guidelines and internal policies and programs.
Prepared loan underwriting approval summary with notes on conditions needed prior to approval, closing & funding.
I maintained in-depth knowledge of secondary market lending guidelines and understood how these relate to internal and investor guidelines.
Made suggestions on potential lending opportunities, including loan programs and pricing issues, to assist the credit union in improving its lending activities and to increase its loan portfolios.
Ran Automated Compliance Testing and informed loan officers and managers of any failures.
Maintained thorough knowledge of mortgage related compliance regulations.e.g Program Guidelines, Loan Policy, Fair Lending, Reg B (ECOA), Reg C (HMDA), Reg Z (TIL), Reg X and RESPA, Fair Credit Reporting Act, and the USA Patriot Act.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Verified integrity of applicants' information to minimize fraud.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Checked personal and team calculations to validate information and underwriting decisions.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Jr Mortgage Underwriter, 07/XXX6 - 05/XXX7 IndyMac Bank – City, STATE,
Analyze loan packages, including all income documentation, tax returns, credit reports, preliminary title report, judgments, bankruptcy documents and appraisals to deliver valid credit decisions.
Analyze and calculate income using documentation such as personal and business income statements; ensure all necessary documentation is requested to support final loan decision.
Exercise good judgment, conduct reasonableness tests, and issue quality decisions
Determine accuracy and completeness of files; ensure consistent processes.
Perform timely reviews of conditions submitted.
Maintain established service level standard of decisions within a 48-hour time frame
Discuss and review conditions with Loan Officer, Loan Processors, Team Leaders or Managers.
Recommend restructuring of loans to comply with guidelines.
Resolve post-closing underwriting issues.
Remain familiar with multiple investor and agency guidelines and overlays.
Demonstrate proficiency in automated underwriting systems.
Education
Associate of Arts: Accounting And Business Management, Expected in 05/XXX3 - Daystar University - Kenya, GPA:
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