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conventional sr underwriter resume example with 3+ years of experience

Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Professional Summary

Top-notch Underwriter with3 years of solid experience in financial services. Proficient in determining level of risk for lenders using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Strategic Underwriter with strong background in processing mortgages and loans. Assesses and evaluates risks with keen eye for coverage and pricing. Strong negotiation skills and dedicated to staying up-to-date with new market trends. Practiced Care Plan Coordinator dedicated to timely and accurate completion of patient assessments, supporting development of comprehensive care plans. Collaborates with interdisciplinary team in monitoring progress and adjusting plans to achieve target results. Observes resident care, recommending opportunities for improvements. Customer Service Representative bringing top-notch skills in oral and written communication, active listening and analytical problem-solving skills. Enhances customer experiences by employing service-oriented behaviors, understanding customer desires, ad providing customized solutions to build loyalty. Passionate about promoting lasting customer satisfaction by delivering quality service and unparalleled support. Proficient in customer service best practices and related options.

Skills
  • Credit Card Payment Processing
  • Fleet Dispatching
  • Senior Leadership Support
  • Freight Operations
  • Customer Relations
  • Report Transcription
  • Sales Expertise
  • Business Development Understanding
  • Inventory Audits
  • Professional Relationships
  • Financial Transactions Expertise
  • Payment Collection
  • Risk Management
  • Mortgage Banking and Analysis
  • Credit Check Knowledge
  • Negotiation Tactics
  • Coverage Determination
  • Trend Analysis
  • Loan Evaluations
  • Retail Mortgages
  • Business Development
  • Mortgage Loan Closing
  • Strategic Decision-Making
  • Microsoft PowerPoint
  • Account Management
  • Microsoft Word
  • Problem-Solving Ability
  • Clerical Support
  • Typing Proficiency
  • Critical Thinking
  • Administrative Support
  • Office Equipment Proficiency
  • Customer Relationship Management
  • Managing Multiple Tasks
  • Quality Control
  • Medical Terminology Knowledge
  • Multi-Line Phone Talent
  • Conflict Resolution
  • Customer Service
Education
Saginaw Valley State University Saginaw, Michigan Expected in Bachelors of : Science, Gerontology - GPA :
Heart Academy , Expected in 2011 High School Diploma : - GPA :
Work History
Kaiser Permanente - Conventional Sr. Underwriter
Lathrop, CA, 11/2021 - Current
  • Apply internal guidelines and investor guidelines to the credit decision process
  • Prioritize deals in Workflow queue in order to minimize turnaround time
  • Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision on each mortgage application.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Supported review and acceptance or denial of new or renewal business.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.
  • Built strong relationships with lenders, brokers and clients for constructive communications.
Pitfire - Care Coordinator/Customer Service Representative
Costa Mesa, CA, 02/2019 - 02/2019
  • Acted as the communication center for a patient unit or department, Handled and directed all incoming and outgoing information, and assisting staff in answering nurse calls
  • Monitored, tracked, and conveyed important patient information to healthcare staff to help optimize treatment planning and care delivery.
  • Used company software and databases to maintain records of services performed and patient conditions.
  • Built strong relationships with clients to deliver emotional support and companionship.
  • Determined need for special assessment activities for complex cases, effectively handling care plans.
  • Completed resident assessments in accordance with current regulations and guidelines.
  • Supported patient care excellence via planning and interpretation of programs.
  • Updated policies and procedures, leading continuous improvement of resident assessments and care.
  • Assisted clients with daily living needs to maintain self-esteem and general wellness.
  • Recognized and reported abnormalities or changes in patients' health status to case manager.
  • Turned and positioned bedbound patients to prevent bedsores and maintain comfort levels.
  • Maintained clean personal areas and prepared healthy meals to support client nutritional needs.
  • Performed clerical duties involved in admission, discharge, transfer, and death of a patient according to established procedure
  • Demonstrated competency with regards to computer skills necessary for the job.
United Wholesale Mortgage - Underwriter II
City, STATE, 03/2020 - 11/2021
  • Performed thorough review of credit, income, assets, and appraisals
  • Work with loan originators and loan processors daily to assist them in reviewing Fannie Mae and Freddie Mac guidelines to obtain the documentation needed to move a loan to closing
  • Mentor new underwriters by grading files, reviewing guidelines, and explaining the “why” behind the loan decisions we make.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Supported review and acceptance or denial of new or renewal business.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
  • Monitored market conditions and economic trends to identify and limit potential risks.
  • Built strong relationships with lenders, brokers and clients for constructive communications.
  • Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Calculated group and individual renewal rates based on customers' background, industry and demographic information.
  • Analyzed data to identify trends and predict future insurance needs.
  • Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
  • Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
New Hope Valley Assisted Living - Supervisor
City, STATE, 05/2018 - 12/2018
  • Managed daily operations including staff scheduling, cash reconciliation, charge entry, and operational checks and balances
  • Developed and implemented new office procedures as necessary to improve office flow and overall operations
  • Managed Human Resources by interviewing, hiring, orienting and evaluating ensuring optimal staffing at all times.
  • Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
  • Created successful work schedules for each team member to maintain deadlines and fully staff shifts.
  • Maintained clean and well-organized production areas to avoid violations or unnecessary work delays due to hazards or inefficient layouts.
  • Maintained compliance with company policies, objectives, and communication goals.
  • Handled customer complaints, resolved issues, and adjusted policies to meet changing needs.
  • Achieved results by working with staff to meet established targets.
  • Enforced rules and regulations outlined in company manual to set forth expectations comprehensibly and consistently.
  • Evaluated employee performance and coached and trained to improve weak areas.
  • Monitored workflow to improve employee time management and increase productivity.
  • Conducted routine inspections to check quality and compliance with established specifications.

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Resume Overview

School Attended

  • Saginaw Valley State University
  • Heart Academy

Job Titles Held:

  • Conventional Sr. Underwriter
  • Care Coordinator/Customer Service Representative
  • Underwriter II
  • Supervisor

Degrees

  • Bachelors of
  • High School Diploma

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