forensic underwriter resume example with 20+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105609 Johnson Ave., 49204, Tulsa, OK
H: (555) 432-1000
C:
resumesample@example.com
Date of Birth:
India:
:
single:
:
Professional Summary
Underwriting experience for 6 years with strong background in mortgage lending for past 15 years. Mortgage underwriter with strengths in risk assessment, income/credit analysis and documentation review. Comprehensive knowledge of underwriting guidelines for conventional and government insured loan programs for both conforming and non conforming mortgages. Obtained FHA DE certification in August 2013.
Skills
Strong problem-solving capabilities
Bi-lingual- Spanish
Excellent work ethics
Strong interpersonal skills
Work History
Forensic Underwriter, 09/2013 - Current Better.Com – Oakland, CA,
Review aged mortgage documents for missing documentation/fraud. Defend lender clients against mortgage insurance rescissions and investor repurchase demands. Conduct analysis of mortgage origination issues raised by mortgage insurance companies or investors and preparing written rebuttals to these issues. Assess mortgage origination files for creditworthiness and underwriting requirements. Analyze credit reports and recalculate income in the context of compliance with underwriting requirements and guidelines.
Senior Mortgage Underwriter, 08/2011 - 08/2013 Gallagher Bassett Nz Ltd – Springfield, MO, Underwrote conventional, jumbo and FHA loans. Credit Authority of $1 million on first mortgages and $150,000.00 on second mortgage amounts. Duties included reading, understanding and complying with all Chase Home Lending policies, ensuring all credit decisions comply with corporate policies and federal and state fair lending laws. Review and analysis of income, credit and all other documentation provided in origination files. Ensuring all credit decisions are complete and files contain accurate documentation. Recommend loan approvals and denials based on customer loan application reviews.
Junior Underwriter, 10/2010 - 08/2011 Abound Credit Union – Leitchfield, KY, Cleared underwriting conditions on both FHA and conventional loans. Reviewed documents for acceptability against underwriting conditions, communicated with broker to obtain additional documentation required. Maintained friendly and professional client interactions at all times.
Mortgage Processor, 09/2006 - 10/2010 Crc Insurance Services, Inc. – Lexington, KY, Processed applications for both Home Equity Lines of Credit and Fixed Second Mortgages. Reviewed appraisals, prepared closing documents and conducted closings on these mortgages. Reviewed tax escrow accounts, disbursed quarterly tax payments on all escrow accounts and remitted monthly disbursements on first mortgages to FHLMC. Submitted loan applications to the Processing Manager with all verifications and recommendations on decisions. Maintained friendly and professional member interactions.
Underwriter, 05/2006 - 07/2006 Crc Insurance Services, Inc. – Louisville, KY, Underwrote files for the Wholesale division per investor guidelines. Reviewed documentation submitted pertaining to income, employment, credit and assets. Reviewed appraisals to ensure property has been valued correctly to warrant amount of loan requested.
Underwrote for 3 retail offices on conventional, jumbo and non prime loans. Lending authority up to $650,000.00. Began process to obtain FHA DE certification. Maintained friendly and professional interactions with processors, loan officers and brokers.
Underwriter, 05/2003 - 07/2005 Lake Michigan Credit Union – Bonita Springs, FL, Underwrote for the Wholesale department from 6/2003 to 12/2003 and was then transferred to the Retail Underwriting Dept. in 12/2003. Underwrote conventional, jumbo and bond state loans. Lending authority was $700,000.00 on first mortgages and $350,000.00 on second mortgages. Continued training in underwriting FHA loans.
Senior Mortgage Processor, 08/1996 - 05/2001 Commonwealth United Mortgage/National City Mortgage – City, STATE, Processed mortgage applications with heavy concentration in FHA loans and jumbo loans. Registered loans in TMO system, ordered credit reports and appraisals, submitted loans to LP/DU automated underwriting systems. Checked files for completeness of residential loan application, conducted complete application reviews to comply with program guidelines and submitted files to underwriting for credit decisions. Interacted with customers, realtors and loan officers on the status of loan files. Prepared approval documents, cleared conditions and prepared files for closing. Trained new processors on duties and procedures.
Education
Bachelor of Science: Management Science, Expected in June 1983 - Kean College - Morris Avenue, Union NJ 07083 GPA: Status - Emphasis on Management Science with a concentration in Accounting
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