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Mortgage Default Underwriter Resume Example

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MORTGAGE DEFAULT UNDERWRITER
Summary
Over 12 years of experience in the mortgage banking industry delivering excellence and high quality service to the client and the business. Good eye for detail, well organized, skilled in setting priorities and focused on getting the job done as quickly and efficiently as possible. Always calm and works effectively under demanding conditions. Keen perception for extracting important data, highly motivated to achieve goals and deadlines set forth by the business. Eagerness to learn new concepts and a willingness to get involved. Ability to analyze and research data and successful in mastering new skills through hands-on experience.
Highlights
  • Excellent communicator
  • Detail-oriented
  • Excellent time management
  • Reliable
  • Energetic
  • Sales expertise
Accomplishments

Assisted on several projects that successfully increased sales and improved client retention rates.

Experience
Mortgage Default Underwriter
January 2012 to December 2014CitiFinancial North America － Irving, TX
  • Review and analyze borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses, identify any potential fraud and determine proper loan resolution.
  • Independently perform financial analysis on borrowers.
  • Analyze delinquency, perform escrow analysis, analyze modification scenarios and proposals and recommend appropriate loan workout.
  • Ensure that loan requests meet program and product specifications or communicate to all parties involved regarding necessary information.
  • Implement fraud detection techniques to ensure compliance is met by all standards.
  • Review, examine and underwrite loans to ensure soundness, business value and compliance within company guidelines.
Mortgage Loan Consultant
June 2010 to July 2011CitiMortgage, Inc － Irving, TX
  • Provided support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.
  • Reviewed and verified borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.
  • Ensured compliance with company policies, underwriting guidelines and lending-program requirements.
  • Successfully processed loan applications while ensuring all preliminary conditions were cleared prior to submitting to underwriting and closing.
Modification Prospector/Underwriter
March 2009 to May 2010Citi － Irving, TX
  • Triaged default loans by discussing the loan modification process with customers in an effort to prevent foreclosure.
  • Ensured loan submittals met internal and external eligibility requirements.
  • Gained extensive experience in underwriting FHA, VA and Fannie Mae loans.
  • Provided meticulous attention to detail in underwriting mortgages.
  • Evaluated the financial strength of borrowers to determine risk and repayment capacity.
  • Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
  • Maintained compliance with lending, underwriting and government requirements.
  • Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Customer Service (Escalation) Representative
February 2002 to February 2009Citi － Irving, TX
  • Provided exceptional service by taking inbound customer service inquiries/requests from customers and third-parties on mortgage accounts.
  • Advised customers about their annual escrow cycle and discussed how payments were disbursed and allocated.
  • Explained and handled the acquisition process of newly acquired loans Completed account follow-ups to discuss the resolution on account discrepancies and or disputes from the customer.
  • Cross-sold additional products and services that would benefit the customer as well as CitiMortgage, Inc.
  • based on the status of the customers account and/or reason for their call.
  • Became the lead "go-to" person for new reps and particularly challenging calls as one of the company's primary mentors/trainers of both new and established employees.
  • Worked closely with the Training Department to discuss monthly updates and present any changes and or system updates to Customer Service Mangers, Team-Leads, and Telephone Representatives.
  • Completed voluntary customer service trainings to learn ways to enhance customer satisfaction and improve productivity.
Education
Bachelor of Science : Management Information Systems, 5 2004University of Texas － Arlington, TX, United States

Coursework in Accounting, Finance and Business Administration


Degree
Skills

attention to detail, closing, credit, customer satisfaction, Customer Service, documentation, financial, financial analysis, government, insurance, policies, processors, proposals, Telephone

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Resume Overview

Companies Worked For:

  • CitiFinancial North America
  • CitiMortgage, Inc
  • Citi

School Attended

  • University of Texas

Job Titles Held:

  • Mortgage Default Underwriter
  • Mortgage Loan Consultant
  • Modification Prospector/Underwriter
  • Customer Service (Escalation) Representative

Degrees

  • Bachelor of Science : Management Information Systems , 5 2004
    Degree

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