Mortgage Loan Underwriter Resume Example
Graduate with degree in Insurance and Actuary Science excited to work with a great team and seek a career in underwriting as Mortgage Underwriter . Hands-on training in risk management, data analysis and underwriting processes and procedures. Highly organized with ability to handle large workloads.
Analytical with expertise in credit analysis . Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
Meticulous Mortgage Underwriter eager to bring over 10-year background in Credit and Risk analysis to your team successful in revamping policies and procedures to resolve discrepancies and prevent future recurrence. Team-oriented and adept in developing high-performing teams.
Seasoned Underwriter offering over a decade years of experience insurance expertise. Well-versed in insurance laws with success in mitigating risk and controlling loss through comprehensive analysis, policy negotiation and service delivery.
Astute Underwriting with success in handling multimillion-dollar book of business and overachieving new business goals. Expert in Underwriting insurance and highly skilled in negotiating coverage, price, financial terms and service delivery. Possess strong critical thinking and analytical skills with ability to maintain highest standards of quality assurance. Proven successful at working within team environments to achieve global business goals. Possess strong critical thinking and analytical skills with commitment to highest standards of quality. Dedicated team player with commitment to achieving global business goals. Valuable hands-on experience in Underwriting Meticulously with over a decade background in Underwriting. Successful in revamping policies and procedures to resolve discrepancies and prevent future recurrence. Team-oriented and adept in developing high-performing teams. Highly adept in underwriting moderate to complex policies, achieving new business and renewal goals and maintaining loss control and risk management levels. Instrumental in facilitating development and deployment of new products.
Highly adept in underwriting moderate to complex policies. Adept in conducting qualitative and quantitative analysis and identifying trends and patterns. Hardworking with ability to work in team-driven environments.
Astute with success in handling multi-million-dollar book of business and overachieving new business goals. Expert in Underwriting and highly skilled in negotiating coverage, price, financial terms and service delivery. Prepared to take next career step offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
with over a decade background in consumer financing, loan administration, default management and customer service. Excellent analytical and communication skills.
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Enthusiastic Underwriter eager to contribute to team success through hard work, attention to detail and excellent organizational skills.
|
|
Company Name – City, State
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Review Type mortgages and defended lenders from FNMA, FHLMC and MI claims.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Assisted Job Titles by calculating group and individual renewal rates based on customers' background, industry and demographic information.
- Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Calculated group and individual renewal rates based on customers background, industry and demographic information.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal business by providing Skill to Job title.
- Provided high level of assistance to Job Title and Job Title helping with review, classification, coding and rating of applications.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Researched and developed loss control support resources using Skill and Software.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Created strategies to develop and expand existing customer sales, which resulted in Number% increase in annual sales.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Developed prospects for new loans by conducting Number cold calls weekly.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Successfully closed average of Number loans per month.
- Developed and maintained relationships with local real estate agents.
- Assisted senior-level credit officers with complex loan applications.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Reviewed over Number financial statements per Timeframe.
Company Name – City, State
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Adhered to banking standards and government lending guidelines for loan services.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Used Software and Software to perform credit appraisals, document verification and loan approvals.
- Organized and finalized loan applications for underwriter review.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Checked appraisals, title information and insurance documents for each property.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Assessed credit risk and analyzed financial statements.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Gathered loan documentation for underwriting.
- Performed credit reviews on corporations to assess financial conditions.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Contacted customers and requested financial documentation.
- Placed customer accounts on hold due to past due payments.
- Made decisions and recommendations about extending lines of credit.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
Company Name – City, State
- Consulted with potential investors to assess objectives and discuss optimal strategies.
- Investigated market changes and devised approaches to take advantage of emerging opportunities.
- Oversaw more than $Amount in total assets with consistently high returns and client satisfaction.
- Developed or implemented fund investment policies or strategies.
- Monitored regulatory or tax law changes to achieve fund compliance and to capitalize on development opportunities.
- Managed investment funds to maximize return on client investments.
- Maintained close watch on financial and operational performance of different funds and made proactive adjustments to keep portfolios in conformance with plans.
- Evaluated compliance of potential updates with established company frameworks and strategic plans.
- Evaluated transactions and reporting for adherence to applicable regulatory guidelines and data integrity.
- Stayed up to date on regulations and lax laws affection each fund to prevent management impropriety.
- Developed team communications and information for meetings.
- Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Improved type through consistent hard work and dedication to project or department or task or customer.
- Received and processed stock into inventory management system.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Monitored all company inventory to ensure stock levels and databases were updated.
- Resolved problems, improved operations and provided exceptional service.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Type hardware proficiency
Federal Polytechnic Offa - City
DISCLAIMER
Resumes, and other information uploaded or provided by the user, are considered User Content governed by our Terms & Conditions. As such, it is not owned by us, and it is the user who retains ownership over such content.
How this resume score could be improved?
Many factors go into creating a strong resume. Here are a few tweaks that could improve the score of this resume:
- Completeness
- Word choice
- Measurable results
- Strong summary
Resume Overview
School Attended
- Federal Polytechnic Offa
Job Titles Held:
- Mortgage Loan Underwriter
- Credit Risk Analyst
- Funds Transfer Officer
Degrees
- Higher National Diploma : Insurance And Actuary Science , 2003
