Mortgage Loan Underwriter Resume Example

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Jessica Claire
  • , , 100 Montgomery St. 10th Floor
  • H: (555) 432-1000
  • C:
  • Date of Birth:
  • India:
  • :
  • single:
Professional Summary

4 Year competent, knowledgeable Underwriter proficient in automated underwriting systems such as Desktop Underwriter and Loan Processor seeking a challenging position in an environment that creates creativity and independent thinking with the potential for advancement. Excellent analytical and communication skills. Goal-oriented with a pleasant personality and tenacity that knows no restrictions.

  • Worked on Conventional Loans
  • Experience with Encompass
  • Running DU/LP
  • Data verification and analyzing Tax returns
  • Strong analytical skills including analyzing complex data
  • Loss protection
  • Policy quoting and pricing
  • Loan to Value Ratio Calculations
  • Debt-to-Income Ratios
  • Quality assurance
  • Time management
  • Compliance Reviews
Work History
Mortgage Loan Underwriter, 01/2017 to Current
Bank Of Ann Arbor Plymouth, MI,
  • Analyze information gathered from received documents through AUS (DU/LP)
  • Order and review credit reports, supplements, homeowner Insurance, appraisals, title work, mortgage Insurance and flood certificates.
  • Determine qualifying Income for complex applicants including self employment (All tax returns)
  • Review and analyze borrower's documentation to determine income and repayment ability (pay-stubs, Tax returns, schedule C, wage earner and K-1s
  • Identify portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Successfully underwrite multiple property and loan types (Condo, 2-4 family, multifamily) conventional, Fixed ARM cash out and no cash out.
  • Work with processing team members to communicate errors and obtain missing information for current applications.
  • Review loans for completeness, accuracy and adherence to guidelines and provide decisions.
  • Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Follow through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
  • Determine loan conditions contingent on information received in loan applications and communicate requirements and or decisions to interested parties
Branch Manager/Vice President, 10/2012 to 12/2018
Connex Credit Union Collegeville, PA,
  • Branch Mortgage Originator, reviewed customer income documents and prepared files for loan processors for pre-qualifications, pre-approvals and applications.
  • Home Equity loan officer, took applications and followed process to closing at branch level.
  • Responsible for overall management of customer relationship building, service and portfolio growth
  • Identify and manage profitable relationships with small businesses within branch market by providing tailored business solutions
  • Develop, implement, and manage branch sales plan and processes to achieve business goals for a team of 7
  • Employee development and engagement. Leading through coaching and motivation which results in satisfied customers, and deepened customer relationships, retention and loyalty.
  • Develop, implement, and manage branch sales plans and processes, resulting in branch performing top in market excelling in all business goals
Assistant Branch Manager, 01/2010 to 10/2012
Univest City, STATE,
  • Trained and developed new team members in alignment with branch service standards and objectives.
  • Supervised team of 7 branch employees and made recommendations regarding performance evaluations.
  • Facilitated customer satisfaction by executing personal communication and frequent follow-ups.
  • Built rapport with account holders by reaching out with product recommendations and account updates.
  • Assessed budget plans and present costs to forecast trends and recommend changes.
  • Maximized efficiency through effective resource allocation and employee management.
Personal Banker, 07/2004 to 12/2009
Citizens Bank City, State,
  • Consistently ranked in top 25 for sales in district of over 200 bankers.
  • Advised clients on mortgage, education and personal loans.
  • Continually boosted branch production and revenue by 5% by consistently meeting all monthly and quarterly sales goals.
  • Developed top-performing teams, leading to increased branch efficiency and positive customer feedback.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Achieved consistent recognition as top sales performer.
  • Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
MBA: Economics, Expected in
California University Of Pennsylvania - California, PA

Completed some coursework

Bachelor Of Commerce: Economics And Management, Expected in 2006
University Of South Africa (UNISA) - Pretoria, South Africa

NY Life and Health License

NY Certified Notary Signing Agent

Additional Information

References available upon request

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Resume Strength

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Resume Overview

School Attended
  • California University Of Pennsylvania
  • University Of South Africa (UNISA)
Job Titles Held:
  • Mortgage Loan Underwriter
  • Branch Manager/Vice President
  • Assistant Branch Manager
  • Personal Banker
  • MBA
  • Bachelor Of Commerce

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