mortgage underwriter resume example with 3+ years of experience
Jessica
Claire
resumesample@example.com
(555) 432-1000,
Montgomery Street, San Francisco, CA94105
:
Professional Summary
Meticulous Mortgage loan underwriter eager to bring 5 -year background in underwriting Mortgage to loan companies. Successful in revamping policies and procedures to resolve discrepancies and prevent future recurrence. Team-oriented and adept in developing high-performing teams. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.
Skills
Superior Organization Skills
Loans
Team Player
Excellent Time Management
Sales expertise
Loan Processing
Microsoft Office
Appraisals
Information Verification
Application Preparation
Contract Finalization
Processing Procedures
Financial Document Review
Education
Southern New Hampshire UniversityHooksett, NHExpected in 05/2021 ā āBachelor of Science:Healthcare Administration - GPA:
Malcolm X Community College Chicago, IL, Expected in 04/2017 ā āAssociate of Science:Nursing - GPA:
Certifications
Certified Scrum Master - CSM- Scrum Alliance.
SAFe 4 Practitioner Certification- Scaled Agile Inc.
Work History
City National Bank Of West Virginia - Mortgage Underwriter Wayne, WV, 07/2020 - Current
Calculated group and individual renewal rates based on customers background, industry and demographic information.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
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.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Trained junior team members in underwriting procedures and loan quality grading standards.
Verified integrity of applicants' information to minimize fraud.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Supported review and acceptance or denial of new or renewal business.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Met with customers, agents and brokers to negotiate coverage, price and service delivery.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
Determined and documented loan conditions and communicated requirements and decisions.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Successfully closed average of 15 loans per month.
Originated, reviewed, processed, closed and administered customer loan proposals.
Recommended loan approvals and denials based on customer loan application reviews.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Developed and maintained relationships with local real estate agents.
Planned and dealt with payment schedules.
Minimized losses by accomplishing 90% sales recovery.
Fielded customer complaints and provided solutions.
Worked with underwriters to fix application problems and resolve issues.
Achieved record-low delinquency ratios and 90% sales recovery rate.
Explained different types of loans pertaining to client situations.
Reviewed loan files and updated to match current standards.
Reviewed over 35 financial statements per month.
Developed prospects for new loans by conducting 15 cold calls weekly.
Citizens Bank - Montgage Underwriter City, STATE, 01/2015 - 06/2016
Met with customers, agents and brokers to negotiate coverage, price and service delivery.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Review loan mortgages and defended lenders from FNMA, FHLMC and MI claims.
Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
Assisted other underwriter's by calculating group and individual renewal rates based on customers' background, industry and demographic information.
Calculated group and individual renewal rates based on customers background, industry and demographic information.
Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
Worked closely with Loan Processors and Loan officers to maintain optimum levels of communication to effectively and efficiently complete projects.
Provided high level of assistance to Loan officers and Loan processor helping with review, classification, coding and rating of applications.
Determined and documented loan conditions and communicated requirements and decisions.
Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Supported review and acceptance or denial of new or renewal business.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
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