Mortgage Underwriter resume example with 6+ years of experience
JessicaClaire
, , 100 Montgomery St. 10th Floor(555) 432-1000, resumesample@example.com
Summary
Dedicated and hardworking mortgage underwriter with 3 years of experience in underwriting and following the process of evaluating the risk associated in lending a loan to a borrower. Exceptional analytical, problem-solving and strong communication skills. Excellent attention to details, deadline-driven individual, Strong individual/team-oriented spirit, READY to learn and face new challenges.
Skills
Negotiation proficiency
Production-oriented
Influencing business growth
Managing risk
Analyzing data
Loss prevention
Data collection
Knowledge of conventional/FHA loan process
Organizational skills
Experience
05/2019 to CurrentMortgage UnderwriterCity National Bank Of West Virginia | Nicholasville, KY,
Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
Worked with colleagues to review and accept or deny new and renewal business.
Inspected financial statements, credit information and title data to complete underwriting process.
Met business growth goals through collaboration with internal stakeholders and departments.
Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.
Analyzed risk of loss related to catastrophe, possible loss or severity.
Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Assessed loan conditions and provided effective feedback regarding decisions.
Performed daily maintenance of loan applicant database.
Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
Provide credit decisions in alignment with internal and investor underwriting guidelines to deliver clean, fully documented loans to the market
Identify risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies.
Review of all loan documentation submitted, included but not limited to analysis of loan application, credit, income asset, and liability documentation to calculate the risk assessment.
Underwrite 40-80 new files per month, with a turn time of less than 1 business day with efficient management of new decisions and clearing conditions.
Call loan officers, processors, clients, and loan investors to creatively resolve loan structuring question, manage exceptions, and manage documentation requirements to quickly resolve items necessary for approval.
12/2016 to 04/2019Mortgage UnderwriterCity National Bank Of West Virginia | Paintsville, KY,
Inspected financial statements, credit information and title data to complete underwriting process.
Worked with colleagues to review and accept or deny new and renewal business.
Analyzed risk of loss related to catastrophe, possible loss or severity.
Conducted comprehensive analysis and evaluated risk to control underwriting loss.
Review regulatory compliance with disclosures, validate data used by an automated underwriting system to decision loans, and perform a comprehensive review of the appraisal report.
Assessed loan conditions and provided effective feedback regarding decisions.
Performed daily maintenance of loan applicant database.
Apply and interpret company underwriting guidelines and make sound credit decisions.
Review loan files to reach a credit decision.
Conduct full underwriting of conventional loans secured by multiple properties in accordance with DU/LP lender guidelines.
Update information regarding the loan transaction in the loan origination system with the appropriate status and loan conditions. In addition, the underwriter will review and clear conditions prior to closing.
Keep current on changing underwriting guidelines and company guidelines.
Verifies data accuracy by reconciling data entered into the loan origination system with the documentation provided by the member or third parties.
Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
Met business growth goals through collaboration with internal stakeholders and departments.
Analyzed portfolio risks, including issues associated with underlying business practices and fraud exposure.
09/2014 to 06/2016Database AdministratorLockheed Martin Corporation | Kennedy Space Center, FL,
Specified user access levels for each database segment to protect database integrity and company information.
Database installation and configuration.
Answered customer requests with information about product availability, shipping information and status updates.
Oversaw investigation and resolution of customer and vendor issues.
Reported delays, accidents or other traffic and transportation situations.
Monitored dispatch board and adjusted call priorities regularly based on caller needs.
Managed daily delivery and work schedules to maximize coverage.
Kept detailed and updated records of calls in physical and electronic databases.
Understanding and implement Database best practices
Tested and modified databases to determine and correct issues.
Assessed customer needs and goals through communication and system evaluations to modify existing databases for personalized customization.
Education and Training
Expected in 12/2013Bachelor of Arts | LAWUniversity Of Dschang Cameroon, Dschang Cameroon, GPA:
Accomplishments
Reviewed, approved, and processed more than 2-3 applications per day.
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