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Mortgage Underwriter resume example with 6+ years of experience

JC
Jessica Claire
, , 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 Current Mortgage Underwriter City 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 04/2019 Mortgage Underwriter City 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 06/2016 Database Administrator Lockheed 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 12/2013 Bachelor of Arts | LAW University Of Dschang Cameroon, Dschang Cameroon, GPA:
Accomplishments
  • Reviewed, approved, and processed more than 2-3 applications per day.

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Resume Overview

School Attended

  • University Of Dschang Cameroon

Job Titles Held:

  • Mortgage Underwriter
  • Mortgage Underwriter
  • Database Administrator

Degrees

  • Bachelor of Arts

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