Mortgage Underwriter resume example with 8+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • H: (555) 432-1000
  • C:
  • Date of Birth:
  • India:
  • :
  • single:

Detail-oriented Mortgage Underwriter with expertise in reviewing and analyzing Income, Assets, Credit, Appraisals and other documents to determine the borrower's ability to repay. Responsible for preparing a careful, detailed analysis of the loan package to determine if a potential borrower presents an appropriate level of risk.

  • Current knowledge of Fannie Mae, Freddie Mac guidelines
  • Proficient in Mortgage Operating System and have knowledge of automated underwriting systems including DU, and LP
  • Calculate debt-to-income ratios, LTV and income
  • Excellent written and verbal communication skills
  • Excellent analytical skills
  • Excellent credit risk and self-employed analysis skills
  • Strong mathematical and computer skills
  • Superior internal/external customer service skills
  • Ability to multi-task and work in a fast pace environment
  • Ability to work independently, as well as part of a team
  • As part of a Team, ability and attitude to work closely with Loan Originators, when necessary.
Mortgage Underwriter, 11/2018 - 12/2020
City National Bank Of West Virginia Lexington, VA,
  • Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
  • Responsible for examining loan documentations for accuracy and completeness while working with loan originator and processor to secure all required documents.
  • Review credit packages for credit quality, property eligibility, properly executed documentation, and compliance. Approve, suspend, or deny credit requests based on established industry standards. Communicate credit decisions to the mortgage loan officer and processor, and clarify any necessary requirements to resolve outstanding credit issues.
  • Monitor and update manuals and software for regulatory, industry, and product changes as required.
  • Review and clear conditions based on company and investor guidelines within a designated timeframe.
  • Provide professional and knowledgeable assistance and communication to customers and internal groups
  • Adhere to compliance procedures and participate in required compliance training.
  • Reviews all loan documentation to ensure accuracy and completeness and compliance with internal, regulatory, mortgage insurance and investor guidelines.
  • Approves loan or submits proposed denial to management within established timeframes.
Mortgage Underwriter, 10/2015 - 11/2018
City National Bank Of West Virginia Milton, WV,
  • Using any and all automated or manual underwriting engines review, analyse and underwrite files on first and second mortgage loans for various lenders according to their prescribed guideline.
  • Review and verify all financial documents to assess economic health of loan applicant including verifying income and employment as well as applicant’s credit history.
  • Source additional information as needed when inconsistencies are found.
  • Scrutinize accounts from which the applicant’s funds are originating to determine the credit worthiness of the applicant.
  • Assess the property appraisal to ensure accuracy and appropriateness relative to loan being requested.
  • Ensure conditions have been reviewed and approved for compliance and completion of loan.
  • Maintains current knowledge of lender and investor requirements.
  • Assists processors and other underwriters in understanding underwriting decisions and conditions.
  • Make recommendations for credit and final approval to gain lending authority.
Loan Processor, 08/2012 - 09/2015
Dominium Management Services, Inc Houston, TX,
  • Work with Loan Officers to ensure timely processing
  • Schedule and track closing dates, contingency dates and other loan lock expirations.
  • Review loan approvals and address all conditions required for underwriting and closing.
  • Receive on-going, comprehensive training and become an expert on home loan products and the mortgage process.
  • Scheduling and tracking of closing dates, contingency dates and loan lock expirations.
  • Prepare and submit timely and accurate loan files to the Closing Department.
  • Use technology to manage your loan pipeline as well as conduct credit and underwriting analysis.
  • Provide top-notch customer service and professional, consultative guidance to your clients.
  • Proactively communicate all status updates to client
  • Review loan conditions with client and Account Executive to ensure go forward expectations are clear and timelines are met
  • Mitigate loan pipeline issues by working with internal partners including underwriting, secondary and closing
  • Perform pipeline follow-up to clear loan conditions and preview all UW conditions submitted
  • Communicate with clients either to request or to provide information and/or documents as needed
  • Act as liason between Newfi and client/customer
  • Schedule/coordinate closings with customer and closing agent
Education and Training
Bachelor of Science: Economics, Expected in 2011
University Of Baltimore - Baltimore, MD,
Activities and Honors

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Resume Overview

School Attended

  • University Of Baltimore

Job Titles Held:

  • Mortgage Underwriter
  • Mortgage Underwriter
  • Loan Processor


  • Bachelor of Science

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