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Mortgage Underwriter Resume Example

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MORTGAGE UNDERWRITER
Professional Summary

Analytical and detailed-oriented professional mortgage underwriter seeking a challenging career that utilizes skills and working knowledge of reviewing and underwriting requirements for LP/DU, FNMA,FHLMC, FHA, VA and Conventional loans. Experience in banking and lending environment with basic knowledge of residential mortgage lending with solid knowledge of the current local market and regulations. Proficient in reviewing appraisals for accuracy and property eligibility to ensure that the value is supported by the comparable properties provided, and outside sources obtained through quality control measures. Highly trainable with a goal to be an expert and get a chance to be part of a team contributing towards the growth of the organization, and also to be instrumental in delivering current procedures to new employees with a focus on improving their skills to attain business and company objectives. Versatile in building and sustaining relationships at all levels. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.

Skills
  • Debt-to-Income Ratio Calculations
  • Loan to Value Ratio Calculations
  • Application Analysis
  • Quality assurance
  • Data Analysis
  • Time management
  • Risk management
  • Relationship building
  • Excellent Verbal and written communication skills
  • Loss protection
  • Proficient in Microsoft Applications
  • Asset Statements
  • Mortgage Broker Collaboration
Work History
Mortgage Underwriter02/2019 to 12/2020
Company Name, City, State
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Verified integrity of applicants' information to minimize fraud.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Ran Desktop Underwriter (DU) with updated calculations, appraisal value prior to final approval ensuring both DU and AUS systems match.
  • Ran Fannie Mae in advance to ensure all data entry in file is consistent.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
  • Maintained current understanding of lender requirements and documentation guidelines.
  • Maintained company standard for productivity level, and complies
    with company policy of 48 hour underwriting turnaround time and
    24 hour turnaround time for clearing conditions.
HR Clerk & Shipping Clerk / Unloader/Order Processor06/2015 to 01/2019
Company Name, City, State
  • Monitored and evaluate stock to check quality of ordered merchandises.
  • Recorded data into remote data terminals.
  • Trained new members to improve their skills and meet organizational objectives.
  • Execute merchandise inspection to compare with manufacturing codes.
  • Finalize stock for shipping through forklift, pallet jack, manual jack and cherry picker.
  • Maintain safety, productivity, and quality standards.
  • Prepared monthly, weekly and daily logs using Microsoft Office Suite.
  • Improved organizational filing systems for confidential employee records, resulting in improved accessibility and efficiency.
  • Met 99.99% quality goal and exceeded freight processing goal of 6900cases per day by processing 10000cases daily
Jr Underwriter01/2011 to 01/2014
Company Name, City, State, Cameroon
  • Reviewed and submitted loan applications for further process.
  • Analyzed documentation to complete basic requirements before submission.
  • Collaborated with clients to communicate and resolve issues.
  • Utilized appraisal valuation tools and automated underwriting services to improve process efficiency.
  • Negotiated loan status within loan organization system and internal / external parties.
  • Monitored underwriting procedures to ensure all activities in compliance with company standards.
  • Evaluated process to maintain productivity standards.
  • Reviewed 3 to 5 mortgage loan files daily
Education
Associate of Applied Science: : Recording Technology, Expected in 12/2021
Dallas College - City
NAMU-CMMU Certified: : Certified Master Mortgage Underwriter , 01/2021
National Association Of Mortgage Underwriters - City
Bachelor of Science: : Business And Managerial Economics, 08/2014
University Of Yaoundé II - City, Cameroon
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Resume Overview

School Attended

  • Dallas College
  • National Association Of Mortgage Underwriters
  • University Of Yaoundé II

Job Titles Held:

  • Mortgage Underwriter
  • HR Clerk & Shipping Clerk / Unloader/Order Processor
  • Jr Underwriter

Degrees

  • Associate of Applied Science : Recording Technology , Expected in 12/2021
    NAMU-CMMU Certified : Certified Master Mortgage Underwriter , 01/2021
    Bachelor of Science : Business And Managerial Economics , 08/2014

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