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Mortgage Underwriter Resume Example

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Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Summary

I have been in the Mortgage Industry for 8 years. I have strong eagerness to learn new things in the Mortgage/Banking industry. I have worked in Retail, and Wholesale Divisions and Underwrote Retail, Wholesale, Conventional, HELOC/2nd Mortgage (investors) and Mortgage Insurance Loan policy/matrix . I enjoy working in this field and my goal is to continue to grow professionally with a successful Mortgage/Banking Company.

Extremely organized strong research and problem solving skills, extensive experience with layering risk and evaluation, resolving complex and/or escalated credit issues. Analyzing risks and develops solutions for the risks and/or complex problems identified

Skills
  • Excellent oral and written communication skills
  • Time management skills including ability to prioritize tasks to meet deadlines
  • Production-oriented
  • Organizational skills
  • Quality control
  • Customer service-focused
  • Debt and credit management
  • Able to calculate W-2 Income, Schedule C and Rental Income
Education and Training
University of Bamenda WES EVALUATION, Expected in 2016 Master of Science : Geography - GPA :
Experience
Charles Schwab Corporation - Mortgage Underwriter
Ormond Beach, FL, 06/2017 - Current
  • Responsible for underwriting conforming residential, 1-4 family loans including loan amounts up to $765K for the Retail, Broker, and Wholesale Divisions.
  • Thorough understanding and ability to underwrite self-employed borrowers, including personal and business tax returns and conducting cashflow analysis based upon various tax schedules; Schedule C, E, 1040, 1065, K-1, 1120’s, and S-Corps.
  • Skilled in analyzing and utilizing of Fannie Mae’s (Desktop Underwriter ) and Freddie Mac's ( Loan Prospector).
  • Responsible for managing a daily pipeline and workflow
    processes to ensure efficiency and consistently met and
    exceeded all standards of measurement while I decisoned
    loans to Investor requirements.
  • Effectively communicated with processors, mortgage loan officers, closers and management of changes, status updates, findings, and credit decisions.
  • Developed and maintained an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans.
  • Demonstrates proficiency in automated underwriting systems (DU, LP)Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.
  • Used background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed guidelines when warranted.
  • Managed assigned pipeline; Disposition loans within 24 hours of receipt and timely resolves presented conditions. This includes initial submissions, re-submissions, and final decisions of loan applications.
  • Ability to adapt to changing environment when priorities shift while maintaining sound lending judgment and strong analytical skills.
Charles Schwab Corporation - Mortgage Underwriter
Portland, ME, 01/2015 - 06/2017
  • Underwrote mortgage loans per FNMA and FHLMC and individual investor’s policies and procedures. Coordinated all aspects of the process including communication with brokers and investors involved in the transactions. Analyzed loan file data including credit, income, debts, property, CLTV, and borrower stability to determine insurability.
  • Provide timely, consistent and well calculated credit decisions confidently and clearly articulating the reasoning behind you decision.
  • Responsible for analyzing preliminary title commitments and clearing all requirements in order to ensure clear and marketable title.
  • Maintained a close working relationship with both Loan Officers, Processors and Brokers, answering questions and calling out decisions.
  • Analyzed the risk of a loan transaction and provide justification and compensating factors to support loan decision.
  • Performed required analysis of property appraisals to ensure subject properties meet the Bank’s appraisal criteria.
  • Documents all decisions to ensure each underwritten file meets the Bank’s credit risk criteria and individual loan product guidelines.
  • Referred to by majority of peers as always having a positive outlook on life, work environment changes, and general challenges that face us all daily.
Century Communities - MORTGAGE COMPLIANCE ANALYST
Austin, TX, 06/2014 - 12/2014
  • Knowledge and application of related Federal, State and industry laws and regulations pertaining to mortgage lending.
  • Strong planning, organization, and decision-making skills.
  • Considerable knowledge and interpretation of related Federal, state and industry laws, regulations, legal opinions and related matters pertaining to mortgage lending, with the ability to identify and interpret compliance related issues and related activities.
  • Maintain effective performance under conditions such as pressure of tight deadlines, rigorous questioning of their work, and opposition and criticism from parties disagreeing with proposals.
  • Review, analyzed and document all areas of the mortgage file to ensure accuracy, completeness, and so that OVM financial is in compliance with underwriting, internal and regulatory guidelines and investor salability.

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Resume Overview

School Attended
  • University of Bamenda
Job Titles Held:
  • Mortgage Underwriter
  • Mortgage Underwriter
  • MORTGAGE COMPLIANCE ANALYST
Degrees
  • Master of Science