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mortgage underwriter resume example with 13 years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
Career Focus
Seeking a challenging career that utilizes my skills in the area of competence and enriches my knowledge, and gives me a chance to be a part of a team that contributes towards the growth of the organization, thereby yielding the benefits of job satisfaction and professional growth. Experience in banking and lending environment with basic knowledge of residential mortgage lending with solid knowledge of the local market and regulations Excellent written verbal and communication skills Superior interpersonal and organizational skills Profound working knowledge of pricing and underwriting requirements for LP/DU, FNMA, FHLMC, FHA, VA, HARP , Commercial Lending, and Conventional loans. Highly motivated and driven to succeed Proven leadership and strong integrity Dependable and adaptable to operate within a fast-paced work environment
Summary of Skills
Knowledgeable in the following the computer programs: , Calyx, Core Logic, Microsoft Windows XP, Excel, Outlook Express, Power Point, Word, Lexis Nexis, and Encompass *Excellent analytical skills *Awesome leadership , and sound decision making skills
Accomplishments
Professional Experience
Mortgage Underwriter, 01/2012 to 01/2014
Charles Schwab CorporationLynnwood, WA,
  • Underwrote loan applications according to bank policy while maintain clear understanding of product guidelines in order to render the appropriate decision.
  • Calculated the borrower's income (including wage earner, self-employed, rental and corporations).
  • Analyzed credit reports and addressed any issues that might hinder the approval decision.
  • Ran Desktop Underwriter (DU) with updated calculations, appraisal value prior to final approval ensuring both DU and AUS systems match.
  • Run Fannie Mae in advance to ensure all data entry in file is consistent.
  • 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.
  • Communicated daily with internal and external partners in order to provide exquisite customer service.
  • Remained current on all pending and proposed state and federal regulatory changes impacting consumer lending.
  • Reviewed appraisals for accuracy and property eligibility, ensuring the value is supported by the comparables provided, and outside sources obtained through quality control measures.
  • Reviewed tested and evaluated the accuracy of pre-funding loan documentation to determine potential fraudulent misrepresentations; violations of company controls and policies; and possible violations of relevant laws/regulations.
  • Trained new employees on current procedures.
Mortgage Loan Consultant, 01/2010 to 01/2012
Capitol Federal Savings BankOverland Park, KS,
  • Worked closely with clients and described residential loan benefits and features.
  • Conducted cold calls to prospect businesses; called Real Estate agents to solicit sales.
  • Determined applicant's financial status, credit, and property assessment to determine feasibility of granting loan requests.
  • Verified qualifications, employment, and retrieve credit information.
  • Complied required documents to expedite processing and underwriting.
  • Provide superior client services throughout the full cycle of the loan and followed up after closing to ensure complete client satisfaction.
Mortgage Underwriter, 01/2006 to 01/2010
Charles Schwab CorporationManchester, NH,
  • Underwrote Prime, Subprime, Conforming, ,Non-Conforming, and EA/LP/DU/Desktop mortgages.
  • Complied with investor guidelines, and Departmental Bank policies when performing the review of mortgage loans.
  • Reviewed income assets, credit reports appraisal documents, income and liabilities for qualifying ratios and reviewed files with high credit Tracked loan application from its inception point to the maturity.
  • Used sound underwriting decision when reviewing the complete file e.g.
  • credit, income, assets, appraisal, title and various fraud analysis report.
  • Ensured compliance with company policies, underwriting guidelines and lending program requirements.
  • Exceeded daily production and, end of the month closing goals.
  • Received Credit Lending Authority of $1M.
  • Responsible for training staff on new products and procedures.
Mortgage Loan Officer, 01/2001 to 01/2006
First Interstate Bancsystem, Inc.Caldwell, ID,
  • Determined client needs and serve as mortgage product expert to meet client needs.
  • Maintained daily workflow prioritization, and communicate accordingly, to ensure all urgent matters are resolved, and purchase transactions do not carry beyond targeted close date.
  • Performed pipeline tasks necessary to clear loan conditions, and preview all conditions that are submitted for underwriting review.
  • Performed VOE's, run DU, order Flood Certification, print USPS/address verification, run Fraud guard, order SSN.
  • Determined customers' eligibility and acceptability of loan risk and present the best options.
  • Met and exceeded customer service standards throughout the loan process.
  • Reviewed DU or LP findings, income documentation, sales contracts, title reports, appraisals, and credit reports to ensure loan is within investor guidelines.
  • Demonstrated integrity in all transactions.
  • Adhered to US Banking Government Regulations, and all State and Federal Laws.
Education
Bachelor of Arts: Liberal Studies, Expected in
University of Memphis - ,
GPA:
Liberal Studies
Professional Affiliations
Skills
analytical skills, Banking, benefits, closing, contracts, Credit, client, clients, customer service, data entry, decision making, documentation, features, financial, Government Regulations, leadership, Lexis Nexis, loan documentation, Logic, Excel, Outlook Express, Power Point, Microsoft Windows XP, Word, mortgage loans, policies, Prime, quality control, Real Estate, sales, sound, Underwriter, underwriting, workflow

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Resume Overview

School Attended

  • University of Memphis

Job Titles Held:

  • Mortgage Underwriter
  • Mortgage Loan Consultant
  • Mortgage Underwriter
  • Mortgage Loan Officer

Degrees

  • Bachelor of Arts

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