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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

Hardworking and reliable Mortgage Underwriter with strong professional experience and judgment in a fair and objective manner in reviewing and evaluating application data to determine each applicant’s criteria to include debt-to-income ratios, loan-to-value ratios, credit score and property valuation while assessing and identifying risk issues (including credit, collateral and legal risk) and the potential for fraud. . Highly organized, proactive and punctual with team-oriented mentality.

Skills
  • Possess excellent written and verbal communication skills
  • Superb interpersonal and customer service skills
  • Exceptional decision-making ability
  • Proficient with Microsoft Office Suite (Word, Excel, Access, and PowerPoint) including microsoft outlook
  • Basic understanding of underwriting guidelines (FNMA, FHLMC)
  • AUS experience (DU, LP)
  • Up-to-date knowledge of all applicable underwriting policies and guidelines and industry rules and regulations
Education and Training
University Of Buea Buea, Expected in 2010 Bachelor of Science : Economics - GPA :
Experience
First Tech Credit Union - Mortgage Underwriter
Loveland, CO, 01/2019 - 04/2021
  • Ability to analyze and calculate all income types (wage earner, retirement, self-employed)
  • Analyze credit data and financial statements of individuals or firms to determine the risk involved in extending credit or lending money
  • Evaluate the entire credit package and collateral for residential mortgage loans, read and interpret AUS Results
  • Communicate loan decisions to appropriate parties verbally and in writing
  • Document and review all necessary financial information and documentation
  • Prepare reports based on the results from the risk analysis for use in decision-making
  • Ability to work in a fast-paced environment and meet daily goals
  • Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
  • Able to follow AUS findings as well as manually underwrite loans.
First Tech Credit Union - Mortgage Underwriter
N/A, AZ, 02/2016 - 01/2019
  • Underwrite mortgage loan files for agency compliance and investor guidelines
  • Approve or approve with conditions loan submission after careful consideration and explore possible alternatives before resorting to a suspense or denial
  • Assess the risk to the company and our investors to ensure salability of the loan after closing
  • Re-reviewing files, signing off on conditions, and moving files to clear to close
  • Reviewing and calculating qualifying income for borrowers, including complex self-employed borrows and personal/business tax returns
  • Reviewing credit reports to determine if borrowers meet credit requirements?
  • Reviewing appraisals to identify and resolve discrepancies
  • Determining conditions for loan acceptance?
  • Working hand-in-hand with loan processors and originators to ensure conditions are completed and cleared
  • Helping others to ensure information is accurate and in compliance with guidelines, policies and requirements
First Entertainment Credit Union - Mortgage Loan Processor
Hollywood, CA, 01/2014 - 01/2017
  • Responsible for taking incoming calls throughout the day and origination of self-generated residential mortgages.
  • Complete loan applications, quote loan programs and qualify loans.
  • Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, other financial information as well as all necessary documentation to submit a loan.
  • Explain to clients the different types of loans and credit options that are available, as well as the terms of those services.
  • Review loan agreements to ensure that they are complete and accurate according to policy.
  • Maintain regular contact, connection and open communication with clients to help guide them through the loan transaction process.
  • Responsible for ensuring that outstanding service is delivered to our clients.
  • Manage personal loan pipeline and the loan process to ensure loans fund in a timely manner.

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Resume Overview

School Attended
  • University Of Buea
Job Titles Held:
  • Mortgage Underwriter
  • Mortgage Underwriter
  • Mortgage Loan Processor
Degrees
  • Bachelor of Science