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mortgage underwriter resume example with 18+ 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
  • :
Summary

Mortgage professional who thrives in a dynamic work environment, able to handle multiple tasks and high volume with ease and efficiency. Detailed oriented, with in-depth knowledge of Fannie, Freddie and investor specific guidelines.

Highlights
  • 15 years mortgage experience
  • Front-line Underwriter
  • Quality Assurance
  • Manual Underwriting
  • MI Underwriting experience
  • DU and LP AUS
  • Complex mortgage loans (including self-employed and multiple investment properties)
  • Collateral Review
  • Fraud analysis
Experience
Mortgage Underwriter , 2012 to Current
First Horizon National Corp.Houston, TX,
  • Review and evaluate loan documentation, to determine willingness to repay
  • Render approval or decline decisions
  • Performed in-depth collateral reviews
  • Conforming and non-conforming loans
  • Underwriting authority up to $417,001
Corporate Mortgage Underwriter (Contract UG-Hired direct with Aegis), 06/2005 to 08/2007
First Continental MortgageRapid City, SD,
  • Underwriting closed loans for bulk sales and repurchases
  • Performed compliance review, BPO and EPD audits to determine loans were in accordance with investor, lender and compliance guidelines
  • Reviewed loans to identify fraud, wrote rescission recommendations based on adverse affect of findings of misrepresentation
  • Increased loans sold to investors by analyzing contested loans, submitting rebuttals and effectively communicating findings
  • Underwriting overflow complex files and escalations from branch and offered alternative options or decisions working loan scenario and exceptions desk
  • Underwriting authority up to $650,000, reported directly to Regional Underwriting Manager
Mortgage Loan Processor , 2004 to 09/2004
Southwest Stage Funding Llc, Cascade Financial ServicesOrlando, FL,
  • Requisitioned mortgage documentation from borrower and third parties
  • Reviewed and evaluated loan documentation
  • Submitted and cleared conditions as required by underwriting
  • Prepared closing documentation
Contract Mortgage Underwriter, 09/2002 to 09/2003
First Horizon National Corp.City, STATE,
  • Manually underwriting non-conforming complex loans and escalations
  • Reviewed and evaluated loan documentation, to determine willingness to repay on non-conforming loans
  • Render approval or decline decisions
  • Performed in-depth collateral reviews
  • Non-conforming purchases and refinances
  • Underwriting authority up to $650,000
Sr. Loan Processor , 09/2001 to 07/2002
Wachovia Mortgage (FKA First Union)City, STATE,
  • Requisitioned mortgage documentation from borrower and third parties
  • Reviewed and evaluated loan documentation, submitted and cleared conditions as required by underwriting
  • Effectively communicated loan status with 3rd parties
  • Developed and maintained reports
Mortgage Underwriter, 08/1996 to 04/2001
Cendant MortgageCity, State,
  • Underwriting authority on all conforming loans
  • Processed conventional conforming and non-conforming loans
  • Requisitioned mortgage documentation from borrower and third parties
  • Review and evaluate loan documentation
  • Render approval or decline decisions
  • High volume processor
Education
BBA: Human Resource Management, Expected in to Western Governors University - Houston, TX
GPA:

December 2013

: Interdisciplinary Studies, Expected in to Letourneau University - Houston , TX
GPA:

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Resume Overview

School Attended

  • Western Governors University
  • Letourneau University

Job Titles Held:

  • Mortgage Underwriter
  • Corporate Mortgage Underwriter (Contract UG-Hired direct with Aegis)
  • Mortgage Loan Processor
  • Contract Mortgage Underwriter
  • Sr. Loan Processor
  • Mortgage Underwriter

Degrees

  • BBA

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