Enthusiastic Underwrite eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in Mortgage Underwriter. Experienced Underwriter with over 5 years of experience as an Underwriter. Excellent reputation for resolving problems and improving customer satisfaction. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled Mortgage Underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
• Data mining using soft computing techniques
• Good team player
• Excellent oral and written communication.
• Ability to work shifts within extended hours of operation: 8:00am to 6:00pm.
• In-depth knowledge of credit and mortgage loan underwriting practices.
• Knowledge of the risk analysis approach and the residential appraisal process (ability to
understand and interpret appraisal reports).
• Demonstrated interpersonal and communication skills.
• Strong customer service orientation and negotiation/selling skills.
• Must be a self-starter and results oriented.
• Ability to thrive in a constantly changing environment and to perform well in a high volume, high
• Ability to make decisions under pressure while adhering to underwriting guidelines.
• Provide the highest level of internal and external customer service.
•Manage underwriting /service process for key lender accounts.
•Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company.
Verify/validate all required mortgage/client information relative to a near prime environment.
Effectively communicate credit decisions to sales teams and mortgage originators, supporting both the adjudication and sales activities.
Highlight opportunities to restructure and repackage mortgage applications to mortgage originators.
Build rapport and trust with both mortgage originators and sales teams
Provide timely and accurate credit decisions to mortgage originators.
Negotiate, structure and evaluate mortgage applications with the defined scope of approval authority.
Evaluate residential appraisals with a detailed approach, escalating any marketability concerns.
Prepare recommendations from residential loans that are over defined scope of approval limit and present submissions to the appropriate authority level.
Ensures awareness and compliance of all aspects of the QA and Audit program.
Maintain knowledge of all applicable underwriting guidelines.
Fraud detection and mitigation.
Performs daily pipeline management.
Provides excellent service to all partners and end users.
Establish loan files manually and electronically and order all exhibits soon after the file is received.
Ensure to deposit fees of loan application and order appraisals as defined by manager.
Report manager weekly about distribution to apt divisions and corporate offices.
Develop and oversee loan disbursements, documents and reports along with obtain credit and financial information as required.
Prepare closing, develop closure instructions, supervise contingencies and verify lock information.
Collect credit and varied documents from customers as well as third parties required to support the decision of loan approval.
Head responsibility for loan processing.
Ensure loans are processed as per established company procedures and policies.
Review title binder along with closure documents for correctness.
Prepare and present notes along with preliminary closure documents to respective warehouses.
Transfer loan files to the corporate office under direction of the supervisor.
Present any problem largely affecting the decision to the Unit Supervisor.
Process, close, present, service and record loan related notes and disbursements etc.
Provide administrative as well as operational support for one or more loan areas.
Prepare draft of loan presentations and ensure to clear all determined loan exceptions.
Identify several types of loans and credit options available and terms and conditions for that and services.
Collected copies of financial statements, credit histories and other financial information of loan applicants.
Analyzed applicants financial status, credit history, and financial goals to determine how best to assist.
Coordinated with the applicant for getting information about loan applications and answered questions.
Analyze the loan agreements and make sure that they are complete and accurate according to the policy.
Submitted the loan applications to credit analysts for further verifications and suggestions.
Negotiate payment arrangements with customers and credit institutions to assist in repairing credit history.
Acted as a liaison for clients, and ensured complete customer satisfaction during the credit repair process.
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