Mortgage Underwriter resume example with 4+ years of experience
JessicaClaire
Montgomery Street, San Francisco, CA94105(555) 432-1000, resumesample@example.com
Professional Summary
Skilled mortgage underwriter focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria. Successful in analyzing and rendering credit decisions on mortgage loan applications and investor guidelines in accordance to Fannie Mae and Freddie Mac. Proven expertise in identifying unacceptable risk and preventing fraud.
Skills
Residual Incomes
Residential Loans
Application Analysis
FNMA Guidelines
FHLMC Guidelines
Asset Statements
Debt-to-Income Ratios
Loan to Value Ratio Calculations
Financial analysis aptitude
Deep Knowledge of project coordination and management
Work History
06/2019 to CurrentMortgage Underwriter First Entertainment Credit Union | Culver City, CA,
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Verified integrity of applicants' information to minimize fraud.
Balanced risk against profitability to make optimal business decisions.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Developed and maintained relationships with local real estate agents.
Reviewed and edited loan agreements to promote efficiency and accuracy.
Originated, reviewed, processed, closed and administered customer loan proposals.
Recommended loan approvals and denials based on customer loan application reviews.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Successfully closed average of 10 loans per month.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
11/2017 to 05/2019Mortgage UnderwriterFirst Entertainment Credit Union | Hollywood, CA,
Applied grades to each loan application based on established criteria to keep institutional risk low.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Successfully closed average of 6 loans per month
Worked with processing team members to communicate errors and obtain missing information for current applications.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Verified integrity of applicants' information to minimize fraud.
Recommended loan approvals and denials based on customer loan application reviews.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
09/2016 to 10/2017Loan ProcessorOklahoma Employees Credit Union | Oklahoma City, OK,
Handled any conditions sent from underwriting departments.
Reviewed financial statements and contacted institutions and customers to clarify details.
Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
Maintained long-term relationships with customers to provide best-in-class customer service
Collaborated with stakeholders about extension, guarantees and charges
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
Education
Expected in 11/2006Bachelor of Arts | PhilosophyObafemi Awolowo University, Ile-Ife Nigeria, GPA:
Result has been evaluated by a member of the USA National Association of Credential Evaluation Services.
Any information uploaded, such as a resume, or input by the user is owned solely by the user, not LiveCareer. For further information, please visit our Terms of Use.