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mortgage underwriter resume example with 6+ years of experience

Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Summary

Experienced Mortgage Underwriter with a demonstrated history of working in the financial services industry. Skilled in Accounting, Decision-Making, Financial Statements, Data Analysis, and Credit. Strong finance professional.

Skills
  • Proficient Microsoft Office skills
  • Strong analytical skills with high attention to detail and accuracy
  • Excellent verbal, written, and interpersonal communication skills
  • Ability to interact with all levels of an organization
  • Knowledge and understanding of consumer loan underwriting or credit in mortgage lending
  • Experience with underwriting policies and procedures such as risk-layering and asset evaluation
Education and Training
Kean University Union, NJ Expected in 01/2015 Bachelor of Science : Information Technology - GPA :
Experience
Enterprise Bank - Mortgage Underwriter
Creve Coeur, MO, 05/2018 - 12/2021
  • Mortgage professional responsible for underwriting “Retail Mortgage Products”. Underwriting portfolio includes New Construction, Purchase, R/T Refinance, and Cash-Out Refinance’s for Conventional loan.
  • Responsible for using AUS systems such as DU & LP for investor-based recommendations and subject approvals.
  • Manages assigned pipeline; Disposition loans within 24 hours of receipt and timely resolves presented conditions. This includes initial submissions, re-submissions, and final decisions of loan applications.
  • Effectively communicate with processors, mortgage loan officers, closers and management of changes, status updates, findings, and credit decisions
  • Responsible for reviewing credit applications, while accounting for appropriate debt-to-income / housing ratios.
  • Responsible for calculating qualifying income by W-2 wage earners, Self-employed Borrowers, and Independent Contractors.
  • Responsible for reviewing and conducting cashflow analysis based upon various tax schedules; Schedule C, E, 1040, 1065, K-1, 1120’s, and S-Corps.
  • Maintain a current lending authority of $765k.
  • Managed pipeline of loans of 80 plus while still maintaining Outstanding Customer Service.
  • Excellent interpersonal and problem solving skills, team player, and ability to work in a fast-paced environment.
Enterprise Bank - Mortgage Underwriter
San Diego, CA, 01/2017 - 04/2018
  • Evaluated income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns.
  • Reviewed LTV, credit report, applications, etc. to ensure that each loan meets company standards for sale into secondary market.
  • Examined loan documentation to ensure accuracy and completeness.
  • Analyzed the risk of a loan transaction and provide justification and compensating factors to support loan decision.
  • Managed all daily conditions due within the ENCOMPASS system, keeping to service level agreements for turn times.
  • Managed an active pipeline of 60-80 loans with a focus on pipeline velocity.
  • Provided timely, consistent and well calculated credit decisions confidently and clearly articulating the reasoning behind my decision
Enterprise Bank - Mortgage Underwriter
Scottsdale, AZ, 01/2016 - 01/2017
  • Position includes processing files for home loan purchases and refinances, both Government and Conventional loans, for a wholesale lender.
  • Review initial approvals and make sure to clear all internal prior to docs conditions and re- upload approvals in the system to be available for Brokers.
  • Collect all prior to docs conditions at once from brokers, review them and sign off on some of the income, credit and non-credit conditions. If all is acceptable, submit file to Underwriter for review and for final sign off.
  • Order initial and final VOEs.
  • Communicating with brokers and team members regarding status of the loans and updating loan status in the computer system.
  • Manage files with attention to documentation expirations.
  • Ordered documentation to complete loan files in a timely and efficient manner.
  • Utilized and manipulated DU (FNMA) and LP (FHLMC) to make detailed, accurate credit decisions for conventional mortgage loans in compliance with current agencies, investors and corporate policies
Meritas Health - Patient Service Representative
Platte City, MO, 05/2015 - 12/2015
  • Oversees patient financial process to ensure payments are obtained and properly processed.
  • Verifies that all necessary information is complete and accurate for referrals authorizations billing codes diagnoses information.
  • Investigates and corrects and discrepancies prior to processing for charge posting.
  • Completes encounter batch forms for assigned physicians on a daily basis.
  • Completes end of day financial encounter package including reconciliation of arrived patient schedule and time of service payments.
  • Assists with activities and special projects; serves as a resource to staff.
  • Protects and preserves the patients right to privacy and confidentiality.

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Resume Overview

School Attended

  • Kean University

Job Titles Held:

  • Mortgage Underwriter
  • Mortgage Underwriter
  • Mortgage Underwriter
  • Patient Service Representative

Degrees

  • Bachelor of Science

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