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mortgage underwriter resume example with 8+ 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 - - -
Professional Summary

Highly motivated Mortgage professional with over 16 years industry experience inclusive of loss mitigation and underwriting. Recognized as an excellent team player with valuable skill sets.

Areas of Expertise
  • Extensive knowledge of conventional and government underwriting guidelines and products
  • Proficiency in Microsoft Office
  • Cash flow analysis of tax returns
  • Excellent verbal and communication skills
  • Excellent attention to detail
  • Loan-to-value calculation
  • Debt-to-income calculation
  • Knowledge of loan modifications
  • Short sale negotiation
  • Deed in Lieu Negotiation
  • Credit and Income Analysis
  • Knowledge of foreclosure and bankruptcy
  • Fraud analysis of loan documents
Work Experience
08/2012 to 10/2013
Mortgage Underwriter Enterprise Bank Albuquerque, NM,
  • Responsible for underwriting newly originated conventional, FHA, VA, and USDA loans to PennyMac guidelines as well as agency guidelines.
  • Underwriting decisions were communicated to various levels of staff.
  • Clearly and concisely communicate conditions to various levels of staff.
  • Served as Underwriting Liaison for Client Management.
  • Reviewed all escalated loans and communicated decisions to clients and client management.
04/2012 to 08/2012
Contract Mortgage Underwriter Aerotek Staffing City, STATE,
  • Responsible for underwriting newly originated conventional/FHA mortgage loans to PennyMac guidelines and investor guidelines and communicating underwriting decisions to various levels of staff.
  • Clearly and concisely communicate outstanding loan conditions to various levels of staff.
  • Ability to detect red flags during the underwriting process.
06/2011 to 04/2012
Quality Control Underwriter JCIII & Associates City, STATE,
  • Perform quality controls of loans completed by underwriters and report any discrepancies to the Team Leader.
  • Additionally, report any feedback directly to underwriters for continuous training.
  • Quality Control of servicing reviews which includes payment histories and servicing comments and reported findings to client.
  • Quality Control of Forensic and Defensive rebuttal reviews with feedback provided for ongoing training.
08/09 to 07/11
Quality Control Underwriter Opus Capital Markets Consultants, LLC City, STATE,
  • Perform quality controls of loans completed by underwriters and report any discrepancies to the Team Leader.
  • Additionally, report any feedback directly to underwriters for continuous training.
  • Quality Control of NPA reviews which includes payment histories and servicing comments.
  • Quality Control of Forensic and defensive rebuttal reviews Extensive knowledge of Microsoft Office Excellent verbal and written communication skills Knowledge of Fannie Mae and FHA/VA underwriting guidelines Knowledge of student loan due diligence.
05/2005 to 07/2009
Credit/Compliance Underwriter American Mortgage Consultants City, STATE,
  • Underwrite closed mortgage loans and report any credit and compliance deficiencies to clients.
  • Complete payment history and collection/servicing comment review for non-performing assets (including REO properties) and performing loans.
  • Quality control of pay history and servicing comments and findings reported to upper management.
  • Able to research any potential fraudulent loans through the Internet and public records.
  • Quality control of credit and compliance underwrite and feedback provided as ongoing training.
Education
Expected in March 2012 to to
Bachelors of Arts: Business Administration
St Leo University - Saint Leo, FL
GPA:
Expected in August 1995 to to
Associate of Arts:
Pasco-Hernando Community College - Dade City, FL
GPA:

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Resume Overview

School Attended

  • St Leo University
  • Pasco-Hernando Community College

Job Titles Held:

  • Mortgage Underwriter
  • Contract Mortgage Underwriter
  • Quality Control Underwriter
  • Quality Control Underwriter
  • Credit/Compliance Underwriter

Degrees

  • Bachelors of Arts
  • Associate of Arts

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