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mortgage underwriter resume example with 11+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • H: (555) 432-1000
  • C:
  • resumesample@example.com
  • Date of Birth:
  • India:
  • :
  • single:
  • :
Professional Summary

Experienced Mortgage Underwriter with over 4 years of experience in Mortgage Industry. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Consistently saved costs while increasing profits.

Skills
  • Communication skills
  • MS Office
  • Risk Management
  • Encompass
  • Conventional loans
  • E-folder
  • Financial Planning
  • Project organization
  • Collateral Reviews
  • Analytic Skills
  • FHLMC Guidelines
  • Jumbo and Super Jumbo Loans
  • Residential Loans
  • Deep knowledge of bankruptcy processes
  • Problem resolution
  • Team management
  • Operational improvement
  • Business operations
  • Relationship development
  • Process improvement
  • Proficient in 10-key
  • Debt-to-Income Ratios
Work Experience
Mortgage Underwriter, 05/2017 - Current
Enterprise Bank Los Alamos, NM,
  • Improved operations by working with team members and customers to find workable solutions.
  • Provided expert financial advice on mortgage and both educational and personal loans.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Leveraged Encompass to input and compile data gathered from various sources.
  • Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
  • Demonstrated self-reliance by meeting and exceeding workflow needs.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.Applied grades to each loan application based on established criteria to keep institutional risk low.
Loan Officer, 02/2016 - 05/2017
Bancfirst Corporation Weatherford, OK,

● Analyze transactional history and other customer data to determine legitimacy and potential risks.

● Validated entity data using appropriate internal/external data sources. Entity Data includes legal name verification, address, nature of business and ownership

● Develop an awareness of the quality and production requirements to maximize the efforts to reach and / or exceed the expectations established by management.

● Analysed data, identifying trends and providing remedial suggestions to policy and service matters

Reported discrepancies identified in documentation and providing appropriate feedback.

● Supported Client Management team as subject matter expert in respect of AML/KYC, to onboarding new customers in an efficient and effective manner

● Perform searches utilizing company database, internet sources and/or third-party vendors to acquire due diligence information on new/current customers.

● Oversight onboarding activity to provide expert advice on AML/KYC, perform reviews of AML/KYC activities such as client profiles and related metrics, identify data quality issues, and monitor resolution.

● Worked with front office stakeholders of the firm as well as external clients to address their KYC/on-boarding needs.

Customer Service Representative, 07/2014 - 02/2016
Capital Vacations Roper, NC,
  • Answered customer telephone calls promptly to avoid on-hold wait times.Preserved revenue streams by utilizing strong communication and negotiation skills, offering refunds as last resort to maintain customer satisfaction.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
  • Used company troubleshooting resolution tree to evaluate technical problems while leveraging personal expertise to find appropriate solutions.
  • Communicated with vendors regarding back order availability, future inventory and special orders.
  • Responded to customer requests for products, services and company information.
  • Educated customers on promotions to enhance sales.
  • Consulted with outside parties to resolve discrepancies and create effective solutions.
  • Assisted customers with setting appointments, shipping and special order requests, and arranging merchandise pick-up at other locations.
Underwriter, 01/2010 - 06/2014
Chubb Atlanta, GA,
  • Calculated group and individual renewal rates based on customers background, industry and demographic information.
  • Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Monitored underwriting teams performance and provided mentoring to achieve personal and department production goals.
  • Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
  • Supported review and acceptance or denial of new or renewal business.
Education
Bachelor of Science: Microbiology, Expected in 03/2009
-
Lagos State University - Lagos, Nigeria,
GPA:
Status -
Certifications
  • Certified Scrum Master
  • Certified Associate in Project Management (CAPM)
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Resume Overview

School Attended

  • Lagos State University

Job Titles Held:

  • Mortgage Underwriter
  • Loan Officer
  • Customer Service Representative
  • Underwriter

Degrees

  • Bachelor of Science

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