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mortgage underwriter resume example with 11+ years of experience

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

Motivated and Self-Reliant Mortgage Underwriter with 7 years experience underwriting Conventional and Non-QM loans. Highly organized worker and communicates well with other team members. Accurately analyzes income and asset documentation. Ability to research and FHLMC/FNMA guidelines and be decisive.

Skills
  • Manual and Automated Underwriting
  • Collateral Review
  • Credit & Income Analysis
  • Bank Statement Loans
  • Encompass
  • Non-QM, Jumbo and Conventional Loans
  • DSCR and Asset Depletion Loans
  • FNMA & FHLMC Guidelines
  • Maintain $1M Signing Authority
Education and Training
Condoria University Irvine Irvine, CA, Expected in 12/2017 Bachelor of Science : - GPA :
Experience
Manulife - Mortgage Underwriter
Houston, TX, 02/2019 - Current
  • Underwrite Conventional and Non QM residential mortgage loans in accordance with internal guidelines ensuring compliance with company and investor standards
  • Manage pipeline daily by completing new underwriting reviews, 2-3 per day, condition reviews and other underwriting tasks within 24-48 hours.
  • Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials
  • Review appraisals for accurate property valuation
  • Discuss marginal loans with underwriting team lead and sales manager before suspending or declining file
  • Communicate with processing and sales to provide updates, clarification on outstanding conditions and deficiencies identified on loans, and to assist in interpreting underwriting guidelines
  • Responsible for auditing files to ensure compliance with government and investor guidelines
  • Prioritize files among new submissions, docs and funding
  • Work closely with loan officers and other professionals to ensure file pull through
Partner Colorado Credit Union - Conventional and Jumbo Underwriter
Arvada, CO, 06/2016 - 01/2019
  • Underwrote new loan file submissions inclusive of fraud detection processes Proficient running, reading, and interpreting Desktop Underwriting/Loan Prospector recommendations.
  • Reviewed resubmitted files or conditions for guideline acceptance including processing of required exceptions.
  • Made independent approval/suspense/declination decisions
  • Ensured all loans underwritten met prescribed policies and procedures for salability and documented accordingly for exception purposes.
  • Maintained 24 hour resubmission turnaround time
  • Comprehended and cleared AUS conditions/findings.
  • Effectively communicated and resolved problems.
  • Prioritized daily work to meet deadlines and adjust to last minute changes.
  • Reviewed and evaluated borrower profile including all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.
  • Analyzed and calculated income documentation such as personal and business income statements; ensure all necessary documentation is requested to support final loan decisions.
  • Exercised good judgment, conduct reasonableness tests and issue quality decisions.
Synovus Financial Corp. - Associate Mortgage Underwriter
Boca Raton, FL, 10/2014 - 06/2016
  • Worked closely with Senior Underwriters to perform thorough analyses of loan files
  • Reviewed loan conditions Senior Underwriter including credit report, income calculation, asset, title report, and appraisal report
  • Checked accuracy all income and asset calculations
  • Cleared conditions on loans with attention to detail
  • Reviewed loan approvals and addressed all conditions required for underwriting and closing.
  • Maintained comprehensive training on home loan products and mortgage process.
  • Met deadlines in heavy periods of volume
Bank Of America - Loan Processor
City, STATE, 08/2012 - 10/2014
  • Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Managed conditions sent from underwriting departments.
  • Created and completed loan submission packages.
  • Managed 15-20 loans monthly pipeline.
Bank Of America - Teller
City, STATE, 05/2010 - 07/2012
  • Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
  • Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
  • Maintained confidentiality of bank records and client information.
  • Educated customers on use of banking website and mobile apps.
  • Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Audited fellow teller currency to contribute to dual-control procedures.

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Resume Overview

School Attended

  • Condoria University Irvine

Job Titles Held:

  • Mortgage Underwriter
  • Conventional and Jumbo Underwriter
  • Associate Mortgage Underwriter
  • Loan Processor
  • Teller

Degrees

  • Bachelor of Science

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