Mortgage Underwriter Resume Example

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Jessica Claire
  • , , 100 Montgomery St. 10th Floor
  • Home: (555) 432-1000
  • Cell:

Seasoned professional, innovative, results oriented with many years of experience evaluating, analyzing and determining credit risk. Multitasker, decision maker and organizer. Ability to prioritize, while meeting or exceeding productivity requirements. I have excellent communication skills and strong customer service qualifications. Detailed oriented and efficient in whatever tasks I take on. My track record has proven that I am loyal, honest and full of integrity. My goal is to maintain these qualities for my employer, colleagues and customers

  • Experience with automated underwriting systems (DU/LP)
  • Knowledge of and ability to analyze complex income
  • Strong decision making and analytical expertise
  • Working knowledge of MS Word, Excel and outlook
  • Excellent verbal and written communication skills
  • Extremely organized with attention to detail
  • Capability to multitask in a fast-paced environment
Mortgage Underwriter, 01/2019 to 12/2021
Ctbc Investments Company, LtdMilpitas, CA,
  • Performs a comprehensive review of credit , collateral ,and income to determine borrower’s eligibility is in compliance with agency guidelines, while confirming all regulatory requirements are met.
  • Works closely with Loan Officers,processors, and Production managers to provide recommended alternatives and solutions when possible, on loans that will not meet guidelines as initially submitted
  • Able to underwrite conventional and streamline loans within my lending authority.
  • Maintain a current lending authority of $650K
  • Maintained a pipeline size of 70 to 80 files at all times. Enjoyed always having work and no down time.
  • Submitted all conventional files that required PMI approval to Radian, Essent, and Genworth for the PMI non delegated approval
  • Provide timely, consistent and well calculated credit decisions confidently and clearly articulating the reasoning behind every decision.
  • Responsible for using AUS systems such as DU & LP for investor-based recommendations and subject approvals.
  • Responsible for reviewing and conducting cashflow analysis based upon various tax schedules; Schedule C, E, 1040, 1065, K-1, 1120’s, and S-Corps.
Mortgage Underwriter, 06/2016 to 01/2019
Ctbc Investments Company, LtdSan Francisco, CA,
  • Evaluated income documentation to determine acceptable risk of an applicant based on analysis of W2’s, pay stubs, personal and business tax returns.
  • 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.
  • Determined level of qualification for a loan applicant and render decision on applicant’s ability to repay.
  • Utilized expertise and underwriting knowledge to render sound, common sense decisions based on analysis of loan parameters and documentation.
  • Ensured that the validation of AUS information is accurate and finalize credit risk decision within systems.
  • Managed all daily conditions due keeping to service level agreements for turn times.
  • Communicated with Underwriting Manager to advise of any branch processing issues.
  • Worked with production staff to maximize production levels without inappropriate risks.
  • Maintained excellent customer service skills constantly attempting to enhance the customer service experience with all internal and external customers.
Compliance Officer, 01/2015 to 06/2016
American River BanksharesOakland, CA,
  • Reviewed, analyzed and documented all areas of the mortgage file to ensure accuracy, completeness, and so that Banc of California is in compliance with underwriting, internal and regulatory guidelines and investor salability.
  • In-depth practical knowledge of internal controls, risk assessments and compliance processes, and applicable techniques for implementation of regulatory, compliance and legal requirements and compliance processes.
  • Completed HMDA reviews and submission to regulatory agencies.
  • Considerable knowledge of banking laws, federal and state government laws/regulations impacting mortgage lending to include CRA, Flood Disaster Protection Act, Fair Credit Reporting Act, Fair Lending, Servicemembers Civil Relief Act, and HMDA regulations and reporting.
Education and Training
Bachelor of Arts: Journalism, Expected in 06/2006
School of Journalism And Management Studies - Texas,

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School Attended
  • School of Journalism And Management Studies
Job Titles Held:
  • Mortgage Underwriter
  • Mortgage Underwriter
  • Compliance Officer
  • Bachelor of Arts

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