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

Enthusiastic Mortgage Underwriter eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of Income calculations and risk assessment and training in evaluating both personal and Business tax returns. Motivated to learn, grow and excel in the mortgage industry.

Skills
  • Residential Loans
  • Asset Statements
  • Residual Incomes
  • Application Analysis
  • FNMA Guidelines
  • FHLMC Guidelines
  • Debt-to-Income Ratios
  • Loan to Value Ratio Calculations
  • Financial analysis aptitude
  • Deep knowledge of bankruptcy processes
  • Dependable and Responsible
  • Critical Thinking
  • Financial statements expertise
  • Financial Analysis
  • Risk Assessment
  • Government Regulations
  • Loan Documentation
  • Credit risk
  • Credit decisions
  • Verbal and written communication
  • Problem-Solving
  • Multitasking Abilities
  • Computer Skills
  • Teamwork and Collaboration
  • Encompass Software Proficiency
  • Google Workspace
  • Self-Motivated
  • Flexible and Adaptable
  • Account discrepancies
Work History
06/2019 to 11/2021
Mortgage Underwriter Ctbc Investments Company, Ltd Edison, NJ,
  • Verified integrity of applicants' information to minimize fraud.
  • Checked personal and team calculations to validate information and underwriting decisions.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Applied grades to each loan application based on established criteria to keep institutional risk low.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Worked with processing team members to communicate errors and obtain missing information for current applications.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Proactively identified solutions for customers experiencing credit issues.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
  • Checked personal and team calculations to validate information and underwriting decisions
  • Worked with processing team members to communicate errors and obtain missing information for current applications
  • Trained junior team members in underwriting procedures and loan quality grading standards
  • Supervised loan personnel and motivated to maintain customer service and performance standards
  • Assessed aging accounts and initiated collection strategies based on conditions
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
  • Explained very technical financial information to applicants in easy to understand language
  • Compiled closing packages for drafting and presentation accuracy
  • Reviewed over [Number] financial statements per [Timeframe]
  • Monitored pipelines to track and log status of loans
  • Developed prospects for new loans by conducting [Number] cold calls weekly
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs
  • Helped college students obtain financial aid through loan programs
  • Proactively identified solutions for customers experiencing credit issues
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited
  • Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA
  • Verified integrity of applicants' information to minimize fraud
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
  • Met [Number]-hour timeline consistently, turning around applications quickly with firm approval or denial decisions
  • Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions
  • Applied grades to each loan application based on established criteria to keep institutional risk low
05/2017 to 02/2019
Loan Officer Umpqua Bank Corp Bellevue, WA,
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Received regional branch recognition award for 85% sales increase.
  • Closely monitored performance of current portfolio of specialty loans and made changes to achieve performance targets.
  • Advised clients on mortgage, education and personal loans.
  • Assisted senior-level credit officers with complex loan applications.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Proactively identified solutions for customers experiencing credit issues.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
05/2015 to 01/2017
Loan Processor First Republic West Palm Beach, FL,
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
  • Issues reports for old and new loans based on field inspections of loan sites.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Maintained long-term relationships with customers to provide best-in-class customer service.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Checked packages for appropriate documentation.
  • Looked over and approved various types of loans.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering Mortgage loans.
  • Evaluated approvals against established bank and government lending standards.
  • Set up and completed loan submission packages.
  • Collaborated with stakeholders about extension, guarantees and charges.
  • Acquired management approval for small business and commercial loans.
Education
Expected in 02/2017
Bachelor of Science: Banking And Financial Support Services
University of Massachusetts - Boston - Boston, MA
GPA:
Expected in 02/2015
Associate of Science: Finance
Boston College - Chestnut Hill, MA
GPA:

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Resume Overview

School Attended

  • University of Massachusetts - Boston
  • Boston College

Job Titles Held:

  • Mortgage Underwriter
  • Loan Officer
  • Loan Processor

Degrees

  • Bachelor of Science
  • Associate of Science

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