Remote Mortgage Underwriter III Resume Example

Underwrote a daily average of 4.5 new and 18 total conventional, jumbo, portfolio and streamline purchase money and refinance mortgage loan applications up to $2.5 million based on income stability, credit worthiness and collateral acceptability ensuring conformity to Agency and Chase portfolio guidelines.

• Achieved top 5% in the Western Region based on quality and productivity for 11 consecutive months.
• Earned production and quality bonus 18 out of 21 months of eligibility.
• Completed 100% of loans submitted within 24hrs from 1/11 - 8/11.

Developed and trained Consumer, Indirect, Mortgage, Equity and Workout Loan Underwriters to make profitable yet sound lending decisions; assisted the Chief Financial Officer, Senior Director of Consumer Lending, Senior Director of Mortgages/Equity and Director of Loan Services in all Lending Segment projects; and created content for and led weekly Lending Segment meetings

• Led the following projects: 1) Developed, implemented and trained enterprise-wide Loan Officer and Loan Underwriter Certification courses for all incoming and existing Lending employees; 2) Selected, implemented and trained new lending software; 3) Created, developed and managed the Income Underwriting Team calculating income for all loan applications, including pay stubs, W2s, tax returns and profit and loss statements.

Underwrote a daily average of 25 conventional, jumbo, sub-prime and Alt A purchase money and refinance mortgage loan applications daily up to $1 million based on income stability, credit worthiness and property conformity maximizing benefit to borrowers and company profitability

• Expanded branch loans funded by 25% and funding ratio by 10% within 6 months
• Acting Branch Manager 7/07 – 12/07 and Assistant Branch Manager 3/06 – 6/07

Resolved 125+ consumer incidents weekly, mitigating loss, while enthusiastically satisfying customers

• Achieved a 2.95 out of 3.0 for yearly quality average
• Managed escalated phone calls and issues for staff of 30
• Earned Legendary Service Award for consistently exceeding customer expectations
• Partnered with Risk Management weekly on more complex and costly customer incidents

Developed and delivered 10 individualized business and industry-specific curricula for beginner to advanced level English language students

• Created and administered 10 end of course exams
• Achieved 100% advancement of all students one skill level
• Hired by multinational banks, government officials and international lawyers

• Eliminated technical and operational issues improving mobile phone account efficiency as primary contact for seven national corporate clients.
• Peak Achievement quality award: scores above 95% for ten consecutive months.
• Led new hiring mentoring classes, on-phone training and call feedback.