LiveCareer-Resume

remote senior mortgage underwriter resume example with 20+ years of experience

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

Seasoned financial professional with extensive experience underwriting mortgage, home equity, consumer and equipment loans. Senior-level tax return analysis skills, asset & credit analysis and collateral appraisal analysis skills. Strong work ethic. Excellent communication, leadership, training and mentoring skills.

Skills
  • Managing Risk
  • Analyzing Data
  • Building Strong Relationships
  • Loss Prevention
  • Risk Evaluations
  • Quality Control
  • Organizational Skills
  • Reliable & Trustworthy
  • Conflict Resolution
  • Friendly, Positive Attitude
  • Team Building
  • Supervision & Leadership
  • Planning & Organizing
  • Problem Resolution
  • Training & Development
  • Active Listening
  • Team Management
  • Microsoft Office
Education and Training
University of St. Thomas St. Paul, MN Expected in BACHELOR OF ARTS : MARKETING MANAGEMENT - GPA :
Experience
Highmark Inc. - Remote Senior Mortgage Underwriter
, , 07/2021 - 01/2022
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines
  • Reviewed appraisals, financial statements, credit reports, and applicable ratios (i.e Debt Ratios, Loan to Value)
  • Evaluated business tax returns and bank account statements according to risk, hazard and exposure guidelines to make accurate decisions
  • Implemented fraud detection techniques, perform compliance reviews and explain rationale behind credit decision.
  • Collaborated with multiple agents, brokers and partners to obtain underwriting information.
WINGS FINANCIAL FEDERAL CREDIT UNION - Compliance QA Manager/Underwriter
, , 07/2019 - 01/2021
  • Responsible for establishing and building Mortgage Compliance, and QA functions in fast growing, regional credit union.
  • Personally responsible for auditing 10% of closed loan volume, issuing ratings & clearing findings, identifying areas of improvement and developing training strategies to improve loan quality
  • Aggregating monthly data trends for individuals/department, presenting results across multi level teams
  • Underwriting all appraisals and loans over $1M, calculating income for all Self-Employed borrowers
  • Collaborating & consulting with third party auditors, FNMA and PMI partners, tracking and remediating any resulting findings
  • Disseminating all updates from FNMA regarding Underwriting changes to all staff.(during COVID) fielding questions from Loan Officers, Processors and Borrowers
  • Trained and mentored project leaders to drive culture change toward total quality mindset across production continuum.
WELLS FARGO HOME MORTGAGE - Underwriter/QA Analyst
, , 09/2014 - 07/2019
  • Evaluated grading of product quality against published specifications to maintain consistently high-quality standards.
  • Implemented internal auditing practices to create standards and statutory obligation compliance reports.
  • Conducted internal audits to measure adherence to established QA standards.
  • Used quality monitoring system to compile and track individual and team performance.
  • Validated quality performance by establishing product specifications.
  • Trained and led staff on proper QA standards.
  • Identified quality trends to investigate system flaws, process inefficiencies and training needs.
BANK OF AMERICA - FHA DE Underwriter
, , 02/2013 - 02/2014
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual FHA mortgage products within company and industry guidelines
  • Review appraisals, title, financial statements, and applicable ratios (i.e Debt-to-income & Loan-to-value)
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Evaluating transactions to ensure accuracy and completeness, ensuring that documents are consistent and uphold to company, FHA and industry guidelines
  • Implement fraud detection techniques, perform compliance reviews; assist with re-negotiations of loans based on lending guidelines; contact customers and partners to gather information to make appropriate decisions, explained rationale behind credit decision
  • Stayed abreast of lending regulations, industry trends and market rates.
WELLS FARGO HOME MORTGAGE, PRIVATE MORTGAGE - Mortgage DE Underwriter/Validator
, , 03/2009 - 01/2013
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines for Wells Fargo high net worth borrowers
  • Reviewed appraisals, financial statements, credit reports, and applicable ratios (i.e Debt-to-Income, Loan-to-Value)
  • Evaluated transactions to ensure accuracy and completeness; ensuring documents are consistent and uphold company and industry guidelines
  • Implemented fraud detection techniques. Perform compliance reviews; assist with re-negotiations of loans based on lending guidelines
  • Contacted partners to obtain accurate information to assist in decision making process
  • Clearly document and explain rationale behind credit decision
WINGS FINANCIAL FEDERAL CREDIT UNION - Consumer Loan Officer/Underwriter
, , 02/1999 - 03/2009
  • Originate and underwrite home equity and consumer loans, approving applications based on specific criteria.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Cross sold appropriate products as they were rolled out in organization
  • Consistently one of two (2) top performers with sales 10 – 20% above target and achieved targets 100%
  • Answer and direct all inquiries regarding account issues tactfully and professionally to ensure continued account potential.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
HONEYWELL FEDERAL CREDIT UNION - Senior Underwriter
, , 12/1996 - 12/1998
  • Supervised staff of eight responsible for originating and underwriting financing for home equity and consumer loans
  • Trained, coached, and counseled staff to ensure smooth operations of all functions
  • Monitored underwriters' workflows to boost accuracy, align procedures and improve efficiencies.
  • Responsible for hiring, firing, developing, and delivering performance evaluations
  • Assisted marketing and sales departments by providing expertise in underwriting and related areas.
  • Implemented special projects to enhance sales capabilities.
GREENTREE FINANCIAL/UNITED COMPANIES FUNDING INC - Relationship Manager-Underwriter
, , 12/1993 - 12/1996
  • Underwrite dealer financing for manufactured home, Harley-Davidson and some heavy equipment applications within established territory
  • Provide final loan approval based on creditworthiness and collateral acceptability according to industry loan standards and UCFI policies, supervised processing staff
  • Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
  • Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
Activities and Honors
Skills
  • Managing Risk
  • Analyzing Data
  • Building Strong Relationships
  • Loss Prevention
  • Risk Evaluations
  • Quality Control
  • Organizational Skills
  • Reliable & Trustworthy
  • Conflict Resolution
  • Friendly, Positive Attitude
  • Team Building
  • Supervision & Leadership
  • Planning & Organizing
  • Problem Resolution
  • Training & Development
  • Active Listening
  • Team Management
  • Microsoft Office
Work History
WELLS FARGO HOME MORTGAGE - Remote Senior Mortgage Underwriter
, 07/2021 - 01/2022
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines
  • Reviewed appraisals, financial statements, credit reports, and applicable ratios (i.e Debt Ratios, Loan to Value)
  • Evaluated business tax returns and bank account statements according to risk, hazard and exposure guidelines to make accurate decisions
  • Implemented fraud detection techniques, perform compliance reviews and explain rationale behind credit decision.
  • Collaborated with multiple agents, brokers and partners to obtain underwriting information.
WINGS FINANCIAL FEDERAL CREDIT UNION - Compliance QA Manager/Underwriter
, 07/2019 - 01/2021
  • Responsible for establishing and building Mortgage Compliance, and QA functions in fast growing, regional credit union.
  • Personally responsible for auditing 10% of closed loan volume, issuing ratings & clearing findings, identifying areas of improvement and developing training strategies to improve loan quality
  • Aggregating monthly data trends for individuals/department, presenting results across multi level teams
  • Underwriting all appraisals and loans over $1M, calculating income for all Self-Employed borrowers
  • Collaborating & consulting with third party auditors, FNMA and PMI partners, tracking and remediating any resulting findings
  • Disseminating all updates from FNMA regarding Underwriting changes to all staff.(during COVID) fielding questions from Loan Officers, Processors and Borrowers
  • Trained and mentored project leaders to drive culture change toward total quality mindset across production continuum.
WELLS FARGO HOME MORTGAGE - Underwriter/QA Analyst
, 09/2014 - 07/2019
  • Evaluated grading of product quality against published specifications to maintain consistently high-quality standards.
  • Implemented internal auditing practices to create standards and statutory obligation compliance reports.
  • Conducted internal audits to measure adherence to established QA standards.
  • Used quality monitoring system to compile and track individual and team performance.
  • Validated quality performance by establishing product specifications.
  • Trained and led staff on proper QA standards.
  • Identified quality trends to investigate system flaws, process inefficiencies and training needs.
BANK OF AMERICA - FHA DE Underwriter
, 02/2013 - 02/2014
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual FHA mortgage products within company and industry guidelines
  • Review appraisals, title, financial statements, and applicable ratios (i.e Debt-to-income & Loan-to-value)
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Evaluating transactions to ensure accuracy and completeness, ensuring that documents are consistent and uphold to company, FHA and industry guidelines
  • Implement fraud detection techniques, perform compliance reviews; assist with re-negotiations of loans based on lending guidelines; contact customers and partners to gather information to make appropriate decisions, explained rationale behind credit decision
  • Stayed abreast of lending regulations, industry trends and market rates.
WELLS FARGO HOME MORTGAGE, PRIVATE MORTGAGE - Mortgage DE Underwriter/Validator
, 03/2009 - 01/2013
  • Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines for Wells Fargo high net worth borrowers
  • Reviewed appraisals, financial statements, credit reports, and applicable ratios (i.e Debt-to-Income, Loan-to-Value)
  • Evaluated transactions to ensure accuracy and completeness; ensuring documents are consistent and uphold company and industry guidelines
  • Implemented fraud detection techniques. Perform compliance reviews; assist with re-negotiations of loans based on lending guidelines
  • Contacted partners to obtain accurate information to assist in decision making process
  • Clearly document and explain rationale behind credit decision
WINGS FINANCIAL FEDERAL CREDIT UNION - Consumer Loan Officer/Underwriter
, 02/1999 - 03/2009
  • Originate and underwrite home equity and consumer loans, approving applications based on specific criteria.
  • Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
  • Cross sold appropriate products as they were rolled out in organization
  • Consistently one of two (2) top performers with sales 10 – 20% above target and achieved targets 100%
  • Answer and direct all inquiries regarding account issues tactfully and professionally to ensure continued account potential.
  • Managed pipeline for originated loans through closing and complete required management reports.
  • Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
HONEYWELL FEDERAL CREDIT UNION - Senior Underwriter
, 12/1996 - 12/1998
  • Supervised staff of eight responsible for originating and underwriting financing for home equity and consumer loans
  • Trained, coached, and counseled staff to ensure smooth operations of all functions
  • Monitored underwriters' workflows to boost accuracy, align procedures and improve efficiencies.
  • Responsible for hiring, firing, developing, and delivering performance evaluations
  • Assisted marketing and sales departments by providing expertise in underwriting and related areas.
  • Implemented special projects to enhance sales capabilities.
GREENTREE FINANCIAL/UNITED COMPANIES FUNDING INC - Relationship Manager-Underwriter
, 12/1993 - 12/1996
  • Underwrite dealer financing for manufactured home, Harley-Davidson and some heavy equipment applications within established territory
  • Provide final loan approval based on creditworthiness and collateral acceptability according to industry loan standards and UCFI policies, supervised processing staff
  • Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
  • Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.

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Resume Overview

School Attended

  • University of St. Thomas

Job Titles Held:

  • Remote Senior Mortgage Underwriter
  • Compliance QA Manager/Underwriter
  • Underwriter/QA Analyst
  • FHA DE Underwriter
  • Mortgage DE Underwriter/Validator
  • Consumer Loan Officer/Underwriter
  • Senior Underwriter
  • Relationship Manager-Underwriter

Degrees

  • BACHELOR OF ARTS

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