Senior Mortgage Underwriter Resume Example Digital Risk

SENIOR MORTGAGE UNDERWRITER

Professional Summary

Knowledgeable Underwriter with Management skills and over 20 years in the mortgage industry. Proficient with AUS systems such as Desktop Underwriter and Loan Prospector. Strong expertise and extensive knowledge of Freddie Mac & Fannie Mae's underwriting guidelines. Motivated and ambitious with excellent verbal and written communication skills. Strong skills in training, mentoring and the development of staff. Excellent at multi-tasking with a history of exceeding monthly quotas and SLA in production and quality.

Skills

Encompass
Empower
Citrix
LP (Loan Prospector) DU (Desktop underwriter)
Lean Certified
Analyze Tax returns
LoanBeam
Review Credit Reports
Expert in MS Office (Word, Excel and Outlook)
Excellent communication skills

Training, Auditing and Peer Mentoring
Detail-oriented
Credit/Credit risk
Tax Returns review
Appraisal Valuation review
Application Analysis
Debt-to-Income Ratios
Asset Statements review
Loan to Value Ratio Calculations
Data Analysis

Employment History

Senior Mortgage Underwriter07/2019 to 10/2020
Digital Risk – Richardson, TX

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. (Schedule E, Wage earner, K-1s) and VOI's
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.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Met 2+ decisions per day timeline consistently, turning around applications quickly with firm approval or denial decisions.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Determined and documented loan conditions and communicated requirements and decisions.
Conducted re-reviews upon receipt of requested documentation (conditions)
Successfully passed *SASE* training
Ran verified information through AUS system to assist in decision (DU, LP)
Conducted re-reviews upon receipt of requested documentation (cleared conditions)

Underwriter II 10/2014 to 06/2019
Genpact Mortgage Services – Richardson, TX

Analyzed information gathered from received documents through AUS (LP and DU).
Reviewed credit reports/supplements, homeowner insurance, appraisals, title work,
Reviewed and Ordered mortgage insurance (if applicable) and flood certs.
Calculated and reviewed income documentation (Paystubs, Tax Returns Schedule E, Schedule C, K-1's) and WVOE's.
Reviewed Condo/PUD projects and completed eligibility worksheets to ensure they meet salable or non-warrantable guidelines.
Successfully underwrote multiple property and loan types (Manufactured, Condo, Site Condo, 2-4 family, multi- family) - (Conventional, Purchase, R/T and Cash Out)
Effectively reviewed loans for completeness, accuracy and adherence to guidelines and provided decision within SLA, while effectively maintaining a 40 - 60 loan pipeline.
Evaluated debt ratio, loan-to-value ratios, credit risk, property valuation and various other factors.
Determined loan conditions contingent on information received in the loan application and communicated requirements and/or decisions to interested parties.
Assisted Processors with routine title issues (lien releases/judgments, subordination request, appraisal disputes,).
Reviewed/Approved POA's and TRUST.
Monitored audit findings, prepared reports and best practice guides.
Performed additional duties assigned by upper management including varies LEAN Projects.
Completed training and onboarding of Jr Underwriters.

Loan Processing Manager09/2012 to 10/2014
Moneyline Lending Dba Genpact – Richardson, TX

Met deadlines by proactively managing individual and team tasks and implementing lean processes.
Submitted loan applications to loan underwriter for verification and recommendation.
Protected company assets with strategic risk management approaches.
Entered loan information into AUS systems (LP and DU)
Ordered credit reports/supplements, HOI mortgagee clause changes,
appraisals, title work, MI cert, payoffs, flood cert, VOM and VOD
Provided a high level of customer service by being proactive in communication with members and Loan officers while maintaining a
30 - 50 loan pipeline
Reviewed Purchase agreements and Addendum to ensure closing dates are met
Handled Escalations from Loan officers, Closers, Title companies etc
Reviewed/Approved POAs and TRUST
Monitored audit findings and imposed corrective action (when required)
Performed 1 on 1s when required
Prepared and entered processor hours and missed punches into cumulative payroll system (MYTIME)
Performed additional duties assigned by upper management including varies LEAN Projects

Education

Associate Degree: Accounting and FinanceHighline College- Seattle, WA

LEAN Certified GREEN BELT trained .

Resume Overview

Companies Worked For:

Digital Risk
Genpact Mortgage Services
Moneyline Lending Dba Genpact

School Attended

Highline College

Job Titles Held:

Senior Mortgage Underwriter
Underwriter II
Loan Processing Manager

Degrees

Associate Degree : Accounting and Finance
LEAN Certified GREEN BELT trained .

Senior Mortgage Underwriter Resume Example

Resume Score: 80%

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