Senior Mortgage Underwriter resume example with 12+ years of experience

Jessica Claire
  • , , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
  • H: (555) 432-1000
  • C:
  • Date of Birth:
  • India:
  • :
  • single:

Detailed Senior Mortgage Underwriter offering 12-year background, well-versed in all types of loans and application processes. In-depth knowledge of income calculations, tax returns and credit reports. Analytical and flexible professional comfortable working in high stress environment while delivering excellent customer service. Consistently exceeds sales expectations.

  • Production Manager
  • Bottom Line LoanMaster Loan Servicing
  • Knowledge of VA/FHA/Conventional loan
  • Customer service-focused
  • Verbal & Written Communication skill
  • Data management
  • Mathematical
  • Organization
  • Loan Portfolio
  • Ensure Compliance
  • FHA/VA Guideline
  • Decision-making
  • Microsoft Office
  • Team Player
Senior Mortgage Underwriter, 2016 - Current
Alaskausa Mortgage Company Peoria, AZ,
  • Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss.
  • Reevaluate loan conditions based on change of circumstance and loan officer requests, providing alternatives, workarounds, and income restructure when necessary.
  • Proficient in all products to include but not limited to FHA, VA, USDA, Bond Program products(VHDA and CDA), as well as Non QM jumbo products.
  • Developed relationships with broker and real estate community by providing frequent updates on loan status.
  • Communicated with all applicants and internal team members to discuss identified conditions needed for approval.
  • Determined loan completeness and accuracy by thoroughly analyzing credit documents, including mortgage applications, income documents, appraisals and property valuations.
  • Reviews multiple files per day to hit production goals while maintaining perfect loan quality with elite client service.
  • Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, risk-assessment tools used in decision mortgage loans.
Senior Portfolio Underwriter III, 2014 - 2016
SunTrust Banks, Inc City, STATE,
  • Manual Portfolio Underwriter with $1,000,000 underwriting authority; specialized in high net worth clients, complex business & self-employed income.
  • Managed pipeline of 40+ loans monthly; over $40 million in client relationships, ensuring client/sales expectations are met.
  • Analyzed and evaluated incorporation documentation, corporate tax returns, profit, loss statements & corporate bank statements to insure ability of entities repayment.
  • Provided expert financial advice on business structure and income documentation to determine client’s eligibility for loan products.
  • Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
  • Well-rounded and proficient with all mortgage lending guidelines to include; Portfolio, FHA, Conventional, and MI mortgage files;.
  • Served as committee Team Lead for Operational Advisory Group; led a team of three to effectively propose operational changes; improved underwriting turn time with implementation of system updates.
  • Supported Underwriting Production Manager with repurchase reconciliations for the organization; successfully evaded repurchase demands and keeping liquidity within the bank.
Senior Underwriter Manual/DE/DU/LP, 2012 - 2014
American Bank City, STATE,
  • Underwrote 63+ residential mortgages monthly; ensured compliance with bank, agency, and secondary market standards.
  • Versatile underwriter; specialized in Manual Portfolio, FHA, FHA Manual, Non-Conforming, Conforming, complex New Construction and Commercial products.
  • Negotiated/renegotiated approvals and client eligibility; ensured all correct criteria are satisfied to clear/close loans. Effectively communicated with processors, closer, and post-closing to ensure smooth transition.
  • Provided prudent underwriting judgment by conducting an assessment; compared primary risk with contributory risk factors to render a preliminary credit decision; include all documents that support assessment in file.
  • Trained new hires on performance standards, internal overlays and technical computer functions.
  • Evaluated and cure suspense conditions that halted and/or threatened successful purchase by secondary investors.
  • Communicated with appropriate channels within organization to mitigate any loss of threat.
  • Handled Credit authority over $1,500,000.
  • Interacted with Quality Control, Compliance & Funding teams on problem resolution, risk evaluation and compliance.
  • Exercised good judgement and issues quality decisions; demonstrated proficiency in Automated Underwriting systems.
Regional Consumer Loan Underwriter, 2009 - 2012
East Cambridge Savings Bank City, STATE,
  • Mitigated regulatory risks by evaluating risk and review credit worthiness in accordance Fannie/Freddie/HUD, Correspondent Lenders and Bank Portfolio Loan guidelines.
  • Managed bank wide consumer loan activities, communicating regularly with bank president, commercial loan officers, loan originators, processors and mortgage underwriters. Ensured all loans were in compliance and marketable.
  • Created a disclosure database as a compliance methodology to ensure branch productivity through training and creating bank wide standards for compliance.
  • Audited loan files quarterly; ensured quality control, bank compliance in GMI/CIP and updating LAR.
  • Calculate business gross income and compare YTD Profit and Loss statements with prior year corporate tax returns.
  • Utilized prudent income valuations to add back allowable business losses to determine stability of income.
  • Analyzed portfolio risks, including issues associated with underlying business practices and fraud exposure.
  • Reviewed final conditions and approved loans for closing.
Education and Training
Associate of Science: Business Administration, Expected in 2012
Bay State College - Boston, MA,

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Resume Overview

School Attended

  • Bay State College

Job Titles Held:

  • Senior Mortgage Underwriter
  • Senior Portfolio Underwriter III
  • Senior Underwriter Manual/DE/DU/LP
  • Regional Consumer Loan Underwriter


  • Associate of Science

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