Senior Mortgage Underwriter Resume Example

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Jessica Claire
Montgomery Street, San Francisco, CA 94105
Home: (555) 432-1000 - Cell: - - -

Detailed Senior Home Equity/Mortgage Loan Underwriter offering sixteen years background reviewing real estate loan applications for accurate and necessary information. In-depth knowledge of income calculations, complex tax returns review, and credit risk assessment. Analytical and flexible professional, comfortable working in a high stress and high volume environment while delivering excellent customer service in a timely manner. Proficient with Excel, Microsoft Word, Outlook and Spanish.

  • Production and goal oriented
  • Analyzing data
  • Debt and credit management
  • Customer service-focused
  • Organizational skills
  • Teamwork relationship skills
04/2012 to Current
Senior Mortgage Underwriter Alaskausa Mortgage Company Port Orchard, WA,
  • Conducted complex income review, personal and business, debt liability analysis, to determine debt to income ratios and ability to repay.
  • Inspected financial income documents and asset statements, detailed credit information, collateral and property valuation loan to value ratios, for sound decision making, abiding by federal and state compliance, while using retail mortgage lending policies and procedures as guides.
  • Performed daily maintenance of existing loan applicant database, managing average pipeline of about forty loans with loan amounts up to $500k, while reviewing additional new loans daily and in a timely manner, in high paced environment.
  • Communicated and collaborated with internal team members and applicants for loan completeness and accuracy, and to discuss identified conditions and stipulations needed for approval and timely closing.
  • Determined loan completeness and accuracy by thoroughly analyzing credit documents, income documents, appraisals and property valuations, to verify capacity and determine loan approval, counteroffer or denial.
02/2002 to 10/2010
Mortgage Loan Underwriter Bank Of Ann Arbor Ann Arbor, MI,
  • Analyzed loan-to-value ratios via property values, debt to income ratios reviewing complex income, and credit analysis to make underwriting decisions for loans up to $250k.
  • Assessed home equity loan conditions and provided effective feedback to internal partners regarding decisions and requirements.
  • Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports, flood certification and requesting insurance documents.
Education and Training
Expected in
: Business Administration
Reading Area Community College - Reading, PA

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Resume Overview

School Attended
  • Reading Area Community College
Job Titles Held:
  • Senior Mortgage Underwriter
  • Mortgage Loan Underwriter
  • Some College (No Degree)