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senior underwriter resume example with 20+ years of experience

Jessica Claire
  • Montgomery Street, San Francisco, CA 94105 609 Johnson Ave., 49204, Tulsa, OK
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
  • :
Summary
I am looking to secure a Senior Underwriting, Credit Analyst or Compliance Officer position that affords me the opportunity meritorious growth into Management / Leadership position with a progressive company that encourages both traditional and non-traditional methods to leadership, team building, goal setting and goal achievements in an environment conducive to learning and personal growth.
Highlights
  • Steward of institutional regulatory compliance
  • Debt and credit management
  • MS Office proficient (Word, Excel and PowerPoint)
  • Excellent communicator
  • Excellent time management
  • Analytical
Accomplishments
lead underwriter on the team charged with the successful development and implementation of the Second Chance loss mitigation program that resulted in preventing 980 foreclosures nationwide and saving the bank over $420,000,000 in potential losses on the loans
 
Promoted to Senior Loss Mitigation Underwriter after 12 months of underwriting origination loans at 0.0% underwriting defect rate and scoring 100% on my quality assurance reviews
Experience
Senior underwriter, 09/2016 to Current
Amtrust Financial Services, Inc.Chicago, IL,
.  Review mortgage loan applications and render compliant, timely and defensible decisions
·    I successfully manage an active pipeline of 28 residential loan applications and render an average of 6 final decisions per day at 0.0% underwriting defect rate (100% quality assurance scores to date)
Senior Underwriter, 01/2016 to 07/2016
Amtrust Financial Services, Inc.Jersey City, NJ,
·    Utilized my expertise in Conventional, Non-Conventional, FHA, VA and Fannie Mae Loan underwriting to successfully review and render defensible decisions on mortgage loan applications while adhering to government and institutional compliance guidelines and timely delivery of decision 96% of the time with 0% underwriting defects rate
·    Rendered 4 to 6 file decision per day at 0% error/defect rate and ranked among the top 2% underwriters in volume and quality
·    I was consistently commended for the timely and accurate completion of compliant loan package facilitating volume growth while preserving book-of-business quality
·    Worked collaboratively with team loan processors and mortgage loan originators (MLOs) to drive loan applications to successful funding and close at a 92% rate with 0% underwriting defects
Senior Loss Mitigation Underwriter, 01/2011 to 01/2015
PennymacUnavailable, IL,
·    I was the lead underwriter on the team charged with the successful development and implementation of the Second Chance loss mitigation program that resulted in preventing 980 foreclosures nationwide and saving the bank over $420,000,000 in potential losses on the loans
·    Successfully managed an active pipeline of 170 mortgage loans spanning eight investor groups which include government (FHA, Fannie Mae, and Freddie Mac) and private loan portfolios with 96% closing rate ·    Consistently ranked among the top 3 underwriters out of 64 underwriters in my region for volume, quality and timeliness
·    At a success rate of 96%, I worked closely with distressed homeowners with loans in default and in imminent danger of foreclosure to restructure their loan to avoid foreclosure
·    I achieved 100% liquidation/short sale success rate with 0% litigation risk for three years (2011 – 2015)
Online Customer Service Manager, 08/2009 to 08/2011
Root InsuranceMyrtle Point, OR,
·    Raised my team from a 12th place ranking to the # 1 ranked call center in my division within 13 months and maintained that ranking through the rest of my tenure
·    Under my leadership, my team consistently achieved a resolution rate of 94% to 98% for customer complaints (the best in my district)
·    In my tenure as the customer service manager, I reduced the customer dissatisfaction rate to 8% from a prior score of 39% held by my predecessor
·    My team, under my leadership, scored 94% or better in quality assurance grading which represented the best scores in the region from 2010 through my departure in 2011
Underwriting Manager, 08/2008 to 08/2009
G.L.H. MortgageCity, STATE,
·    Successfully managed a team of twenty four employees consisting of ten underwriters and twelve senior loan processors and by April, 2009 through my departure, we achieved the Premier Broker distinction in Northern California among all our 12 approved lenders
·    Attained 100% scores in quality assurance and compliance audit reviews throughout my tenure
·    Achieved the #1 ranking for loan quality brokered through all of our approved lenders
·    Coached and worked very closely with new underwriters to achieve their performance and file quality goals
Residential Mortgage Loan Sales Manager, 11/2005 to 08/2008
Wachovia Bank / World Savings BankCity, STATE,
·    Under my leadership, my sales team consistently ranked in the top three teams in a region of eighteen teams
·    Organized and conducted real estate broker education as well as training on new market trends and also on federal, state, and institutional underwriting guidelines
·    As a direct result of the training I provided to my team’s mortgage brokers, my team consistently achieved between 82% and 93% one-touch file submissions and awarded the # 1 distinction for submitting the most one-touch file in my district for two straight years (2006 and 2007)
Residential Mortgage Loan Processing Manager, 2003 to 11/2005
Washington Mutual BankCity, STATE,
·    Successfully managed the number 1 processing team out of a 14 team district while achieving the distinction for the most on-time closing team
·    Audited all loan packages completed by my team to ensure compliance to federal, state, and institutional guidelines as well as accuracy (HMDA, RESPA)
·    Trained new hires and conducted side-by-side coaching to help my team members achieve their processing goals as well as scoring the highest in quality assurance scores across the board
·    Conducted quarterly employee evaluation to ensure my team members are on the right track professionally
Customer Service Manager, 08/1995 to 11/2003
Bank Of The WestCity, STATE,
·    Achieved the employee of the year award for my region in 1997, 1999 and 2001
·    Under my leadership, my branch secured the most checking, savings and certificate of deposit account opened in the our region in 1998 through 2000
·    Consistently achieved 90% to 94% customer satisfaction score for my branch under my leadership in a region where the average score was between 71% and 89%
·    Selected to be the Mentor Customer Service Manager (MCSM) for the region to help customer service managers in struggling branches improve their numbers
Education
: Political Science public budgeting, Expected in June, 1997 to De anza college - Cupertino, California
GPA:
Political Science with a concentration in public budgeting
Bachelor of Arts: Political Science, Expected in 2000 to Santa Clara University - Santa Clara, California
GPA:
Political Science with a concentration in public budgeting
Skills
Underwriting
·    Proficient in government and institutional Lending & Underwriting Guidelines | Rendering timely and defensible loan decisions | Credit & Income Analysis | Cash-Flow Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios | Conventional & Government Mortgages | Conforming & Nonconforming Loans | ARMs | Loan Closing, Funding & Documentation | Auditing and Compliance
 
MANAGEMENT
 
Residential Mortgage Loan Sales Manager / Wachovia Bank (12/2005 – 08/2008)
·    I ran an eleven person sales team of experienced mortgage loan sales people. During my tenure, my team was ranked number two in the region and four of my sales representatives were ranked in the top five sales people nationwide
·    Recognized 6 times for my team producing the cleanest and 100% compliant mortgage loan files
 
Loan Processing Manager / Washing Mutual Bank (01/2003 – 12/2005)
·    I ran the number one ranked residential mortgage loan processing center for compliance, production and quality assurance in northern California for two straight years
·    Consistently received KUDOS awards for my team scoring 100% on their quality assurance audits
 
Customer Service Manager / Bank of the West (09/1995 – 12/2002)
·    I managed a successful team of eight tellers and consistently ranked among the top 3 branches in a twenty-eight branch district. My team was number one in the district from 1998 through 2002

SALES
·    I ran the second ranked sales team nationally during my tenure as a mortgage sales manager with Wachovia Bank (2005 – 2008)
·    Ran the number one ranked loan processing team in Washington Mutual Bank (2003 – 2005)
·    Developed the number one sales team during my tenure as customer service manager in bank of the west (1998 – 2002)
 
COMMUNICATION
 
·    I conducted weekly and monthly team meetings with my staff where we discussed sales goals and expectations as well as employee team member recognition for milestones/goals achieved during my tenure in all my managerial positions
·    I created and delivered broker education courses/seminars during my tenure as the residential mortgage sales manager with Wachovia Bank
 
LEADERSHIP
 
·    As underwriting manager with G.L.H. Mortgage, I recruited, trained produced the # 1 Real Estate Brokerage firm in Northern California within the approved broker rolls of Bank of America and Chase Bank
·    I have over twelve years of management / leadership experience in a corporate environment
·    President of the Ellmann Homeowner’s Association, Fremont, CA. (01/2010 – Current)

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Resume Overview

School Attended

  • De anza college
  • Santa Clara University

Job Titles Held:

  • Senior underwriter
  • Senior Underwriter
  • Senior Loss Mitigation Underwriter
  • Online Customer Service Manager
  • Underwriting Manager
  • Residential Mortgage Loan Sales Manager
  • Residential Mortgage Loan Processing Manager
  • Customer Service Manager

Degrees

  • Bachelor of Arts

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