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Senior Underwriter Delegated Department Resume Example

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

Senior Mortgage Insurance Underwriter with over 10 years of successful work experience in compliance and risk underwriting. Recognized consistently for performance excellence. Proven expertise in identifying unacceptable risk and preventing fraud. Delegated Department Subject Matter Expert with vast knowledge of regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.

Skills
  • Creditworthiness Determination
  • Complete Loan File Review
  • Fraud Detection and Prevention
  • Attention to Detail
  • Deliver quality work within expected timelines
  • Analytical and Critical Thinking
  • Multitasking and Prioritization
  • Work under limited direction
  • Extensive remote work experience
  • Automated Underwriting System (AUS)
  • Microsoft Office
  • Time Management
  • Strong Verbal and Written Communication
Work History
Senior Underwriter, Delegated Department, 06/2007 to 07/2017
AssurantWebster, TX,
  • Monitored Delegated work queue, reviewing suspended data submissions, issue MI Commitment or denial based on current guidelines, requirements, and/or exceptions.
  • Reviewed bulk MI suspended data submissions from various National Accounts.
  • Evaluated debt ratio, loan-to-value ratios, credit scores, property valuations and various other factors when making underwriting decisions.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, current financial status and collateral.
  • Determined credit risks by reviewing files in advance and comparing data against internal, lender, and agency requirements/guidelines.
  • Maintained mortgage program compliance with federal agencies (Fannie Mae and Freddie Mac).
  • Balanced risk against profitability to make optimal business decisions.
  • Verified integrity of loan data information to minimize fraud.
  • Liaised with risk management, credit policy and underwriting management to direct compliance issues to appropriate channels for investigation and resolution.
  • Stayed current with latest changes to applicable regulatory standards and company procedures.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
  • Performed deep audits of Delegated Underwriting team to assess compliance with department standards.
  • SME - Designed and prepared technical reports, studies and related documentation.
  • SME - Established extensive procedures and policies for troubleshooting and resolving hardware and software issues.
  • SME - Compiled presentations and reports for senior management.
  • SME – Constructed scenarios, edited and tested internal computer system programs
  • Developed, deployed and maintained department processes and procedures.
  • "Trained the Trainer"; wrote department training manual incorporated by training department for new employees.
  • Offered friendly and efficient service to all customers, handled challenging situations with ease.
  • Contract to permanent staff Associate Underwriter 2007.
  • Promoted to Underwriter 2008 and Senior Underwriter 2010.
Associate Underwriter, 10/2006 to 08/2007
National GeneralStarkville, MS,
  • Contract Associate Underwriter at AIG United Guaranty.
  • Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
  • Worked with lenders to communicate errors and obtain missing information for current applications.
  • Handled any conditions sent from underwriting, average 15 loans per day.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Checked packages for appropriate documentation.
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Verified integrity of applicants' information to minimize fraud.
  • Maintained mortgage program compliance with federal agencies.
  • Managed over 30 customer calls per day.
Account Manager, 02/2004 to 07/2006
Argent Mortgage Company, LLCCity, STATE,
  • Set up and completed loan submission packages.
  • Worked directly with Senior Account Executive and mortgage broker's.
  • Loan pipeline management; 85+ loans monthly.
  • Coordinated closing process with internal closing/funding department.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted mortgage broker to clarify details.
  • Upheld complete confidentiality of all submitted information according to guidelines.
  • Worked with mortgage broker via telephone and email to answer questions, process transactions and resolve issues.
  • Assessed customer account histories to determine previous compliance with payment plans and loan terms.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Stacked and submitted completed loan packages to title and escrow.
  • Worked with underwriters to fix application problems and resolve issues.
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status.
  • Submitted completed loan applications with underwriting and made approval or denial recommendations.
  • Communicated acceptance or rejection to mortgage broker via mail, email, or telephone.
Education
: General Studies, Expected in
St. Louis Community College - Florissant, MO,
GPA:
High School Diploma: , Expected in
Duchesne High School - St. Charles, MO,
GPA:

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Resume Overview

School Attended
  • St. Louis Community College
  • Duchesne High School
Job Titles Held:
  • Senior Underwriter, Delegated Department
  • Associate Underwriter
  • Account Manager
Degrees
  • Some College (No Degree)
  • High School Diploma