underwriter resume example with 10+ years of experience
Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Professional Summary
Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Offering a successful career history comprising more than ten years.
Skills
Loan to Value Ratio Calculations
Post-Closing
FNMA & FHLMC Guidelines
Mortgage Loan Origination
Quality Improvement
Loan processing
Information Verification
FHLMC Guidelines
Asset Statements
Non-QM Markets
Debt-to-Income Ratios
Jumbo Loans
Appraisal Review
Credit Risk
Financial Forecasting
Mathematical Computation
Communications Strategies
Tax returns
Education
Colorado Technical UniversityColorado Springs, COExpected in 08/2023 ā āBBA:Finance - GPA:
Central High School Keller, TX, Expected in 2007 ā āHigh School Diploma: - GPA:
Professional Experience
Commercial Bank Of California - Credit Risk Analyst Irvine, CA, 06/2022 - Current
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
Carried out day-day-day duties accurately and efficiently.
Used critical thinking to break down problems, evaluate solutions and make decisions.
Offered friendly and efficient service to dealers, handled challenging situations with ease.
Reviewed and verified income, credit reports and employment histories for each borrower.
Recommended approval or disapproval of auto loans
Made decisions and recommendations about extending lines of credit.
Conducted presentations to upper management and executive teams for loan recommendations.
Ibc - Post Closing Manager Lawton, OK, 01/2022 - 05/2022
Consulted with outside vendors to identify and resolve loan closing issues.
Produced and submitted completed loan packages to title and escrow professionals.
Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
Collaborated with team members to achieve target results.
Resolved problems, improved operations and provided exceptional service.
Created plans and communicated deadlines to complete projects on time.
Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
Proved successful working within tight deadlines and fast-paced atmosphere.
Reviewed and validated details of loan applications and closing documentation.
First Entertainment Credit Union - Underwriter Hollywood, CA, 01/2019 - 08/2021
Successfully closed average of 60 loans per month while preventing operational and counterparty risk.
Evaluate debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Identify portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Determine and documented loan conditions and communicated requirements and decisions.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Recommended loan approvals and denials based on customer loan application reviews.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Wingspan Mortgage - Post Closing Underwriter City, STATE, 06/2017 - 01/2019
Provided all missing documents and requirements to process loan purchase
Monitor files for Investor suspensions
Work all files within predetermined 3 day maximum turn times
Distributed suspense notifications to Lenders to facilitate clearing of conditions by multiple loan review teams
Proactively managed pipeline by working with Lenders on aged loans to ensure guidelines to ensure turn times are met
Provided accurate weekly suspense reports to Management
Verified credit histories, personal references and employment backgrounds for each applicant.
Assessed customer account histories to determine previous compliance with payment plans and loan terms.
Consulted with outside vendors to identify and resolve loan closing issues.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Reviewed and validated details of loan applications and closing documentation.
Exceeded goals through effective task prioritization and great work ethic.
Conducted research, gathered information from multiple sources and presented results.
Eliminated downtime and maximized revenue by providing top project quality control.
Company Name - Credit Risk Analyst City, State, 02/2014 - 05/2017
Made decisions along with recommendations about extending lines of credit
Controlled credit exposure by providing financial order management support to minimize risk by obtaining timely payment
Contacted customers to requested financial documentation
Complied with internal controls and government regulations
Analyzed customer data such as financial statements to determine level of risk involved for extending credit
Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews
Performed credit reviews on corporations to assess financial conditions
Conducted presentations to upper management and executive teams for loan recommendations
Managed over 50 dealer calls per day
Company Name - Mortgage Underwriter City, State, 10/2010 - 01/2014
Trained junior team members in underwriting procedures and loan quality grading standards
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status
Checked personal and team calculations to validate information and underwriting decisions
Worked with processing team members to communicate errors and obtain missing information for current applications
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines
Verified integrity of applicants' information to minimize fraud
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