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wholesale mortgage underwriter resume example with 20+ years of experience

Jessica Claire
  • , , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
Website, Portfolio, Profiles
  • www.linkedin.com/JessicaClaire
Professional Summary

Hardworking and passionate job seeker with strong analytical skills eager to secure a mortgage underwriting position in remote environment. Ready to share 32 years of experience in the industry to resolve challenges and propel business growth. Collaborative team player with ownership mentality and track record of delivering the highest quality strategic solutions. Self motivated with 16 years working remotely. Excellent communication skills to create a positive customer experience. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Skills
  • Automated Underwriting System (AUS)
  • Income Evaluation & Validation
  • Property Evaluation & Validation
  • Complex Problem Solving
  • Attention to Detail - Sound Decision Making
  • Credit History Review - Creditworthiness Determination
  • NMLS Registration #738318 (expired)
  • Time Management & Database Management
  • Multitasking and Prioritization
  • Remote Video Conferencing
  • Report Preparation for timed standards
  • Consistently exceed goals set by management
Work History
Wholesale Mortgage Underwriter, 10/2020 to 12/2021
Brighthouse Financial Inc.Charlotte, NC,
  • Full document review for FNMA/FHLMC residential loans. Validating all assets, income, appraisal, contracts, title and disclosures adhere to DU/LP guidelines.
  • Determined credit risks by thorough review of files and comparing data against internal checklists and risk assessment tools.
  • Maintained sound knowledge of multiple loan products products offered to ensure compliance with all guidelines and applicable laws.
  • Worked closely with brokers, processing team and sales to obtain missing information. Structured follow up to prevent aging loans.
  • Evaluated performance of less experienced underwriters and helped improve overall work quality by providing clear feedback and expectations.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
  • Accurately set required closing conditions and confirm credit and loan documentation does not expire before loan has funded.
  • Ensured approved loans meet all secondary market investor guidelines to allow resale.
Quality Control Analyst, 01/2019 to 10/2020
Alaskausa Mortgage CompanyEdmonds, WA,
  • Ensured Federal and State compliance on personal and business lending by complete review of loan files prior to loan estimate and closing disclosure issuance,
  • Federal and State audit support, preparation of financial statements and daily balancing of third party fee accounting.
  • Accurately prepared and filed required UCC's, mortgage releases.
  • Provided loan payoff quotes, processed construction disbursements and reviewed construction progress through appraiser feedback.
  • Notary Commission number 19262070. State of Missouri through June 27, 2023
  • Created and maintained database to monitor flood and hazard insurance coverage for all secured loans. Effectively communicated insurance requirements to borrower and force placed insurance to protect banks collateral as required.
  • Adhered to safety and clean area procedures to comply with agency and regulatory mandates.
  • Compiled and distributed weekly feedback to team leaders and managers to improve service time and quality while increasing productivity.
  • Kept inspection journals and daily summary logs as required.
  • Developed and maintained quality assurance procedure documentation. Trained my replacement prior to resignation.
Senior Mortgage Underwriter, 08/1999 to 03/2018
M/I HomesChicago, IL,


  • Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
  • Solid credit knowledge of Conventional loans adhering to FNMA/FHLMC guidelines. $500,000.00 credit authority with certification to validate all aspects of loan transaction.
  • Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited. Providing feedback and support to peers increasing team morale.
  • New hire training, delegation and mentoring in Michigan and Missouri. Weekly conference calls with management for status on trainees and log status of loans in pipeline.
  • Met 24-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
Junior Underwriter, 08/1996 to 08/1999
Citibank, NACity, STATE,
  • Coordinated with personal bankers to facilitate mortgage process clearly and effectively.
  • Credit delegation of $100,000,00.
  • Monitored loans over $100,000.00 to prevent aging application. Effective communication to obtain missing information required to final loan decision.
  • Analyzed credit, income, compliance, title documents and appraisals during underwriting process. Documented loan file regarding validations and outstanding items.
  • Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
  • Improved operations through consistent hard work and dedication.
Education
High School Diploma: , Expected in 05/1988 to Francis Howell High School - Saint Charles, MO
GPA:
Additional Information

Letters of recommendation present on LinkedIn profile.

Additional references available upon request.

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Resume Overview

School Attended

  • Francis Howell High School

Job Titles Held:

  • Wholesale Mortgage Underwriter
  • Quality Control Analyst
  • Senior Mortgage Underwriter
  • Junior Underwriter

Degrees

  • High School Diploma

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