April 11, 2021
Years of Experience

Mortgage Underwriter Resume Samples | QwikResume

Mortgage Underwriter Resume

Headline : Strategic and analytical finance skilled with 8+ years of success in monetary reporting, evaluation, and challenge administration. Persistently meets deadlines, resolves discrepancies, and will increase firm income. Extremely expert at maximizing productiveness by means of detailed evaluation and course of enhancements.

Abilities : Underwriting.

Description :

  1. Accountable for underwriting mortgages and recommending loans for approval on all residential properties, together with authorizing phrases and circumstances of residential dedication letters, conducting thorough credit score investigations, acquiring and validating credit score info, affirmation and down funds.
  2. Supplied evaluations mortgage information for completeness and accuracy, analyzing credit score paperwork, together with, however not restricted to, mortgage functions, credit score historical past, and paperwork, title paperwork, value determinations and all relevant compliance paperwork Evaluated debt ratio, loan-to-value ratios, credit score rating, property valuation, and numerous different elements.
  3. Tax and title evaluation, Decide and documented mortgage circumstances and speaking necessities and/or selections.
  4. Adhered to all consumer/lender insurance policies and procedures, along with Federal, State, and/or municipal legal guidelines and rules.
  5. Identifies portfolio dangers ensuing from the consumer’s underlying enterprise practices, underwriting, and/or fraud publicity.
  6. Participated in figuring out potential challenges inside the underwriting course of and/or division and makes suggestions for adjustments to enhance.
  7. Distant Underwriter, perform weekly pipelines with every department to make sure loans transfer ahead.
Years of Experience

Expertise

5-7 Years

Experience Level

Degree

Government

Education

Schooling

Bachelors In Science



Sr. Mortgage Underwriter Resume

Abstract : Extremely certified Mortgage Underwriter with expertise within the business. Get pleasure from artistic downside fixing and getting publicity on a number of initiatives, and I’d excel within the collaborative setting on which your organization prides itself.

Abilities : Public Talking, Desktop Underwriter, AllRegs, MGIC.

Description :

  1. Determines credit score worthiness and threat related to borrower stylish on credit score profile.
  2. Communicates selections that the majority successfully mitigate credit score dangers for USAA, together with knowledge integrity and validity of data submitted.
  3. Applies understanding of established tips, Truthful Lending and all different regulatory necessities when evaluating mortgage attributes whereas using prudent underwriting judgment and expertise.
  4. Accountable for the evaluation of submitted information for compensation capability, capital/belongings, character, collateral, and property situation, whereas adhering to USAA credit score insurance policies and investor/company tips.
  5. Works underneath reasonable supervision; acquires and applies maturing information of the enterprise, its merchandise, and processes.
  6. Makes use of established procedures and important job experiences to carry out reasonably advanced work assignments and downside decision.
  7. Makes use of lending authority and mature understanding of all features of Mortgage and/or Residence Fairness underwriting and portfolio tips to underwrite reasonably advanced mortgage information.
  8. Performs Credit score & Revenue Evaluation, Danger Evaluation, and Mortgage to Worth Ratios, Debt to Revenue Ratios in addition to Compliance and High quality Management Opinions and evaluates credit score functions to evaluate the mortgage bundle for approval of fraudulent exercise, and gives suggestions to the Processors and Originators to enhance the standard of the mortgage information.
Years of Experience

Expertise

10+ Years

Experience Level

Degree

Senior

Education

Schooling

Diploma



Jr. Mortgage Underwriter Resume

Headline : Acquiring a profession in credit score threat and compliance. My goal is to make use of my present expertise and apply my abilities in a brand new function whereas studying new abilities and goal to reinforce my profession talent set.

Abilities : Microsoft Workplace Suite.

Description :

  1. Compiled, verified and typed utility info for mortgage loans.
  2. Reviewed threat by means of credit score coverage and deciphering Company Pointers.
  3. Reviewed residential mortgage utility information to confirm that utility knowledge was full and met institution requirements, together with sort and quantity of mortgage, borrower belongings, liabilities and size of employment.
  4. Reviewing value determinations, , and asset, documentation.
  5. Ability set for Company Loans – Fannie Mae and Freddie Mac tips, with a spotlight of Retail Underwriting.
  6. Evaluate submitted information to research for Capability, Capital, Character and Situation.
  7. Drawback Fixing used to mitigate loss for Chase whereas delivering top quality customer support and worthwhile product.
Years of Experience

Expertise

5-7 Years

Experience Level

Degree

Government

Education

Schooling

Bachelor In Arts


Mortgage Underwriter III Resume

Goal : Greater than 10 years of expertise in Mortgage Banking. Greater than 6 years of Army Management Expertise. Mortgage business skilled with loan-processing and underwriting expertise and a complete information of typical and authorities mortgage packages. Thorough in gathering borrower info, verifying mortgage paperwork and reviewing file documentation to information and underwrite every mortgage from preapproval to closing. Sturdy document of success in reaching advanced targets and timelines.

Abilities : Proficient In Microsoft Functions: Phrase, Excel, Energy Level, Outlook. Educated In MSP, LPS, Early Decision, ICAT, I-VAULT, TMQ Laptop And Web Literate.

Description :

  1. Ensured mortgage submittals met inside and exterior eligibility necessities.
  2. Gained in depth expertise in underwriting FHA, VA and Fannie Mae Loans.
  3. Supplied meticulous consideration to element in underwriting mortgages.
  4. Evaluated the shopper’s monetary capacity, intent, willingness, motive for default, and skill to make funds, and apply acceptable retention or liquidation options.
  5. Evaluate performing compensation & stipulated compensation plan loans and thru borrower contact and/or mortgage evaluation, provoke mortgage modifications in alignment with NPV outcomes and inside tips and insurance policies.
  6. Comply with division procedures related to the packaging and recommending of mortgage modifications, and acquiring all essential file parts together with however not restricted to BPO procurement, credit score studies, third celebration approvals, and different merchandise as required.
  7. Coordinate and facilitate loss mitigation efforts with related departments, foreclosures counsel, buyers, Businesses, Chase Grasp Servicing, default distributors and mortgage insurance coverage corporations.
  8. Doc all related exercise phrases to make sure agreements might be fulfilled and monitored.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Junior

Education

Schooling

Bachelor Of Science


Mortgage Underwriter II Resume

Goal : On the lookout for a mortgage underwriting alternative with the power for development and development and to work for an organization that has the power to sponsor new FHA/DE underwriters. Proficient in DU and LP Expert in Fannie Mae, Freddie Mac, Company Jumbo, Excessive Internet Price.

Abilities : Embody, SAP, Salesforce.

Description :

  1. Actively managed a pipeline of each buy and refinance residential mortgage loans with a deal with flip time, service and high quality.
  2. Maintained signing authority of $750K and carried out second signal declines requiring a evaluation of the preliminary underwrite and comparability to tips and compliance.
  3. Reviewed full mortgage bundle together with belongings, , credit score, and collateral to find out creditworthiness.
  4. Met and exceeded manufacturing objectives and high quality management evaluations.
  5. Analyzed collateral on all information by reviewing residential appraisal types to make sure that the appraised worth was supported by comparative gross sales, market space, and met company/investor collateral necessities.
  6. Reviewed single-family, condominium, multi-family, income-producing properties, and manufactured dwelling value determinations.
  7. Condominium evaluations included restricted challenge evaluations.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Junior

Education

Schooling

Banking


Mortgage Underwriter/Processor Resume

Abstract : Extremely certified and adaptable skilled providing over 30 years of expertise gained from the Mortgage Lending, QC Compliance/Danger and Restaurant Industries. Acknowledged for initiative, ethics and powerful capacity to work independently or as a part of a group. Extremely observant, detailed oriented and in a position to talk successfully whereas demonstrating robust dedication to organizational success.

Abilities : DE, VA/SAR, Conference mortgage mortgage underwriter.

Description :

  1. Included all features of mortgage doc evaluation, verification and evaluation for mortgage approval and processing.
  2. Reviewed mortgage merchandise/packages, {qualifications}, phrases and circumstances in addition to processes with clients.
  3. Ensured that mortgage requests met program and product specs or decided acceptable merchandise to supply clients.
  4. Communicated product info, transaction standing and mortgage selections to inside stakeholders and exterior clients.
  5. Upheld truthful lending practices, and adopted all insurance policies and procedures of JPMorgan Chase Mortgage.
  6. Persistently was acknowledged for exceeding productiveness, high quality and buyer satisfaction targets Mortgage Processor Duties Included making certain that each one borrower documentation met lending standards and was full and correct earlier than sending to Underwriter.
  7. Ensured that mortgage requests met program and product specs or decided acceptable merchandise to supply clients.
  8. Stayed abreast of business rules and adjustments, and financial institution insurance policies and procedures to guarantee mortgage compliance.
Years of Experience

Expertise

10+ Years

Experience Level

Degree

Senior

Education

Schooling

Excessive Faculty Diploma


Mortgage Underwriter/Mortgage Processor Resume

Goal : Over 6 years mixed expertise in mortgages- mortgage modification underwriting, customer support, collections. Element and objective oriented, capacity to handle a number of initiatives, confirmed monitor document of assembly and exceeding objectives.

Abilities : Microsoft Workplace.

Description :

  1. Reviewed and evaluated mortgage information for threat points and potential misrepresentation.
  2. Reviewed and analyzed credit score studies, mortgage functions, documentation, employment information, and courtroom paperwork equivalent to chapter and divorce decrees and verifies info as wanted to find out borrower’s capacity to satisfy mortgage necessities.
  3. Ensured compliance with federal, state and native rules, business ideas, practices, requirements, and controls; and the enterprise targets, insurance policies, threat parameters and tips of the group.
  4. Decided general mortgage documentation to make sure accuracy, completeness and fraud prevention.
  5. Contacted acceptable events for essential paperwork.
  6. Recorded mortgage rejections, specifying investor and establishment tips and foundation for declining utility, equivalent to inadequate money reserves.
  7. Decided acceptable suggestions topic to administration and underwriting tips.
  8. Displayed time administration abilities essential to finish initiatives satisfactorily and in compliance.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Junior

Education

Schooling

Danger Administration


Mortgage Underwriter I Resume

Goal : Underwriter with eight years expertise in underwriting typical mortgages, dwelling fairness strains & loans, unsecured and secured collateral loans. Earlier expertise contains monetary value controls, fleet administration and buying.

Abilities : In-depth Information Of Credit score Rankings And Net-based Reporting Instruments; Desktop Underwriter, Mortgage Prospector, WP2, Excel, MSP, Embody, And LPS. FNMA And FHLMC Collections And Loss Mitigation Expertise, HAMP And HAFA.

Description :

  1. Accountable for making use of normal firm, investor and insurer monetary options related to troubled residential actual property loans to assist decrease credit score loss to the corporate.
  2. Reviewed advanced actual property loans to research Capability, Capital, Character, Situation, and Fraud.
  3. Examined mortgage documentation for accuracy and completeness whereas working with mortgage originators and manufacturing workers to safe all required paperwork to render a choice.
  4. Utilized information of underwriting and regulatory compliance necessities.
  5. Reviewed and verifying the , credit score historical past, and employment particulars of the financial institution candidates.
  6. Reviewed Value determinations and sophisticated tax returns Ensured loans meet all program and product specs.
  7. Communicated mortgage selections and deficiencies with readability.
  8. Adhered to all JPMorgan Chase truthful lending practices Maintained and met all departmental objectives for productiveness, high quality, and turnaround time.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Government

Education

Schooling

Banking And Finance


Impartial Mortgage Underwriter Resume

Abstract : To work for an organization that promotes management, variety, and values performance-based outcomes. An organization that I can make the most of my abilities, whereas acquiring new ones on the similar time to broaden and advance in my profession.

Abilities : Microsoft Workplace, Phrase, Excel, Outlook, PowerPoint Workplace-Submitting, Faxing, 50wpm, A number of Cellphone Traces, Knowledge Entry.

Description :

  1. Drafted an Preliminary Credit score Determination for 7 loans a day on single household residence, manufactured properties, deliberate unit developments and 1 to 4 unit properties that have been assigned to me.
  2. Ensured loans have been in compliance with Freddie Mac, Fannie Mae, Investor and portfolio tips.
  3. Reviewed functions and related documentation to insure thoroughness and accuracy.
  4. Reviewed and assess monetary info to find out borrower’s capacity to make future funds.
  5. Carry out evaluation and evaluation of all mortgage info, together with, nonetheless, not restricted to credit score studies, appraisal studies, title studies, tax returns, monetary statements, and belongings documentation essential to make ultimate credit score choice.
  6. Talk instantly and successfully verbally and in writing with all candidates and inside group members with recognized circumstances wanted for approval.
  7. Preserve acceptable turnaround instances for functions submitted.
Years of Experience

Expertise

7-10 Years

Experience Level

Degree

Marketing consultant

Education

Schooling

Mortgage Finance


Mortgage Underwriter/Marketing consultant Resume

Goal : Mortgage Underwriter with 20 years expertise within the mortgage lending business. 18 years in mortgage processing and a pair of years skilled in underwriting FHA, VA, and Typical mortgage loans. FHA DE, VA LAPP/SAR licensed. Accountable for precisely reviewing mortgage information and offering a mortgage choice of approval or denial in a well timed method. Making use of all company tips, investor tips, combination necessities and federal rules to the choice course of to make sure mortgage high quality and stability.

Abilities : Powerpoint, Microsoft entry, Microsoft Workplace, Microsoft Phrase, Microsoft Outlook, Microsoft Excel,.

Description :

  1. Accountable for underwriting residential loans making certain compliance with acceptable firm and secondary market requirements.
  2. Preserve a radical working information of FNBs lending insurance policies and procedures, and the secondary market underwriting tips, charge pricing, and necessities for packaging of loans.
  3. Liaison with lenders, appraisers and different third events to speak wants and necessities.
  4. Look at mortgage file documentation to find out acceptability of debtors credit score histories, adequacy of liquid belongings and monetary capability in relation to mortgage requests.
  5. Analyze tax returns and monetary statements to find out ongoing money circulation to help mortgage compensation.
  6. Evaluate preliminary title studies, buy agreements, environmental studies, property inspection studies, appraisal studies and associated documentation for acceptability.
  7. Auditing mortgage paperwork and closed mortgage information.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Junior

Education

Schooling

MS In Venture Administration


Affiliate Mortgage Underwriter Resume

Goal : A Dynamic, Outcome- Oriented Skilled with over 12 Years Expertise in Underwriting and Mortgage Servicing. Distinctive Time Administration Abilities, Robust Organizational and Negotiation Abilities Motivated Self- starter, with a Proactive Perspective who excels in Difficult and Aggressive Surroundings. Wonderful Mediation Abilities with a Robust Growth of Enterprise Relationship with Prospects and Workers.

Abilities : Lending & Underwriting Pointers Credit score & Revenue Evaluation Money-Circulate Evaluation Danger Evaluation Mortgage-to-Worth Ratios Debt-to-Revenue Ratios Typical Mortgages Conforming & Nonconforming Loans Mortgage Closing, Funding & Documentation Account Service Excellence.

Description :

  1. Reviewed all documentation for dwelling loans.
  2. Displayed meticulous consideration to element in underwriting mortgages.
  3. Evaluated the monetary power of debtors to find out threat and compensation capability, in addition to verified and employment particulars for every applicant and reviewed applicant’s credit score historical past.
  4. Leveraged information of mortgage merchandise to assist restructure turned-down loans for subsequent approvals.
  5. Maintained compliance with lending, underwriting and authorities necessities.
  6. Balanced the necessity for loan-volume development with the equally necessary necessity of optimum underwriting high quality to reduce threat whereas maximizing profitability.
  7. Gained in depth expertise in underwriting FHA, VA and Fannie Mae Loans.
  8. Demonstrated glorious follow-through with debtors, mortgage processors, mortgage originators and administration all through all phases of the underwriting course of.
Years of Experience

Expertise

2-5 Years

Experience Level

Degree

Government

Education

Schooling

Grasp Of Science


Mortgage Underwriter Resume

Abstract : Mortgage skilled with greater than 10 years’ expertise within the mortgage business. My expertise within the mortgage business contains underwriting, processing, and gross sales. Huge expertise in underwriting (W2 wage earner, self-employed, sole proprietor, partnerships, S-Corp, Company, non-taxable ), belongings, credit score, collateral and threat.

Abilities : Microsoft Workplace.

Description :

  1. Analyze all mortgage paperwork which embrace , belongings, credit score, collateral, buy contracts, title, and different required documentation.
  2. Carry out underwriting choice stylish on (W2 wage earner, self-employed, sole proprietor, partnerships, S-Corp, Company, non-taxable ), belongings, credit score, collateral, title and threat.
  3. Underwriting mortgage merchandise/packages that require mortgage insurance coverage.
  4. Evaluate/order mortgage insurance coverage, owners insurance coverage, flood insurance coverage, flood certifications, and different documentation associated to every mortgage.
  5. Evaluate rates of interest and rate of interest locks.
  6. Meet, waive, and add essential circumstances.
  7. Talk about mortgage circumstances and selections with processors and/or gross sales group.
  8. Put together written rationalization for underwriting choice of Credit score and Revenue Approval/Approve/Decline stylish mortgage paperwork obtained and product/program tips.
Years of Experience

Expertise

7-10 Years

Experience Level

Degree

Marketing consultant

Education

Schooling

Banking