what to put on resume for working at mortgage company
Mortgage Underwriter Resume Samples
A Mortgage Underwriter position is crucial for the mortgaging process, every bit this professional has the right to approve or deny the mortgage loan to the clients. The common duties and responsibilities associated to this office are depicted on the Mortgage Underwriter Resume as follows – making sure the application is fully completed and accurate with all details filled; verifying the supporting documents; entering the information into the databases or automatic processing systems; using diverse online resources to summate credit checks; ensuring the specifications and terms of loans are met, and specifying endmost conditions.
To begin a career in this line, the following skills are required – cognition of economic science, law, bookkeeping and government; the ability to utilize fiscal and accounting analyzing skills; and familiarity with relevant software. A available's degree in economics or banking is common on resumes, however, an associate'south degree in baking may also authorize.
Looking for drafting your winning cover letter? See our sample Mortgage Underwriter Cover Alphabetic character.
Mortgage Underwriter Resume
Headline : Strategic and belittling finance professional with 8+ years of success in financial reporting, assay, and project management. Consistently meets deadlines, resolves discrepancies, and increases visitor acquirement. Highly skilled at maximizing productivity through detailed assay and process improvements.
Skills : Underwriting.
Description :
- Responsible for underwriting mortgages and recommending loans for approval on all residential properties, including authorizing terms and weather condition of residential commitment letters, conducting thorough credit investigations, obtaining and validating credit information, income confirmation and down payments.
- Provided reviews loan files for completeness and accuracy, analyzing credit documents, including, but non limited to, mortgage applications, credit history, and income documents, championship documents, appraisals and all applicable compliance documents Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and diverse other factors.
- Tax and title review, Determine and documented loan conditions and communicating requirements and/or decisions.
- Adhered to all customer/lender policies and procedures, in addition to Federal, State, and/or municipal laws and regulations.
- Identifies portfolio risks resulting from the customer's underlying business practices, underwriting, and/or fraud exposure.
- Participated in identifying potential challenges inside the underwriting process and/or department and makes recommendations for changes to improve.
- Remote Underwriter, bear out weekly pipelines with each co-operative to ensure loans move frontward.
Feel
5-7 Years
Level
Executive
Education
Bachelors In Scientific discipline
Sr. Mortgage Underwriter Resume
Summary : Highly qualified Mortgage Underwriter with experience in the industry. Enjoy creative problem solving and getting exposure on multiple projects, and I would excel in the collaborative environment on which your visitor prides itself.
Skills : Public Speaking, Desktop Underwriter, AllRegs, MGIC.
Clarification :
- Determines credit worthiness and hazard associated with borrower based on credit profile.
- Communicates decisions that most effectively mitigate credit risks for USAA, including data integrity and validity of information submitted.
- Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and feel.
- Responsible for the assay of submitted files for repayment capacity, capital/avails, character, collateral, and property condition, while adhering to USAA credit policies and investor/bureau guidelines.
- Works under moderate supervision; acquires and applies maturing knowledge of the business concern, its products, and processes.
- Uses established procedures and significant task experiences to perform moderately circuitous work assignments and problem resolution.
- Utilizes lending authority and mature understanding of all aspects of Mortgage and/or Habitation Disinterestedness underwriting and portfolio guidelines to underwrite moderately circuitous loan files.
- Performs Credit & Income Analysis, Risk Cess, and Loan to Value Ratios, Debt to Income Ratios as well as Compliance and Quality Control Reviews and evaluates credit applications to assess the loan package for approval of fraudulent activity, and provides feedback to the Processors and Originators to improve the quality of the loan files.
Feel
10+ Years
Level
Senior
Education
Diploma
Jr. Mortgage Underwriter Resume
Headline : Obtaining a career in credit take a chance and compliance. My objective is to utilize my electric current feel and use my skills in a new part while learning new skills and objective to enhance my career skill ready.
Skills : Microsoft Office Suite.
Description :
- Compiled, verified and typed awarding data for mortgage loans.
- Reviewed adventure through credit policy and interpreting Agency Guidelines.
- Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and corporeality of mortgage, borrower assets, liabilities and length of employment.
- Reviewing appraisals, income, and nugget, documentation.
- Skill ready for Agency Loans - Fannie Mae and Freddie Mac guidelines, with a focus of Retail Underwriting.
- Review submitted files to analyze for Capacity, Capital letter, Graphic symbol and Condition.
- Problem Solving used to mitigate loss for Chase while delivering high quality customer service and assisting product.
Feel
five-7 Years
Level
Executive
Education
Available In Arts
Mortgage Underwriter III Resume
Objective : More than 10 years of feel in Mortgage Banking. More than than 6 years of War machine Leadership Feel. Mortgage industry professional with loan-processing and underwriting experience and a comprehensive knowledge of conventional and government loan programs. Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide and underwrite each loan from preapproval to closing. Robust record of success in achieving complex objectives and timelines.
Skills : Proficient In Microsoft Applications: Give-and-take, Excel, Power Point, Outlook. Knowledgeable In MSP, LPS, Early Resolution, ICAT, I-VAULT, TMQ Figurer And Internet Literate.
Description :
- Ensured loan submittals met internal and external eligibility requirements.
- Gained extensive experience in underwriting FHA, VA and Fannie Mae Loans.
- Provided meticulous attending to item in underwriting mortgages.
- Evaluated the client'southward fiscal power, intent, willingness, reason for default, and ability to make payments, and apply appropriate retention or liquidation solutions.
- Review performing repayment & stipulated repayment plan loans and through borrower contact and/or loan assay, initiate loan modifications in alignment with NPV results and internal guidelines and policies.
- Follow department procedures associated with the packaging and recommending of loan modifications, and obtaining all necessary file components including but non limited to BPO procurement, credit reports, 3rd party approvals, and other detail every bit required.
- Coordinate and facilitate loss mitigation efforts with associated departments, foreclosure counsel, investors, Agencies, Hunt Master Servicing, default vendors and mortgage insurance companies.
- Document all relevant workout terms to ensure agreements can exist fulfilled and monitored.
Feel
2-5 Years
Level
Junior
Education
Available Of Science
Mortgage Underwriter II Resume
Objective : Looking for a mortgage underwriting opportunity with the ability for growth and advancement and to work for a company that has the ability to sponsor new FHA/DE underwriters. Proficient in DU and LP Skilled in Fannie Mae, Freddie Mac, Bureau Jumbo, High Net Worth.
Skills : Encompass, SAP, Salesforce.
Description :
- Actively managed a pipeline of both purchase and refinance residential mortgage loans with a focus on turn time, service and quality.
- Maintained signing say-so of $750K and performed 2nd sign declines requiring a review of the initial underwrite and comparison to guidelines and compliance.
- Reviewed complete loan package including assets, income, credit, and collateral to determine creditworthiness.
- Met and exceeded production goals and quality control reviews.
- Analyzed collateral on all files past reviewing residential appraisal forms to ensure that the appraised value was supported by comparative sales, market area, and met agency/investor collateral requirements.
- Reviewed unmarried-family, condominium, multi-family, income-producing properties, and manufactured home appraisals.
- Condominium reviews included express project reviews.
Experience
ii-v Years
Level
Junior
Pedagogy
Cyberbanking
Mortgage Underwriter/Processor Resume
Summary : Highly qualified and adjustable professional person offering over 30 years of feel gained from the Mortgage Lending, QC Compliance/Gamble and Restaurant Industries. Recognized for initiative, ethics and strong ability to piece of work independently or as office of a team. Highly observant, detailed oriented and able to communicate effectively while demonstrating strong delivery to organizational success.
Skills : DE, VA/SAR, Convention mortgage loan underwriter.
Description :
- Included all aspects of loan document review, verification and analysis for loan approval and processing.
- Reviewed loan products/programs, qualifications, terms and atmospheric condition every bit well as processes with customers.
- Ensured that loan requests met program and product specifications or adamant appropriate products to offer customers.
- Communicated product information, transaction status and loan decisions to internal stakeholders and external customers.
- Upheld fair lending practices, and followed all policies and procedures of JPMorgan Chase Mortgage.
- Consistently was recognized for exceeding productivity, quality and customer satisfaction targets Loan Processor Responsibilities Included ensuring that all borrower documentation met lending criteria and was complete and accurate before sending to Underwriter.
- Ensured that loan requests met program and production specifications or determined advisable products to offer customers.
- Stayed beside of industry regulations and changes, and bank policies and procedures to assure loan compliance.
Experience
10+ Years
Level
Senior
Education
High School Diploma
Mortgage Underwriter/Loan Processor Resume
Objective : Over vi years combined experience in mortgages- loan modification underwriting, customer service, collections. Particular and goal oriented, ability to manage multiple projects, proven track record of coming together and exceeding goals.
Skills : Microsoft Office.
Description :
- Reviewed and evaluated loan files for run a risk bug and potential misrepresentation.
- Reviewed and analyzed credit reports, loan applications, income documentation, employment records, and court documents such as bankruptcy and divorce decrees and verifies data as needed to determine borrower's ability to run across loan requirements.
- Ensured compliance with federal, state and local regulations, industry principles, practices, standards, and controls; and the business organisation objectives, policies, hazard parameters and guidelines of the organization.
- Adamant overall loan documentation to ensure accuracy, completeness and fraud prevention.
- Contacted advisable parties for necessary documents.
- Recorded loan rejections, specifying investor and institution guidelines and basis for failing awarding, such as insufficient cash reserves.
- Determined advisable recommendations subject to management and underwriting guidelines.
- Displayed fourth dimension direction skills necessary to complete projects satisfactorily and in compliance.
Experience
2-v Years
Level
Junior
Education
Risk Management
Mortgage Underwriter I Resume
Objective : Underwriter with eight years experience in underwriting conventional mortgages, dwelling equity lines & loans, unsecured and secured collateral loans. Previous experience includes financial toll controls, armada direction and purchasing.
Skills : In-depth Knowledge Of Credit Ratings And Web-based Reporting Tools; Desktop Underwriter, Loan Prospector, WP2, Excel, MSP, Cover, And LPS. FNMA And FHLMC Collections And Loss Mitigation Experience, HAMP And HAFA.
Clarification :
- Responsible for applying standard company, investor and insurer fiscal solutions associated with troubled residential existent estate loans to assist minimize credit loss to the company.
- Reviewed complex real estate loans to analyze Capacity, Capital, Character, Condition, and Fraud.
- Examined loan documentation for accuracy and completeness while working with loan originators and product staff to secure all required documents to return a decision.
- Applied knowledge of underwriting and regulatory compliance requirements.
- Reviewed and verifying the income, credit history, and employment details of the depository financial institution applicants.
- Reviewed Appraisals and circuitous tax returns Ensured loans come across all program and product specifications.
- Communicated loan decisions and deficiencies with clarity.
- Adhered to all JPMorgan Chase fair lending practices Maintained and met all departmental goals for productivity, quality, and turnaround time.
Experience
2-v Years
Level
Executive
Instruction
Banking And Finance
Independent Mortgage Underwriter Resume
Summary : To piece of work for a company that promotes leadership, diversity, and values performance-based results. A company that I can utilise my skills, while obtaining new ones at the same time to broaden and advance in my career.
Skills : Microsoft Office, Word, Excel, Outlook, PowerPoint Office-Filing, Faxing, 50wpm, Multiple Phone Lines, Data Entry.
Description :
- Drafted an Initial Credit Conclusion for 7 loans a twenty-four hour period on unmarried family unit residence, manufactured homes, planned unit of measurement developments and 1 to iv unit backdrop that were assigned to me.
- Ensured loans were in compliance with Freddie Mac, Fannie Mae, Investor and portfolio guidelines.
- Reviewed applications and associated documentation to insure thoroughness and accurateness.
- Reviewed and assess fiscal information to determine borrower's ability to make hereafter payments.
- Perform analysis and review of all loan information, including, withal, not limited to credit reports, appraisal reports, title reports, taxation returns, financial statements, income and assets documentation necessary to make final credit conclusion.
- Communicate immediately and effectively verbally and in writing with all applicants and internal squad members with identified weather needed for approval.
- Maintain acceptable turnaround times for applications submitted.
Feel
vii-10 Years
Level
Consultant
Education
Mortgage Finance
Mortgage Underwriter/Consultant Resume
Objective : Mortgage Underwriter with xx years experience in the mortgage lending industry. 18 years in loan processing and 2 years experienced in underwriting FHA, VA, and Conventional mortgage loans. FHA DE, VA LAPP/SAR certified. Responsible for accurately reviewing loan files and providing a loan decision of blessing or denial in a timely manner. Applying all agency guidelines, investor guidelines, aggregate requirements and federal regulations to the decision process to ensure loan quality and stability.
Skills : Powerpoint, Microsoft access, Microsoft Function, Microsoft Word, Microsoft Outlook, Microsoft Excel,.
Description :
- Responsible for underwriting residential loans ensuring compliance with appropriate company and secondary market place standards.
- Maintain a thorough working knowledge of FNBs lending policies and procedures, and the secondary market underwriting guidelines, rate pricing, and requirements for packaging of loans.
- Liaison with lenders, appraisers and other third parties to communicate needs and requirements.
- Examine loan file documentation to determine acceptability of borrowers credit histories, adequacy of liquid assets and financial capacity in relation to loan requests.
- Analyze taxation returns and financial statements to determine ongoing cash flow to support loan repayment.
- Review preliminary championship reports, purchase agreements, environmental reports, property inspection reports, appraisal reports and related documentation for acceptability.
- Auditing loan documents and airtight loan files.
Experience
2-5 Years
Level
Junior
Educational activity
MS In Project Management
Acquaintance Mortgage Underwriter Resume
Objective : A Dynamic, Result- Oriented Professional with over 12 Years Experience in Underwriting and Loan Servicing. Exceptional Time Management Skills, Strong Organizational and Negotiation Skills Motivated Cocky- starter, with a Proactive Attitude who excels in Challenging and Competitive Environment. Excellent Mediation Skills with a Strong Development of Business Human relationship with Customers and Employees.
Skills : Lending & Underwriting Guidelines Credit & Income Assay Greenbacks-Period Analysis Take chances Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional Mortgages Conforming & Nonconforming Loans Loan Endmost, Funding & Documentation Account Service Excellence.
Clarification :
- Reviewed all documentation for home loans.
- Displayed meticulous attending to detail in underwriting mortgages.
- Evaluated the financial strength of borrowers to determine take chances and repayment chapters, also every bit verified income and employment details for each applicant and reviewed applicant's credit history.
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
- Maintained compliance with lending, underwriting and government requirements.
- Balanced the need for loan-volume growth with the as of import necessity of optimum underwriting quality to minimize risk while maximizing profitability.
- Gained extensive experience in underwriting FHA, VA and Fannie Mae Loans.
- Demonstrated splendid follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Experience
two-5 Years
Level
Executive
Educational activity
Master Of Science
Mortgage Underwriter Resume
Summary : Mortgage professional with more than x years' experience in the mortgage manufacture. My feel in the mortgage industry includes underwriting, processing, and sales. Vast feel in underwriting income (W2 wage earner, self-employed, sole proprietor, partnerships, Southward-Corp, Corporation, non-taxable income), assets, credit, collateral and risk.
Skills : Microsoft Office.
Description :
- Clarify all loan documents which include income, assets, credit, collateral, buy contracts, title, and other required documentation.
- Perform underwriting decision based on income (W2 wage earner, cocky-employed, sole proprietor, partnerships, S-Corp, Corporation, non-taxable income), assets, credit, collateral, championship and risk.
- Underwriting loan products/programs that require mortgage insurance.
- Review/order mortgage insurance, homeowners insurance, flood insurance, flood certifications, and other documentation related to each loan.
- Review interest rates and interest charge per unit locks.
- Come across, waive, and add necessary weather.
- Discuss loan conditions and decisions with processors and/or sales squad.
- Ready written rationalization for underwriting decision of Credit and Income Approval/Approve/Reject based loan documents received and product/program guidelines.
Experience
7-10 Years
Level
Consultant
Education
Banking
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