Loan Underwriter Cover Letter Example

Loan Underwriters are hired to review and approve mortgage or loan applications. The individual in such a capacity should be able to assess the financial risk of the loan applicant, and ensure that the application meets the lender’s requirements. To ensure success in this role, the applicant must have a strong knowledge of the loan processes and procedures; and be able to work under tight or stringent deadlines.

Writing a professional Loan Underwriter Cover letter is a way a hiring manager gets his/her first impression of you. In order to stand out among others and present your relevant work history and skills, you have to come out with a powerful Cover Letter. Whether you are seeking an entry-level position or have several years of experience in the field, exposing the relevant achievements in the cover letter allows you to stand out and get that job interview. Unable to write one, use our free Loan Underwriter Cover Letter sample and expert writing tips. Need something super quick? Utilize our simple Cover Letter builder to do the work for you.

Loan Underwriter Cover Letter example

Loan Underwriters or loan officers undertake the crucial task of evaluating the loan application, and checking whether to accept or reject it. Other accountabilities include – checking and assessing the legal capacity of the applicant, making decisions about loan applications, ensuring compliance with the industry’s rules and regulations, making credit analysis, detecting the credit history, and conducting timely reviews on the decision taken.

What to Include in a Loan Underwriter Cover Letter?

Roles And Responsibilities

  • Collecting, reviewing, and analyzing the applicant’s history and records.
  • Obtaining additional information and determining the coverage needs.
  • Determining the level of risk for lending or insuring.
  • Offering recommendations on whether or not to approve the application.
  • Helping agents in determining the premium costs.
  • Evaluating insurance claims and checking their accuracy and coverage.
  • Making loan eligibility decisions, and approving/rejecting them accordingly.
  • Reviewing and specifying loan conditions.
  • Ensuring compliance with regulatory standards.
  • Preparing reports on assessment findings.

Education & Skills

Loan Underwriter Skills:

  • Experience with the loan underwriting process.
  • Good knowledge of mortgage loan processing and relevant legal regulations.
  • Proficiency in MS Office and automated underwriting systems.
  • Detail-oriented with strong data analysis skills.
  • High mathematical aptitude.
  • Good communication skills.
  • Highly organized.
  • Work prioritization skills.

Loan Underwriter Education requirements:

  • Bachelor’s degree in business, banking, finance.
  • Prior work experience.

Loan Underwriter Cover Letter Example (Text Version)

Dear Mr./Ms.

Learning of the requirement for a new Loan Underwriter at ****, I am compelled to write this letter, and submit my resume for your review. I have more than 10 years of experience in the loan and mortgage industry and have been recognized for my accurate and crucial decision-making skills. I believe that my knowledge of various loan products and services, along with my steadfast commitment to the industry would prove to be a valuable asset to your team.

I have a successful track record of swiftly and accurately assessing all types of mortgage loan applications, and can identify the potential risks associated with each application. While my resume gives a detailed input into my portfolio, allow me to give you a quick glimpse of my core competencies, and area of responsibilities –

  • In my previous role at ***, I charged several accountabilities such as reviewing and approving loan applications while adhering to specific guidelines, and worked with borrowers, and agents to solve complicated issues that mounted during the course of the application process.
  • Highly successful in all the roles I have undertaken, with a consistent record of meeting and exceeding goals.
  • Skillful in communicating with agents, borrowers, and other members of the loan department.
  • Cross-selling products and constantly thrived to enhance credit union profitability.
  • Knowledgeable of all latest regulations and compliance measured pertinent to the industry.
  • Reviewing loan documents to ensure all information was accurate and complete.

With my strong knowledge of the mortgage industry, along with my ability to determine the applicant’s loan eligibility, I am well-positioned to accept all challenges related to the role. I would appreciate the opportunity to meet you in person at your earliest convenience. Thank you for your time and consideration.

[Your Name]


When writing a cover letter for a Loan Underwriter position, be sure to highlight your skills and experience in assessing and resolving insurance claims. You should also mention your ability to communicate effectively with policyholders and insurance companies.

Additionally, be sure to express your interest in the position and explain why you are a good fit for the role. Refer to our Loan Underwriter Resume Sample for more tips on how to write your resume and accompany it with a strong cover letter.



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