A DE Underwriter is an official who has direct endorsement certification from the housing development board and who has the power to underwrite and approve loans that are insured by the FHA with regard to government loans. Essential roles and responsibilities mentioned on the DE Underwriter Resume are – authorizing and underwriting loans, reviewing and verifying loan applications and supporting documentation, analyzing loan risk and requesting additional information as necessary, preparing reports on assessment findings, making loan eligibility decisions, and approving or rejecting applications, reviewing and specifying loan conditions, ensuring compliance with regulatory standards, and ensuring compliance with company policies and guidelines.
To ensure success in the field the following skills are needed – experience in loan underwriting, highly organized and the ability to prioritize, good communication skills, detail-oriented with strong data analysis skills, high mathematical aptitude, working knowledge of mortgage loan processing, and relevant legal regulations. A degree in banking, finance, or banking is required.
Summary : DE Underwriter professional with 12 years of experience in Government Underwriting, Sales and Processing of Conventional, Government and Portfolio loans. Highly organized and detail oriented individual with the ability to meet tight deadlines in a fast paced environment.
Skills : Loan Processor, MS Office.
Description :
Responsible for managing a daily flow of new underwriting files and conditions with the ability to meet turn times in a face paced environment.
Provided excellent customer service to not only external customers, but also to all internal associates.
Responsible for underwriting the credit and collateral portion of new files including but not limited to accurately calculating income, assets, ratios and credit in order to insure each loan conforms to FHA guidelines and possible investor overlays.
Experienced with Wholesale and Retail lending.
Responsible for pre-underwriting and processing a pipeline of 25+ active loans per month ensuring all guidelines were met while effectively reducing the amount of conditions on each loan.
Assisted all other departments with any questions.
Led HECM for Purchase Underwriter.
Experience
10+ Years
Level
Senior
Education
MS
DE Underwriter Resume
Headline : Responsible for Approving or approving with conditions loan submission after careful consideration and explore possible alternatives before resorting to a suspense or denial, Assessing the risk to the company and our investors to ensure salability of the loan after closing.
Skills : Planning Skills, Documentation Skills.
Description :
Directed Underwriting (DU/LP) utilizing major bank stricter overlays for direct submission to investor banks, correspondent or sale to secondary market buyers with no post-closing issues, adjustments or repurchases.
Completed DU/LP Approvals with overlays for investor specific requirements.
Analyzed MI Certificates, Credit Corrections and Supplements, Flood Certifications, SSI/SSA searches, Fraud Guard, AVMs, ATR/QM, GSA/LDP searches.
Examined Tax Returns, Tax Transcripts, Bank and Brokerage Statements, Condo/Coop Questionnaires, MERS, FHA Connection, VOEs/VVOEs/TheWorkNumber for all compliance issues and inconsistencies.
Reviewed credit, income documents, assets, FHA registrations, appraisals, property documents, performed background checks, tax searches, title searches, document checks, verifications, Condo/Coop Questionnaires/Budgets and HO3/HO6 and Condo/Coop Master Insurance Policies.
Issued clear, concise and complete commitments with all conditions through to closing including all prior to closing and closing conditions.
Proactive with customers, loan officers, processors, closers, title companies, insurance agents and attorneys to insure that everyone is properly prepared for closing.
Experience
5-7 Years
Level
Junior
Education
MS
DE Underwriter Resume
Summary : Professional and highly productive Senior Mortgage Loan Underwriter with over 18 years of progressively increased responsibilities utilizing a common sense approach to mortgage underwriting. Proven ability to underwrite financial, collateral and asset documentation that meets investor guidelines and secure highly performing loans.
Skills : FNMA Guidelines, FHA Guidelines.
Description :
Reversed Mortgage Loans for Wholesale and Retail Division.
Followed Company Guidelines as well as FHA 4000.1 Handbook to ensure that all loans meet HUD requirements for insurability.
Reviewed Income, Assets, and Credit for Financial Assessment.
Assisted in training new underwriters.
Assisted Retail processing team figure out how to make loans work with Financial Assessment (Comp factors and residual Income).
Trained Retail MLO's on FHA Guidelines to ensure correct information is being relayed to customers.
Created current structure for Reverse Underwriting workflow.
Experience
7-10 Years
Level
Management
Education
Bachelor's In Business Administration
DE Underwriter Resume
Objective : As a DE Underwriter, responsible for Ensuring loan documents are accurate, complete, and sufficient to clear all conditions for final loan approval, Reviewing and evaluating loan files for risk issues and potential fraud and/or misrepresentation.
Skills : Mortgagee, Fha, Usda, Bond.
Description :
Reviewed the loan file to validate or disapprove of investor's claims.
Minimized financial impact to the company by having investors rescind their claims for repurchase with providing appeal letter and supporting documentation in QAS (FNMA), Via Email for FHLMC.
Created a PDF folder, update file monitoring and comments in Product Administration Tracking System.
Able to analyze loans quickly, knowing what is required to submit to DU/LP to obtain the expected Approve/Eligible or Accept approvals and to have the proper analysis and documentation to back the final approval for closing or decline for indisputable negative findings.
Responsible for approving Conventional, FHA, VA, USDA, and NC Housing loans.
Followed and adhered to all government and agency requirements.
Effectively communicated with Loan Officers and Processors to get loans approved in a timely manner.
Experience
2-5 Years
Level
Executive
Education
MS
DE Underwriter Resume
Objective : Seeking a DE Underwriter position with an outstanding career opportunity that will offer a rewarding work environment along with a winning team that will fully utilize management skills.
Skills : Computer Skills, Writing Skills.
Description :
Promoted after 4 months to DE Underwriter Reviewed and underwrote all FHA Streamlines for company.
Initially reviewed of appraisal and given to FHA supervisor for 2nd review.
Handled all items within FHA connections (i.e. appraisal logging, FHA case # transfers, order value certs for FHA streamline loans.) Review and manually balance Preliminary Hud1.
Calculated Max and Minimum loan amounts for FHA streamlines and rate & term loans.
Reviewed, verified, and signed off the following documentations: tax returns, bank statements, income documentation, preliminary title report, HUD1, escrow documentation & retirement statements.
Ran Final DU to match system and clear loan for docs.
Reviewed and answered HUD loan deficiencies in accordance with 4155 and any applicable mortgagee updates.
Experience
2-5 Years
Level
Executive
Education
BA
DE Underwriter Resume
Objective : DE Underwriter with 4 years of experience in Performing a variety of tasks related to the review of complete mortgage loan packages for sale into the secondary market, Verifying and validating for accuracy and completeness all documents received and confirm documents that meet those required by various authorities including but not limited to FNMA, FHLMC, HUD, DE, and individual investors.
Skills : Planning Skills, Writing Skills.
Description :
Hired to be Eagle's DE Underwriter to obtain/do their test cases to obtain the required Full Eagle status they needed with FHA.
Reviewed/approved and submitted the required binder cases to FHA and did obtain the Full Eagle status they required.
Reviewed and approved Home Equity and Construction loans.
Did all required steps through FHA to obtain case number to the insurability of loan with FHA.
Handled the files from beginning to end as processor/underwriter and insurer on all FHA loans.
Corrected any required deficiencies put forth from FHA to insure a loan.
Underwrote/reviewed and approved all loan documents for accuracy and eligibility for portfolio loans held in-house and loans insured through FNMA.
Experience
2-5 Years
Level
Executive
Education
MS
DE Underwriter Resume
Summary : A family-oriented company that is looking for a determined and focused professional with excellent analytical, communication, and relationship-building acumen.
Skills : Sales, Finance, Excellent Communication, Microsoft Office, Basic Office Machines, Working With Critical Deadlines, Understanding Of All Mortgage Programs, Teamwork, Excellent Customer Service, Excellent Time Management, Attention To Detail.
Description :
Analyzed and comprehend complex financials; including clients with more than 10 properties, 1065 and 1120 tax returns for FHA, Conventional, and Jumbo Products.
Ability to multi-task and work in a fast-paced environment to attain goals, while maintaining an organized desk and meeting deadlines.
Provided effective and concise communication to processing and sales teams to move the files through the process as efficiently as possible.
Met or exceeded monthly quotas set by management month after month.
Ability to collaborate and problem-solve with other team members and departments.
Assisted and mentored new and existing team members.
Selected by the executive team out of more than 40 Mortgage Operations co-workers.
Experience
7-10 Years
Level
Management
Education
BA
DE Underwriter Resume
Summary : A DE Underwriter professional for 20 years specializing in Conventional and FHA loans. Possesses comprehensive knowledge of residential underwriting guidelines for both conventional and government-insured loan programs, Using strengths in risk assessment to analyze income, credit, and collateral inaccurate completion of compliant loan packages.
Skills : Microsoft Office, Time management, Excellent customer service.
Description :
Underwrote all retail and third party originated loan files that include Conventional, FHA, USDA, VA and PHFA loan files.
Communicated with the processor, borrower, loan officer, realtor and appraiser as to the status of every file and also explain why certain items and/or adjustments were needed.
Assisted the processors with their loan files by explaining why certain items were needed and also, helping them understand Fannie Mae/Freddie Mac and/or investor guidelines and overlays.
Introduced the Allegheny County Bond Program to the company and trained my fellow employees on the product and what borrowers would benefit from this program.
Assisted in signing the company up with new investors which would benefit the borrowers, loan officers, and production all together.
Maintained a pipeline of anywhere from 60-70 loans at any given time with no buy back request from the investors.
Used There are many skills that are required and that I demonstrated as a DE mortgage underwriter including: organized, work well with others, knowledgeable of all loan products, time management, communication, confident, professional, leader, decision maker, reliable, focused, loyal and committed.
Experience
10+ Years
Level
Senior
Education
BS In Business
DE Underwriter Resume
Objective : DE Underwriter Professional with extensive experience in the field of finance and mortgage industry. Broad array of knowledge in originating, processing, underwriting, and closing conventional/government loans and consumer loans. Strengths include setting priorities to achieve goals, gathering accurate data in a timely manner, and training new employees. Awarded Employee of the Month for meeting and exceeding goals, Receiving numerous accolades from colleagues, management, and customers for providing superior customer service.
Skills : Mortgage Underwriter, Planning Skills.
Description :
Responsible for new underwriter training and release.
Coveraged for Wholesale/Correspondent queue's while AE's and assistant on vacation.
Created of a new position for new Wholesale/Correspondent customers, writing policies and procedures, hiring and training for the position of business Channel support team.
Completed a thorough analysis of a mortgage loan to determine compliance with company, investor and FHA.
Analyzed multiple layers of risk and compensating factors prior to making a loan decision.
Advised customers of decisions by providing timely resolution of customer inquiries and effectively communicating guidelines and policies.
Signed authority to $1 million Utilized AUS/LP/DU/GUS Used Calyx.
Experience
2-5 Years
Level
Junior
Education
MS
DE Underwriter Resume
Summary : Innovative sales and account management professional with 20 + years of progressive sales experience with skills to drive business growth, capitalize on new revenue potential and manage all aspects of daily business operations. Exceed personal and company goals using my excellent customer service and sales experience skills.
Skills : Implementational Skills, MS Office.
Description :
Responsible for underwriting large volume of consumer loans within company and industry guidelines.
Reviewed financial statements, credit reports and applicable ratios to qualify customers.
Evaluated loans to ensure accuracy and completeness.
Prepared formal reports for review, ensuring that documents are consistent and uphold to company and industry.
Implemented fraud detection techniques and performing compliance reviews.
Assisted in re-negotiations of loans based on lending guidelines.
Contacted customers and partners to gather information to make appropriate decisions and explain rational behind credit decisions.
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