Quality Control Underwriter Resume Samples

A Quality Control Underwriter ensures the quality and integrity of compliance underwriting decisions and processes. The job description entails data entry, reviewing, validation, tracking, and working across divisional lines to solve issues and participate in ongoing consultation. Summary of common duties is emphasized on the Quality Control Underwriter Resume as – managing a pipeline of loans assigned each month, meeting production and quality requirements, reviewing required loan file documentation and extracting data necessary to perform predatory lending compliance testing, accurately inputting data into compliance testing software application, validating delivery data, interpreting automated and manual test results concerning federal HOEPA regulations; and working under limited direction to develop an approach to solving solutions.

To complete the job, the following skills are crucial – strong verbal and written communication skills, the ability to follow existing processes, the ability to perform investigative processes, and robust analytical skills. Hiring employers typically prefer to hire those who have a college degree and QC experience.

Quality Control Underwriter Resume example

Quality Control Underwriter Resume

Summary : Quality Control Underwriter with over 25 years of experience performing Frontline and Due Diligence underwriting for various organizations handling high volume loans. Frontline, Due Diligence, and Auditing Underwriter DU/LP DE Certified have written conforming, Non-Conforming, FHA, and USDA loans.

Skills : Mortgage Underwriter, Credit Analysis.

Description :

    1. Closed loan review for completeness and accuracy to ensure agency guidelines followed as well as ensuring no misrepresentation.
    2. Re-validated information in the file used to make underwriting decisions on Conventional, FHA, VA, and USDA loans.
    3. Identified potential credit risks and provide feedback to clients.
    4. Met production goals of 140 loans per month.
    5. Obtained extensive knowledge of FHA, VA and USDA mortgage underwriting.
    6. Conducted thorough QC review of an appraisal for USPAP and compliance with secondary market requirements and validated appraised value based upon .
    7. Developed an expert-level understanding of all investor, lender, and compliance guidelines (the Guidelines).
                  Years of Experience
                  Experience
                  10+ Years
                  Experience Level
                  Level
                  Senior
                  Education
                  Education
                  Bachelor Of Arts


                  Quality Control Underwriter Resume

                  Summary : A dynamic result-orientated professional with over 25 years of experience in mortgage litigations, frontline underwriting, and Due Diligence/forensic underwriting. Exceptional time management skills. Strong organizational and negotiation skills. Self-starter with a proactive attitude who excels in challenging and competitive environments.

                  Skills : Salesforce, Credit Review, LPS, AVMS, Lexis Nexis, BLS, Pacer, Microsoft Office, Word, Excel, Calyx Point, Encompass, Desktop UnderwritingAnd Loan Prospector.

                  Description :

                    1. Analyzed applicant's financial statements, w2, paystubs, employment verifications, Business and Partnership tax returns.
                    2. Conducted due diligence loan file reviews for conventional, FHA, VA and subprime loan products.
                    3. Monitored 30+ due diligence underwriters, by RMG chat room and email.
                    4. Identified required representations and warrants per investor guidelines.
                    5. Addressed any issues/questions from underwriters based on my findings in conducting quality control reviews.
                    6. Completed quality control inspection of all final due diligence loan documents, verify all documents meet Guidelines.
                    7. Verified information collected from credit documents, including, but not limited to, mortgage applications, property appraisals, credit history, income documentation, title documents, and all other applicable compliance documents to ensure borrower met qualification guidelines.
                  Years of Experience
                  Experience
                  10+ Years
                  Experience Level
                  Level
                  Senior
                  Education
                  Education
                  GED


                  Quality Control Underwriter Resume

                  Summary : Quality Control Underwriter Professional with 15+ years of experience in Mortgage Banking and Sales Support. Known as ethical, disciplined, and goal-oriented, team player with strong attention to detail, excellent communication skills who contribute to a positive work environment. Thorough, analytical, ability to collaborate, coordinate, and work independently. Focused on consistently delivering results with integrity, adhering to strict deadlines and providing an outstanding customer experience. Bilingual English and Portuguese.

                  Skills : Microsoft Excel, Quickbooks, Data Entry.

                  Description :

                    1. Reviewed and analyzed all credit, appraisal and other related documentation in a sampling of closed loans to insure loan complied with applicable laws, regulations, policies and investor/portfolio guidelines.
                    2. Entered audit results into Aces system and internal logs for tracking and reporting.
                    3. Assured accuracy of all documentation required to prepare the monthly quality control report.
                    4. Generated memos through Aces to inform management of any deficiencies and/or fraud.
                    5. Performed follow-up on audit outstanding issues.
                    6. Reviewed and analyzed responses to deficiency memos and determined if audit rating stands as amended or if additional documentation was necessary for loan to be salable.
                    7. Performed due diligence reviews.
                  Years of Experience
                  Experience
                  10+ Years
                  Experience Level
                  Level
                  Senior
                  Education
                  Education
                  Bachelor Of Arts

                  Quality Control Underwriter Resume

                  Objective : Strong real estate background - lending, sales, relocation, and appraisal review. Able to work independently or in a team setting. Strong attention to detail. Excellent verbal and written communication.

                  Skills : Microsoft Office, Real Estate Sales And Relocation, Mortgage Lending.

                  Description :

                    1. Utilized multiple computer monitors and programs, review and analyze mortgage appraisals and related products.
                    2. Verified compliance with industry and government standards.
                    3. Analyzed data for accuracy and quality.
                    4. Identified, analyzed, and resolved issues in reports.
                    5. Communicated directly with appraisers to coordinate report revisions and completion deadlines.
                    6. Served as a subject matter resource for customers and the StreetLinks team.
                    7. Received above-average ratings in all reviews Selected by Management to be a member of Special Teams. This group handled reviews for preferred clients and those that were more complex.
                  Years of Experience
                  Experience
                  2-5 Years
                  Experience Level
                  Level
                  Junior
                  Education
                  Education
                  AA In Business Administration

                  Quality Control Underwriter Resume

                  Summary : Over 10 years of mortgage experience, with a minimum of 5 years Quality Control or loan review experience, communicating effectively and professionally, partnering with all levels of management to implement initiatives.

                  Skills : Quality Controlling Skills, Supervising Skills.

                  Description :

                    1. Executed pre-underwriting process for Mortgage related Appraisal products with the objective to verify their compliance to USPAP, Fannie Mae, Freddie Mac, and client-specific reporting guidelines.
                    2. Communicated directly with Appraisers to coordinate appropriate report revisions for the expedient delivery of a compliant product to the client.
                    3. Handled Lender Underwriting Stipulations by interpreting and communicating those Stipulations to the Appraiser for consideration as merited.
                    4. Performed Streetlinks internal transactions pre-underwrite prior to product delivery.
                    5. Communicated directly with Appraisers to coordinate appropriate report revisions, underwriting guidelines, and completion deadlines.
                    6. Audited transaction information for completeness and accuracy Provides telephone support for Clients and Appraisers as related to Department protocol, Appraisal Report inquiries, and general industry guidelines.
                    7. Audited both pre-funded and post-funded mortgage loan files to detect fraud and also to ensure investor guidelines are in compliance.
                  Years of Experience
                  Experience
                  10+ Years
                  Experience Level
                  Level
                  Senior
                  Education
                  Education
                  Associate's

                  Quality Control Underwriter Resume

                  Summary : Highly qualified and adaptable professional offering over 30 years of experience gained from the Restaurant Industry, Mortgage Lending, and QC Compliance/Risk. Recognized for the initiative, ethics, and strong ability to work independently or as part of a team. Highly observant, detailed oriented, and able to communicate effectively while demonstrating a strong commitment to organizational success.

                  Skills : Management Experience, Customer Service, Quality Control, Inventory Control, Windows, Analytical.

                  Description :

                    1. Thoroughly evaluated borrowers' credit profile (income, assets, appraisal) and loan terms.
                    2. Ensured that all documentation requirements are met for the investor and loan program targeted.
                    3. Ensured accuracy of loan disclosures and documentation and ensure compliance with all applicable state and regulatory compliance requirements.
                    4. Calculated loan rations and performed valuation through Automated Underwriting Systems (AUS), such as DU/LPA, and ensure accuracy with the information noted with the loan operating system (LOS).
                    5. Requested items necessary to complete the submission or to qualify for the program. 
                    6. Tracked the collection of such items and ensure receipt.
                    7. Recorded and prepared monthly reports with findings noted to identify the root cause of underwriting errors and provide an explanation to the appropriate parties on items found, recorded deficiencies for reporting, and report monthly findings to Senior Management.
                              Years of Experience
                              Experience
                              10+ Years
                              Experience Level
                              Level
                              Senior
                              Education
                              Education
                              GED

                              Quality Control Underwriter Resume

                              Summary : Have been in the mortgage banking industry for more than 28 years and have been underwriting for over 25 years. Divisions of experience include retail, correspondent, and wholesale. FHA direct endorsement, VA automatic, LAPP authority, conventional, 203k, jumbo, and non-conforming experience.

                              Skills : Excellent Customer Service, Several years of management and mortgage experience. DE Notary.

                              Description :

                                1. Assisted with the pre-underwriting review process to ensure Appraisers are in compliance with USPAP, Fannie Mae, Freddie Mac, and Client Specific Guidelines.
                                2. Communicated effectively and efficiently with Appraisers and Clients regarding clarification and questions regarding reports.
                                3. Achieved metrics and goals set by management.
                                4. Abided by policy and procedure for specific Clients and processes.
                                5. Audited transactions for completeness and accuracy.
                                6. Verified information on the conditional Approval worksheet matches information within the loan documentation such as credit reports, pay stubs, bank statements, business licenses, tax returns, etc.
                                7. Analyzed loans for signs of fraud or misrepresentation.
                              Years of Experience
                              Experience
                              7-10 Years
                              Experience Level
                              Level
                              Management
                              Education
                              Education
                              BA In Business With A Concentration In Accounting

                              Quality Control Underwriter Resume

                              Objective : To obtain a position leading to a career with an aggressive and growth-oriented company. Emirates National Bank of Dubai, Dubai, U.A.E. PDC COORDINATOR Processed post-dated checks arriving from all branches. Updated data systems per received checks. Process security checks and filled in the vault. Pull out checks from the vault for withdrawal and swap cases. Received and archived security checks using the Oneil system.

                              Skills : Ms. Offc, Multitasking.

                              Description :

                                1. Authenticated information was collected to calculate debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors.
                                2. Knowledged of TIL, HUD, CD/LE, and other legal disclosure documents.
                                3. Maintained confidentiality and security of applicant/borrower information and data at all times.
                                4. Verified data and reported findings in proprietary diligence systems.
                                5. Conducted quality control review on compliance findings, and when applicable, remediate all findings identified.
                                6. Determined if the loan file documentation satisfies agency/investor requirements.
                                7. Performed a credit risk analysis on each file.
                                      Years of Experience
                                      Experience
                                      2-5 Years
                                      Experience Level
                                      Level
                                      Executive
                                      Education
                                      Education
                                      Diploma

                                      Quality Control Underwriter Resume

                                      Objective : Licensed experienced insurance Quality Control Underwriter professional with a good understanding of commercial and personal lines insurance. Experienced working with multiple carriers in both sales & service.

                                      Skills : Microsoft Office, AMS360, EZLynx, SEMCAT, ImageRight/WorkSmart, WorkComp Pledge, Policy Center.

                                      Description :

                                        1. Communicated findings to the appropriate Operations Underwriter.
                                        2. Performed real-time and post-issue quality reviews of underwritten policies. The Senior Associate will leverage their Underwriting expertise and use critical thinking and judgment to ensure that QC assessments are fair and balanced.
                                        3. Understood NYL's Underwriting methodology and stay current by attending training, reviewing bulletins, release enhancements, and best practices communications.
                                        4. Utilized the QC checklist as a guide to ensure all aspects of a policy are assessed. These are broad guidelines and each policy is reviewed in accordance with the Underwriting Manual.
                                        5. Identified trends and look for ways to improve underwriting efficiencies (such as training needs, revisions to procedures, updates needed to Underwriting rules, system enhancements, etc.).
                                        6. Documented reviews and assessments in a central documentation repository (currently Excel spreadsheet and will be in a system in the future state).
                                        7. Identified policies that need to be referred for Underwriting management review, explain the rationale for referring, make a recommendation, and provide relevant details to build consensus and support.
                                                        Years of Experience
                                                        Experience
                                                        2-5 Years
                                                        Experience Level
                                                        Level
                                                        Executive
                                                        Education
                                                        Education
                                                        High School Diploma

                                                        Quality Control Underwriter Resume

                                                        Summary : As a Quality Control Underwriter, responsible for Reviewing cleared for closing loan files at pre closing stage to ensure loan meets investor and program specific guidelines, Reviewing the Underwriter’s decision for accuracy in accordance to target investor and loan program, and documenting any deficiencies noted.

                                                        Skills : Planning SKills, Calculating Skills, Analyzing Skills.

                                                        Description :

                                                          1. Responsible for reviewing a 10% selection of loan files selected on a daily basis.
                                                          2. Filed are reviewed in a complete re-underwrite manner on all stages of the loan process from origination through post-closing.
                                                          3. Reviewed to ensure that the validation of AUS information is accurate Makes determination on each loan file whether the UW decision, income calculations, value, funds to close, etc.
                                                          4. Fully documented and supported Review tax returns and transcripts and ensure that transcripts were in the files prior to closing.
                                                          5. Responsible for following up with policyholders regarding requests from carriers for additional documentation.
                                                          6. Pulled memos from carrier sites for reminders, non-renewals, cancellations, and reinstatements.
                                                          7. Reviewed, analyzed, and evaluated all mortgage loan files documentation for accuracy and correct calculation.
                                                        Years of Experience
                                                        Experience
                                                        10+ Years
                                                        Experience Level
                                                        Level
                                                        Senior
                                                        Education
                                                        Education
                                                        Diploma In Education