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.
Objective : Dedicated Quality Control Underwriter with two years of experience in comprehensive loan file reviews and adherence to regulatory guidelines. Proficient in identifying discrepancies and mitigating risks across FHA, VA, and conventional loans. Committed to enhancing operational efficiency and ensuring compliance, while fostering collaborative relationships with clients and stakeholders.
Conducted thorough loan file reviews to ensure adherence to agency guidelines and mitigate misrepresentation risks.
Re-validated key information used in underwriting decisions for Conventional, FHA, VA, and USDA loans.
Conduct thorough reviews of loan files to ensure compliance with underwriting guidelines.
Consistently met production goals, reviewing an average of 140 loans per month.
Evaluate credit reports, income documentation, and asset verification for accuracy.
Executed QC reviews of appraisals for compliance with USPAP and secondary market requirements.
Maintained expert-level understanding of investor and lender guidelines.
Experience
0-2 Years
Level
Entry Level
Education
B.S. in Business Admin.
Mortgage Quality Control Underwriter Resume
Objective : Accomplished Mortgage Quality Control Underwriter with 5 years of expertise in assessing loan files for compliance with investor guidelines. Adept at identifying discrepancies in FHA, VA, and conventional loans, driving risk mitigation efforts. Proven commitment to operational excellence and regulatory adherence, while building strong partnerships with stakeholders.
Conducted comprehensive due diligence reviews for FHA, VA, and conventional loan products, ensuring adherence to investor guidelines.
Analyzed financial documents, including W-2s, pay stubs, and tax returns, to verify borrower eligibility.
Managed a team of 30 underwriters, providing guidance and addressing quality control inquiries.
Identified and documented discrepancies, ensuring compliance with regulatory requirements.
Performed final inspections of loan documents, verifying completeness and accuracy.
Reviewed credit documentation to confirm borrower qualifications and mitigate risks.
Developed and maintained quality control checklists to enhance operational efficiency.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Quality Control Underwriter Resume
Headline : Results-oriented Quality Control Underwriter with 7 years of experience in evaluating loan files to ensure compliance with regulatory standards and investor guidelines. Skilled in identifying discrepancies in FHA, VA, and conventional loans, while enhancing operational processes. Dedicated to maintaining high-quality standards and fostering effective communication with stakeholders to drive successful outcomes.
Skills : Adaptability, Organizational Skills, Statistical Analysis, Software Proficiency, Quality Control Standards, Training And Development
Description :
Conducted thorough reviews of credit, appraisal, and related documentation in closed loans to ensure compliance with laws, regulations, and investor guidelines.
Documented audit findings in the Aces system and internal logs for effective tracking and reporting.
Ensured accuracy in documentation for the monthly quality control report, maintaining high standards of quality.
Generated memos through Aces to notify management of deficiencies and potential fraud, facilitating timely resolutions.
Followed up on outstanding audit issues, ensuring timely closure and compliance.
Evaluated responses to deficiency memos, determining necessary actions for maintaining audit ratings.
Collaborated with team members to implement best practices in quality control processes.
Experience
5-7 Years
Level
Senior
Education
B.S. in BA
Senior Quality Control Underwriter Resume
Summary : With a decade of experience in quality control underwriting, I specialize in comprehensive loan file analysis and regulatory compliance. My expertise in identifying discrepancies across various loan types, including FHA and VA, drives risk mitigation and operational efficiency. Passionate about fostering strong relationships with stakeholders, I am dedicated to maintaining the highest standards in underwriting practices.
Skills : Data Analysis Tools, Regulatory Compliance, Problem Solving, Communication Skills, Time Management, Regulatory Knowledge
Description :
Conducted thorough reviews of loan files to ensure adherence to investor guidelines and regulatory standards.
Identified and resolved discrepancies in FHA, VA, and conventional loan applications.
Collaborated with stakeholders to enhance compliance processes and operational efficiency.
Provided training and support to junior underwriters, fostering a culture of quality assurance.
Utilized advanced data analysis tools to assess appraisal accuracy and mitigate risks.
Achieved commendations for maintaining high-quality standards in loan reviews.
Participated in special projects aimed at improving underwriting practices and compliance measures.
Experience
7-10 Years
Level
Management
Education
B.S. Finance
Quality Control Underwriter Resume
Summary : Bringing over 10 years of specialized experience in quality control underwriting, I excel in analyzing loan files for compliance with industry regulations and investor standards. My focus on risk assessment and discrepancy identification across diverse loan types enhances operational effectiveness. I am committed to upholding the highest compliance standards while nurturing productive relationships with stakeholders.
Skills : Regulatory Compliance Assessment, Process Improvement, Financial Acumen, Documentation Skills, Negotiation Skills, Market Research
Description :
Executed comprehensive pre-underwriting reviews for mortgage appraisal products, ensuring compliance with USPAP and investor guidelines.
Collaborated directly with appraisers to facilitate necessary report revisions for timely and compliant product delivery.
Interpreted lender underwriting stipulations and communicated requirements effectively to appraisers.
Conducted audits on transaction information for accuracy, ensuring adherence to departmental protocols.
Provided support to clients and appraisers regarding appraisal inquiries and industry standards.
Performed thorough audits of pre-funded and post-funded mortgage loan files to detect potential fraud and confirm compliance with investor guidelines.
Led initiatives to enhance operational efficiency within the quality control team.
Experience
10+ Years
Level
Executive
Education
B.S. in Business
Associate Quality Control Underwriter Resume
Objective : Motivated Quality Control Underwriter with two years of experience in evaluating loan files for compliance with investor guidelines and regulatory standards. Skilled in identifying discrepancies and implementing risk mitigation strategies across various loan types. Focused on enhancing operational processes and ensuring compliance while building strong relationships with clients and stakeholders.
Skills : Risk Management, Client Relations, Quality Assurance, Microsoft Office Suite
Description :
Evaluated borrowers' credit profiles, income, assets, appraisals, and loan terms to ensure compliance.
Verified that all documentation met investor and program-specific requirements.
Ensured accuracy of loan disclosures and compliance with regulatory standards.
Calculated loan ratios and validated information through Automated Underwriting Systems (AUS).
Requested necessary documentation to complete submissions for program qualification.
Tracked collection and receipt of documentation to ensure timely processing.
Prepared monthly reports detailing underwriting errors and provided feedback to management regarding root causes.
Experience
0-2 Years
Level
Fresher
Education
B.S. Finance
Quality Control Underwriter Resume
Headline : Bringing 7 years of quality control underwriting experience, I excel in thorough reviews of loan files to ensure compliance with regulatory standards and investor guidelines. My expertise in identifying discrepancies across FHA, VA, and conventional loans enhances risk mitigation efforts. I am passionate about driving operational excellence and fostering effective communication with stakeholders.
Skills : Team Collaboration, Decision Making, Underwriting Guidelines, Customer Service, Technical Proficiency, Data Analysis
Description :
Conducted comprehensive pre-underwriting reviews to ensure compliance with USPAP, Fannie Mae, Freddie Mac, and client-specific guidelines.
Effectively communicated with appraisers and clients to clarify questions regarding reports and ensure accuracy.
Achieved performance metrics and goals established by management, contributing to team success.
Ensured adherence to policies and procedures for specific clients and processes to maintain compliance.
Audited loan transactions for completeness and accuracy, identifying any discrepancies.
Verified the accuracy of information on conditional approval worksheets against loan documentation.
Analyzed loans for potential fraud or misrepresentation, ensuring integrity in the underwriting process.
Experience
5-7 Years
Level
Senior
Education
B.S. in BA
Junior Quality Control Underwriter Resume
Objective : A proactive Junior Quality Control Underwriter with 5 years of experience in evaluating loan files to ensure compliance with regulatory standards. Expert in identifying discrepancies and mitigating risks across FHA, VA, and conventional loans. I am committed to enhancing operational processes while fostering productive relationships with clients and stakeholders.
Authenticated data to calculate debt ratios, loan-to-value ratios, credit scores, and property valuations.
Reviewed TIL, HUD, CDLE, and other legal disclosure documents for accuracy.
Ensured confidentiality and security of borrower information at all times.
Verified data integrity and documented findings in proprietary systems.
Conducted quality control reviews on compliance findings and remediated issues as necessary.
Assessed loan file documentation for compliance with agency and investor requirements.
Performed credit risk analysis on loan files to identify potential issues.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Quality Control Underwriter Resume
Objective : Proficient Quality Control Underwriter with two years of experience in analyzing loan files for compliance with investor guidelines and regulatory standards. Skilled in identifying discrepancies and enhancing operational processes. Dedicated to ensuring quality assurance while actively collaborating with underwriting teams and stakeholders to minimize risks and improve efficiency.
Skills : Report Writing, Ams360 Software, Ezlynx Platform, Semcat System, Imageright And Worksmart Software, Workcomp Pledge System
Description :
Communicated findings to Operations Underwriters to ensure clarity in quality assessments.
Conducted real-time and post-issue quality reviews of underwritten policies, leveraging underwriting expertise.
Maintained up-to-date knowledge of underwriting methodologies through continuous training and best practices.
Utilized quality control checklists to ensure thorough assessments of all policy aspects.
Identified trends and proposed process improvements to enhance underwriting efficiencies.
Documented assessments in a centralized repository for future reference and compliance tracking.
Recommended policies for management review based on comprehensive analysis and rationale.
Experience
0-2 Years
Level
Entry Level
Education
B.S. in B.A.
Quality Control Underwriter Resume
Headline : Highly skilled Quality Control Underwriter with 7 years of extensive experience in assessing loan files for compliance with investor guidelines and regulatory standards. Expertise in identifying discrepancies across various loan types, including FHA and VA, while implementing effective risk mitigation strategies. Committed to fostering strong stakeholder relationships and enhancing operational efficiency.
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