Senior Mortgage Underwriter Resume
Headline : Excellent quality and production underwriting credit, income, assets and appraisals for agency and non agency loans, including jumbo loans.
Skills : Analytical Reasoning, Problem Solving, Public Speaking.
Description :
- Reviews multiple files per day to hit production goals while maintaining perfect loan quality with elite client service.
- Sets up conditions at initial underwrite that are needed to gain final approval.
- Reviews file upon gathering of documentation to clear any applicable conditions.
- Works directly with processors and loan officers to quickly get loans clear to close.
- Familiar with using selling guides to frequently look up relevant guidelines.
- Comfortable reviewing all underwriting documentation including: Credit report, pay stubs, W-2s, tax returns (personal and business), application, assets, title, appraisal, etc.
- Run and review AUS findings to make sure all investor/company guidelines are met.
- Answers questions and helped Junior Underwriters as needed.
Experience
5-7 Years
Level
Executive
Education
Political Science
Senior Mortgage Underwriter I Resume
Objective : Experience in Mortgage Lending, Home Lending Modifications and Mediations. Proficient with DU/LP underwriting systems and knowledgeable of FNMA/FHLMC underwriting guidelines.
Skills : Emcompass, CORE, AUS.
Description :
- Utilize all systems in place, including automated underwriting to underwrite files in a timely manner.
- Underwrite conventional, portfolio loans, and FHA/VA loans.
- Handle complex underwriting decisions requiring senior knowledge and/or unique problem solving abilities.
- Manage expected service levels related to decision and condition clearing.
- Update information on processing and underwriting systems to verify, add, delete or waive conditions.
- Contact Loan Originators with the decision on the loan immediately after underwriting the file.
- Ensure team follows determined workflow, thereby meeting service level agreements that have been identified.
- Ensure team is providing a high level of customer service to internal and external customers.
Experience
2-5 Years
Level
Junior
Education
Business Administration
Senior Mortgage Underwriter II Resume
Headline : Versatile, performance-driven, and goal-oriented professional, equipped with strong educational background in accounting principles and concepts, combined with verifiable success in auditing.
Skills : Encompass LOS, Microsoft Office Suite, Quick Books.
Description :
- Perform forensic underwriting reviews of previously closed mortgage loans to determine compliance with underwriting guidelines.
- Audit entire credit packages and collateral for residential mortgage loans to ensure an investment quality loan product.
- Underwriter/Audit mortgage loan files and prepare them for delivery to the client.
- Re-underwrite files if required by the client to identify variances in guidelines.
- Accurately and efficiently, maintain a pipeline of loan file audit/review inventory and communicate status to management.
- Research and analyze data and formulate synopsis which can be utilized by the client to achieve their goals.
- Compile findings into a summarize report with attending exhibits.
Experience
5-7 Years
Level
Executive
Education
Bachelor Of Arts
Senior Mortgage Underwriter/Co-ordinator Resume
Summary : Bi-lingual professional with experience in the financial/banking industry and underwriting. Extensive experience in underwriting guidelines and restrictions for conventional FNMA/FHLMC.
Skills : Analytical reasoning, Problem solving, Public speaking.
Description :
- Validated decision findings based on agency investor guidelines utilizing FNMA Desktop Underwriter and FHLMC Loan Prospector automated underwriting systems.
- Calculated income using documentation required per investor, questioning any large changes in income.
- Reviewed transmittal & 1003 to make sure it is accurate and complete.
- Reviewed credit report and compare to liabilities on 1003.
- Verified the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed.
- Reviewed assets statements to compare to required assets.
- Documented and sourced any recent large deposits.
- Reviewed final conditions turned in for Underwriting Final Approval within 24 hours.
Experience
7-10 Years
Level
Management
Education
Business Administration
Senior Mortgage Underwriter/Executive Resume
Headline : Detail oriented and proficient underwriter with successful years of mortgage lending experience. Skillful in all aspects of the loan process from origination to repurchase.
Skills : MS-Office, Communication Skills.
Description :
- Senior Underwriter for all types of loans including construction for 11 lenders.
- Head of the Quality Control Department, which ensures government compliance for loans.
- Inspector for home construction projects for progress and fund distribution.
- Responsible for training new lending staff and training of existing lending staff.
- Entrusted with third party loan pricing and approval and development of new third party loan business.
- Major Accomplishments-Implemented new mortgage insurance alternatives for Sky Bank.
- Established and negotiated 3rd party relationships with mortgage brokers.
- Created and marketed a new Mortgage Manual for use by Realtors and third party lenders.
Experience
5-7 Years
Level
Executive
Education
Finance
Senior Mortgage Underwriter/Representative Resume
Summary : Ability to analyzing risk factors along with the presence of compensating factors that mitigate risk to the bank and structure transactions accordingly. Maintain a high level of customer service including extensive communication.
Skills : Communication Skills, MS-Excel.
Description :
- Analyzed and interpreted documentation required to support a credit decision while ensuring loan quality and within product guidelines.
- Able to meet current service level standards while ensuring accuracy and quality.
- Able to complete multiple tasks under aggressive time constraints.
- Approved loans with minimal errors and high quality standards.
- Scored 100% in quality over a 12 month timeframe.
- Trained and coached the new underwriters how to underwrite and follow guidelines.
- Skills Used Excellent customer service skills with both internal and external customers.
Experience
7-10 Years
Level
Management
Education
Business
Lead Senior Mortgage Underwriter Resume
Summary : Responsible for underwriting residential mortgage loans to ensure compliance with credit union and investor's guidelines. Communicates with loan processor, loan closer/funder.
Skills : Communication Skills, MS-Office.
Description :
- Submission of loan through Automated Underwriting Systems.
- Analyzing of tax returns for Self-Employed Borrowers and Corporations.
- Analyzing of Appraisals, Title Commitment and all types of Income documentation.
- Training new hires on all products, secondary marketing and computer systems.
- Being available for questions and managing of dept.
- Underwrite FHA, VA, USDA, Conventional, and several state bond program loans.
- Complete full underwrite including reviewing title and appraisal.
- Assist branches with underwriting questions.
Experience
7-10 Years
Level
Management
Education
B.A.
Lead Senior Mortgage Underwriter Resume
Headline : Professional and highly productive senior mortgage underwriter with of progressively increased approval authority and responsibilities. Utilizes a common sense approach to mortgage underwriting.
Skills : Technical skills, MS-Office.
Description :
- Responsible for underwriting mortgage loans for individuals.
- Programs include Conforming, JUMBOA, ALTA, Equity Lines, and Sub-prime.
- Process loans in DU and LP as well as manual underwriting.
- Responsible for insuring that all investor requirements are met and that program guidelines are followed.
- Decision making for exceptions regarding credit scores, loan amounts, property type, and documentation.
- Review conditions and ensure loans meet 24 hour turn times.
- Responsible for excellent customer service to our brokers.
Experience
5-7 Years
Level
Executive
Education
Business Administration
Senior Mortgage Underwriter/Analyst Resume
Headline : Experienced professional with a successful career in mortgage, banking, and administration seeking a position within organization.
Skills : Communication Skills, MS-Office.
Description :
- Underwriting with Clues, DU & LP income, credit, asset and collateral documents.
- Processed Conventional, FHA, and VA Loans.
- Ensured appropriate signatures have been obtained and correct data input errors and omissions.
- Analyzed various pay stubs and tax returns to determine satisfaction of income verification stipulations.
- Interacted professionally with customers and other vendors to obtain missing or invalid information and documentation.
- Obtained and reviewed documentation for accuracy.
- Order Appraisals, Title, Payoffs and Subordinations.
Experience
5-7 Years
Level
Executive
Education
Diploma
Senior Mortgage Underwriter Resume
Objective : To utilize acquired skills and knowledge in a challenging position, which offers advanced opportunities.
Skills : MS-Excel, Management.
Description :
- Calculating income based on investor guidelines.
- Calculating LTV/ CLTV and DTI (front and back end) and housing ratios.
- Ensuring all pertinent documents were properly executed and that all documents are within guidelines.
- Appraisal review and ensuring that appraisal meets all guidelines and investor guidelines.
- Accuracy in underwriting and paying attention to detail in the mortgage file.
- Ensuring that the account is properly notated and all findings documented.
- Maintain 6-7 loans per day and achieve a level of 95% accuracy for quality.
Experience
2-5 Years
Level
Junior
Education
Diploma
