The Duties of a Senior Mortgage Underwriter carries huge responsibilities mainly for the financial industries. The job description entails approving or disapproving mortgage loan applications. Typical duties listed on the Senior Mortgage Underwriter Resume include – evaluating and verifying mortgage loan applications, determining the repayment capabilities of the client, verifying employment and credit history of the applicant, analysing credit and compliance documents related to mortgage process, collaborating with borrowers and other parties who are linked in this mortgage process and overseeing and assisting the managers.
Eligible candidates should demonstrate on the resume qualifications such as – proficiency with personal computers, pertinent mainframe system, and software packages; a good understanding of rules and regulations impacting mortgaging processes and underwriting activities. A Bachelor’s degree along with proven work experience mainly in mortgage loan underwriting or progressive mortgage lending underwriting is preferred.
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 :
Utilized all systems in place, including automated underwriting to underwrite files in a timely manner.
Underwrote conventional, portfolio loans, and FHA/VA loans.
Managed expected service levels related to decision and condition clearing.
Updated information on processing and underwriting systems to verify, add, delete or waive conditions.
Contacted Loan Originators with the decision on the loan immediately after underwriting the file.
Ensured team follows determined workflow, thereby meeting service level agreements that have been identified.
Ensured 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 :
Performed forensic underwriting reviews of previously closed mortgage loans to determine compliance with underwriting guidelines.
Audited entire credit packages and collateral for residential mortgage loans to ensure an investment quality loan product.
Underwrote/Audited mortgage loan files and prepare them for delivery to the client.
Re-underwrote files if required by the client to identify variances in guidelines.
Accurately and efficiently, maintained a pipeline of loan file audit/review inventory and communicate status to management.
Researched and analyzed data and formulate synopsis which can be utilized by the client to achieve their goals.
Compiled 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 :
Inspected 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.
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.
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 :
Analyzed of tax returns for Self-Employed Borrowers and Corporations.
Analyzed of Appraisals, Title Commitment and all types of Income documentation.
Trained new hires on all products, secondary marketing and computer systems.
Underwrote FHA, VA, USDA, Conventional, and several state bond program loans.
Completed full underwrite including reviewing title and appraisal.
Assisted 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 included Conforming, JUMBOA, ALTA, Equity Lines, and Sub-prime.
Processed 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.
Reviewed 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 :
Underwrote 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.
Ordered 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 :
Calculated income based on investor guidelines.
Calculated LTV/ CLTV and DTI (front and back end) and housing ratios.
Ensured all pertinent documents were properly executed and that all documents are within guidelines.
Appraisal reviewed and ensured that appraisal meets all guidelines and investor guidelines.
Accuracy in underwrote and payed attention to detail in the mortgage file.
Ensured that the account is properly notated and all findings documented.
Maintained 6-7 loans per day and achieve a level of 95% accuracy for quality.
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