Mortgage Analyst resume examples

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Summary
I seek challenging opportunities where I can fully use my knowledge and skills for the success of the organization.
Highlights
  • Excels in team leadership
  • Strong interpersonal skills
  • Seasoned in conflict resolution
  • Active listening skills
  • Training and development 

  • Excellent time management skills
  • People-oriented
  • Detail-oriented
  • Employee relations
  • Adaptive team player
Experience
Mortgage Underwriter 01/2017 to Current Delta Credit Union Atlanta, GA
  • Collected customer feedback and made process changes to exceed customer satisfaction goals.
  • Provided accurate and appropriate information in response to customer inquiries.
  • Addressed customer service inquiries in a timely and accurate fashion.
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
  • Educated customers on the variety of loan products and available credit options.
  • Provided expert financial advice on mortgage, educational and personal loans.
  • Worked as a team member performing product knowledge assistance.
  • Successfully interacted with customers to improve mortgage loan process orders.  
Mortgage Underwriter 04/2015 to 12/2016 DGS-Delta Community Credit Union Atlanta, GA
  • Analyzing income documentation; pay stubs, W2, personal and business tax returns 
  • Review credit for compliance with  FNMA, Jumbo and Second Mortgage  guidelines
  • Title Commitment review
  • Appraisal review
  • Review loan terms, and ratios ensuring they meet FNMA, Jumbo and Second Mortgage underwriting guidelines.
  • Approve loan in accordance with appropriate terms and conditions.
  • Maintain current knowledge of FNMA, Jumbo and Second Mortgage loan products and underwriting requirements.
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Independent Contractor- Mortgage Analyst 05/2013 to 04/2015 Self-Employed Atlanta, GA
  • Review and audit loan files for completeness and accuracy.
  • Review  HUD1, TIL, and Note for compliance
  • Review Security Deeds
  • Review modification and document terms of approval.
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  • Review servicing documents including, collection notes, bankruptcy documents, foreclosure documents and record all loss mitigation attempts. ​  ​
AVP Mortgage Services/Senior Underwriter 04/2006 to 11/2012 Georgia's Own Credit Union Atlanta, GA
  • Oversaw the development and launch of  Online Mortgage Application
  • Developed and shared best practices across the company, including Morning Huddle and employee Pathway to Success.
  • Conducted new employee orientation to foster positive attitude toward organizational objectives.
  • Gathered and analyzed market information and used findings to define product strategy.
  • Advised supervisors on organizational policy matters and recommend needed changes. 
  • Trained Mortgage Lending team in analyzing, and underwriting mortgage loans, including unusual or complex borrower request within industry guidelines.
  • Responsible for portfolio loan management, monitoring rate risk and making recommendations for bulk loan sales.
  • Maintained department  policy and procedure manuals 
  • Extensive underwriting knowledge of FNMA, HARP, FHA, , Second Mortgage and Portfolio mortgage loans.
Manager Mortgage Services 07/2002 to 04/2006 Georgia's Own Credit Union Atlanta, GA
  • Identified inefficiencies and made recommendations for process improvements.
  • Offered specific training programs to help employees maintain and improve job skills.
  • Trained Mortgage Lending team in reviewing, analyzing, and underwriting mortgage loans including unusual or complex member request within industry guidelines.
  • Implemented fraud detection tools.
  • Developed file stacking order, file processing flow. 
  • Conducted Compliance training for mortgage lending staff.
  • Implemented secondary market strategies.
  • Established loan fulfillment goals for lending staff.
Vice President Mortgage Operations 03/1998 to 12/2001 Oakmont Mortgage/NCS Mortgage Atlanta, GA
  • Employed advanced deal analysis, including hands-on negotiations with potential investors.
  • Measured loan submissions based on quality control plans and investor regulatory compliance standards.
  • Diligently reviewed the specialty loan portfolio for compliance with all reporting requirements. Communicated regularly with management regarding portfolio performance and new loan transaction quality.
  • Managed team of 8 mid-level Managers  . Accountable for overall customer satisfaction. Responsible for all aspects of mortgage lending operations for National Wholesale Lender.
  • Complied with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
  • Originating, conforming, and sub-prime mortgage loans for MBS market.
AVP Mortgage Services 03/1995 to 03/1998 Oakmont Mortgage\NCS Mortgage Atlanta, GA
  • Examined loan documentation for accuracy and completeness while working with Jr.
  • Underwriters, Loan Officers and production staff to secure all required documents.
  • Assessed individual creditworthiness while adhering to all regulatory and compliance requirements.
Education
Bachelor of Arts University of Nebraska-Lincoln
Skills
Consulting,  Credit risk, Internet Explorer, Excel, Microsoft Office, Outlook, Mortgage Lending,  Oracle, AUS, AMC, Mortgageware, Prime Alliance,