Mortgage Underwriter resume examples

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Skillful Mortgage Underwriter resume

Erika Durham
Core Qualifications
  • Strong oral and written communication skills
  • Able to deliver complex information clearly, concisely and understandable
  • Commitment to teamwork
  • Excellent problem solving skills
  • Strong analytical skills
  • Self-motivated
  • Available to work extended hours as business needs requires
  • Ability to work in a fast pace, high volume environment
  • Thorough understanding of credit and an ability to review complex financial documents
  • Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements
  • Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality 
Experience
Opus Capital Market Consultants Lincolnshire, IL Forensic Underwriter 08/2019 to 04/2020 Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
Resolved pre and post-closing issues relating to underwriting 
Communicated with all applicants and internal team members to discuss identified conditions needed for approval.
Evaluated single-family, condominium, multi-family and manufactured home appraisals.
Used Encompass
Assessed financial information to determine borrower's ability to make future payments.
Developed relationships with broker and real estate community by providing frequent updates on loan status.
Requested additional information and documents from borrower to help determine loan risk
Determined loan completeness and accuracy by thoroughly analyzing credit documents, including mortgage applications, income documents, appraisals and property valuations.
Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
Provided expert financial advice on mortgage and both educational and personal loans.
Assisted senior-level credit officers with complex loan applications.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
to record loan rejections, clearly specifying basis for declining application.
 
Freddie Mac McLean, VA Senior Credit Risk Underwriter 08/2015 to 08/2019
  • Complete full loan file quality control underwriting review to cover all aspects of credit, capacity and collateral, including investigating red flags, to determine investment quality and alignment with credit philosophy
  • Issue repurchase letters to customers when defects are discovered in the loan file
  • Protected company reputation and built loyal client base by working relentlessly to resolve problems and improve, Freddie Mac seller/servicer, customer satisfaction.
  • Monitored multiple databases to keep track of all company inventory.
  • Proactively identified and solved complex problems impacting operations management and business direction.
  • Resolved conflicts and negotiated agreements between parties in order to reach win-win solutions to disagreements and clarify misunderstandings.
  • Proactively identify and monitor adverse trends and report findings
  • Develop strong relationships with assigned customer base
  • Participate in customer management to include meetings, summary reporting, and conference calls
  • Prepared departmental contracts for Freddie Mac seller/servicer approval.
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  • Maximize Freddie Mac seller/servicer quality performance and underwriting performance by working closely with internal Business Partners to assist with Seller/Servicer management and reviews
Fannie Mae (Contractor) Dallas, TX Senior Credit Risk Underwriter 08/2012 to 03/2015
  • Complete full loan file quality control underwriting review to cover all aspects of credit, capacity and collateral, including investigating red flags, to determine investment quality and alignment with credit philosophy
  • Identified and solved complex strategy problems to drive organizational goals.
  • Leveraged analytical, design and implementation skills to offer leadership and support to all operations areas.
  • Brought about substantial operational improvements by reworking policies and enhancing enforcement.
  • Coordinated work across departments to keep teams on track with company goals.
  • Collaborated with staff to maximize customer satisfaction.
  • Built and maintained loyal, long-term customer relationships through effective account management.
    streamline procedures. 
  • Improved various procedures, including requirements, gaps analysis, training and development and new program rollout. 
  • Engaged professionally with Fannie Mae Seller/Servicers and customers to build rapport and nurture relationships.
  • Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
  • Counseled customers on market current status for residential and land markets.
  • Educated clients on current real estate market and answered any questions.
  • Strong repurchase and appeal letter writing skills
  • Managing multiple tasks while adhering to company deadlines
  • Adapting to constant change
  • Effectively communicating detailed loan findings in written format to the Quality Control manager for each file reviewed
  • Proficient in reviewing and understanding complex tax returns
  • Ability to manually underwrite all types of loans
Accenture Outsourcing Charlotte, NC Senior Multi-Platform Mortgage Underwriter 02/2010 to 08/2012
  • Reviewed and evaluating borrower(s) profile including but not limited to all credit, capacity and collateral documentation including  complex tax returns
  • Recommend approvals or rejections of loan applications if recommending rejection, try to restructure the loan for a possible approval
  • Communicate decisions to loan officers and processors
  • Ability to apply internal guidelines and investor guidelines (Fannie Mae and Freddie Mac) to the credit decision process
  • Worked on numerous platforms that serviced large financial institutions
  • Built and strengthened client relationships to form long-lasting, profitable home-ownership bonds.
  • Monitored multiple databases to keep track of all company inventory across all top lending entities.
  • Proactively identified and solved complex problems impacting operations management and business direction.
  • Developed exceptional attendance record with special attention to punctuality and preparation to work upon arrival.
  • Delivered an exceptional level of service to each customer by listening to concerns and answering questions.
  • Effectively controlled the release of proprietary and confidential information for general client lists.
  • Provided outstanding top-notch service to new and long-standing customers by attending closely to concerns and developing solutions.
  • Protected company reputation and built loyal client base by working relentlessly to resolve problems and improve customer satisfaction.
Additional Employment and References
Available Upon Request
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Job-winning Mortgage Underwriter resume

Ashley D. Campbell
Summary
Motivated reliable mortgage underwriter with more than 12 years industry experience known for strengths in leadership problem solving and has comprehensive knowledge of underwriting guidelines and procedures.Works collaboratively with team members to drive deals to successful closing and funding
Experience
Planet Home Lending Tampa, FL Mortgage Underwriter 11/2016 to 06/2017
● Underwriting reviews of retail correspondent wholesale loans to ensure loans meet program specifications
● Approve decline or counter offer loans in accordance with company guidelines
● Review confirm assets appraisal preliminary title work and purchase contracts
● Review submitted loans to insure they are within specified FNMA FHLMC criteria
● Review pay stubs tax returns business tax returns rental and all other applicable income documentations
● Communicate credit risk decision to individuals within the company and or other partnering agents
● Interact with internal external clients to ensure that files are cleared timely and accurately
Clayton Holdings Inc Tampa, FL Mortgage Underwriter 07/2016 to 11/2016
● Conducts underwriting review for loans submitted via lending institutions
● Develops and maintains positive business relationships with internal and external clients
● Review pay stubs tax returns business tax returns rental and all other applicable income documentations
● Identifies portfolio risks that result in client's underlying business practices underwriting and or fraud exposure
● Evaluated financial strength of borrowers to determine risk and repayment capacity
● Proficiency in underwriting complex personal business tax returns and financial statements
● Reviewed loan files for completeness accuracy analyzing credit income title reports and appraisals
JP Morgan Chase Jacksonville, FL Mortgage Underwriter II 05/2015 to 05/2016
● Review confirm assets appraisal preliminary title work and purchase contracts
● Analyze review documentation to verify accuracy of application and support underwriting decision
● Experienced with property and credit underwriting requirements of FNMA FHLMC and PMI companies
● Examine internal transactions to ensure accuracy and update data to ensure data integrity
● Thorough understanding of underwriting guidelines and ability to evaluate loan risk
● Provide Meticulous attention to detail in underwriting mortgages
● Evaluate the financial strength of borrowers to determine risk and repayment capacity
● Review pay stubs tax returns business tax returns rental and all other applicable income documentations
JP Morgan Chase Dallas, TX Customer Assistance Specialist 02/2014 to 05/2015
● Primary contact for customers approved third parties including investors attorneys and courts
● Manages customers requests for modifications throughout the process by acting as liaison with all parties
● Communicates modification decisions If modifications are decline discuss options with clients
● Created mutual trust outstanding customer service and excellent business relationships
● Gathered customer information and determine the correct solution path through active listening
● Followed up and make scheduled call backs to customers where necessary
● Stayed current with system information changes and updates 
● Accurately recorded call transactions using designated tracking software
JP Morgan Chase Tampa, FL Mortgage Underwriter I 11/2009 to 02/2015
● Analyze customer LTV ratio DTI ratio credit report and application
● Stay current on regulations industry trends that affect compliance and decision making
● Provided meticulous attention to detail in underwriting mortgages
● Evaluated the financial strength of borrowers to determine risk and repayment capacity
● Proficiency in underwriting complex personal/business tax returns and financial statements
● Thorough understanding of underwriting guidelines and ability to evaluate loan risk
● Review pay stubs tax returns business tax returns and all other applicable income documentations
● Examine internal transactions to ensure accuracy and update data to ensure data integrity
Disys Staffing for Bank of America Tampa, FL Correspondent Risk Analyst 03/2009 to 11/2009
● Review and clear documentation that has been submitted by clients for loan file previously closed and funded
● Evaluate submitted loan files for adherence to credit policy and agency guidelines
● Analyze review documentation to verify accuracy of application and support underwriting decision
● Analyze financial status credit property to ensure borrower met qualification guidelines
Mortgage In Minutes Tampa, FL Loan Officer 02/2005 to 01/2009
● Performed all aspects of loan originating process including the initial application through a phone interview
● Prospected Realtors building contractors and other professionals for new business
● Upheld state federal regulatory requirements played a key role in fostering business relationships for referrals
● Reviewed mortgage loan application supporting documentation estimating credit-worthiness calculating repayment risk
● Collected required documentation from borrower requested by processor underwriter and closer
EDUCATION Vermont Technical College , Bennington, VT 1999-2004
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Experienced Mortgage Underwriter resume

Natasha Royer
Summary
Experienced Senior Mortgage Underwriter with a demonstrated history of working in the retail banking and financial services industry.  Friendly, reliable and hardworking team player with a track record of success in exceeding customer service and sales goals.  Seeking a part-time Sales Associate position for weekends.

Skills

  • Banking and financial services background
  • Accurate money handling
  • Cheerful and energetic
  • Exceptional customer service

  • Excellent multi-tasker
  • Dependable and reliable
  • Team player
  • Strong organizational skills  
Experience
Paradigm Quest Inc Vancouver, BC Senior Mortgage Underwriter 05/2013 to Current
  • Underwriting track-record with lending authority limits for the brands Merix, Lendwise and Manulife Bank.
  • Extensive experience in real estate secured lending.
  • Expert knowledge of Bank mortgage products, and all the policies / procedures, relating to the credit adjudication and funding of the products.
  • Commended for great service quality.
  • Developed strong relationships with managers and staff, creating a cohesive and productive team within a deadline-driven environment.


Envision Financial Langley, BC Senior Mortgage Underwriter 05/2010 to 05/2013
  • Reviewed and adjudicated mortgage applications within authorized limits and with adherence to company and insurer guidelines while maintaining focus on service excellence.
  • Actively participated in strategic discussions pertaining to volume objectives and department efficiency.
  • Serviced top funding brokers contributing to exceeding department targets year over year.
  • Special Projects: Subject Matter Expert for the Mortgage Kaizen, the Mortgage Renewal Kaizen as well as BLINK, a web based program to facilitate mortgage applications between mortgage brokers and Envision Broker Centre.
  • Attended MBABC & CAAMP industry events.


 
 
 
 
 

 
 
Envision Financial Langley, BC Personal Account Manager 08/2005 to 05/2010
  • Provided a broad range of personal and small business lending and financial consulting.
  • Developed and maintained strong meaningful relationships with Envision members, prospective clients and staff.
  • Great achievements with the development of leadership skills and team building.  Leadership activities include: OES Volunteer, Well-Being Specialist and First Aid Attendant.
CitiFinancial Abbotsford, BC Assistant Manager 08/1994 to 08/2005
  • Advanced into the fast track management development program where I held positions in Surrey, Vancouver, Courtenay and Abbotsford.
  • Responsible for day-to-day branch operations including mortgage lending, personal loans, insurance sales, collections, account maintenance, operational compliance and personnel management.
  • Recognized for outstanding performance and was promoted to Branch Manager of the Courtenay branch on a 1 year assignment.
  • Successfully transitioned through three corporate acquisitions demonstrating my ability to adapt to rapidly changing business environments while echoing my drive, dedication and passion to succeed.
Education and Training
CFP Core Curriculum Education 2010 The Canadian Institute of Financial Planning Retirement Planning, Strategic Investment Planning, Risk Management and Estate Planning and Income Tax Planning.
Real Estate Trading Services 2005 UBC Sauder School of Business, Vancouver Real Estate Trading Services Licensing Exam
Social Media Profiles
LinkedIn https://www.linkedin.com/in/natasharoyer/
 
Facebook https://www.facebook.com/natasha.l.royer
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