Remote Underwriter Resume Forked River, NJ - Hire IT People

OBJECTIVE: To utilize and strengthen the skills and training I possess with a challenging position that
offers me a chance to grow within a company as my potential is recognized.

PROFESSIONAL EXPERIENCE:

Confidential, Maine (2011 - Present)
Remote Underwriter

Perform a detailed review of credit, income and asset documentation to ensure the loans meet established underwriting guidelines
Perform a detailed analysis of complex self employed borrowers which pose higher credit risk
Rescore loans thru DU and LP
Rendered an underwriting decision on upfront loans
Ensure loan files are properly set up based on loan type and product
Assist on clearing conditions on FHA loans
Managed workflow to ensure pipeline was within 48 hours turn around time
Proactively communicate loan status with processors

Confidential, Tuckerton, NJ (2009 - 2011)
Underwriter

Decision credit, income and asset documentation to ensure the worthiness of the borrower
Ran DU/LP, order case numbers and cavirs and fraud guard to make sure files are within guidelines
Issue loan approvals, counter offers or denials
Guided processing team to ensure all files are within compliance
Managed workflow to ensure loans closed within the commitment periods
Review exception reports to ensure all tasks are completed
Review and analyze appraisals, title and purchase contracts
Run LDP/GSA
Excellent customer service and analytical skills
Full understanding of FHA and Fannie Mae products

Confidential, (2002 - 2009) & Confidential, Spring Lake, NJ (1996 - 2007)
Mortgage Underwriter

Review and decision credit, income and asset documentation in order to approve loans for all FNMA and FHA loan applications
Underwrite all new and re-submitted loans, according to investor and client guidelines
Review documentation for redraw requests from the closing table
Add clear applicable conditions associated with redraw
Review HUD-1 statements for loans prior to closing to ensure compliance
Suggest different solutions for rejected loans and generate counter offers
Review appraisals according to investor guidelines
Evaluate and clear conditions

Confidential, Somerset, NJ (1992 - 1996)
Mortgage Underwriter

Underwrote loans according to GE guidelines for home equity lines of credit and closed end mortgages
Assisted credit manager in performing loan portfolio analysis, working on and helping supervise due diligence reviews. Provided due diligence and portfolio analysis reports for senior management.
Designed implementation of credit policies and standards based on portfolio performance and risk analysis
Delegated underwriting authority up to $500,000
Reviewed appraisals and title commitments

SKILLS: MS Office Suite Ability to take ownership of projects and provide excellent follow-up.

Provide the highest level of internal and external customer service.
Excellent communication and organizational skills.
Strong interpersonal skills with a proven ability to effectively deal with all levels of management.

Strong analytical and problem solving skills.
Knowledge of Genesis, Point, Encompass Software, DU, LP and FHA Connection

EDUCATION:

FNMA Classes Taken
FHA Training Classes
Desktop Originator Classes
Fair Credit Report Act Training Classes
Quality/Diversity Training Classes

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Remote Underwriter Resume

Forked River, NJ

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