MORTGAGE UNDERWRITER / QUALITY ANALYST Resume

SUMMARY

Experienced and analytical Mortgage underwriter professional with 4+ years hands - on experience in the Mortgage industry.
Financial Services professional with solid track record for business development in mortgage banking and lending industry.
Known for effectively managing financial risk s while improving profitability, productivity and customer satisfaction.
Customer focused and resourceful. Adapts quickly, mastering new learning and providing sound analytics and problem solving while navigating.

AREAS OF EXPERTISE

Credit & Income Analysis
Risk Assessment
Loan-to-Value Ratios (LTV)
Debt-to-Income Ratios (DTI)
Conventional & Government Mortgages
Loan Closing
Cash-Flow Analysis
Documentation
Account Service Excellence Lending & Underwriting Guidelines.
Fair Housing Regulations.
Loan Officer Experience.
Portfolio Management.
Tax Experience.
Requirement Gathering.
Microsoft Office.

PROFESSIONAL EXPERIENCE

MORTGAGE UNDERWRITER / QUALITY ANALYST

Confidential

Responsibilities:

Underwrites first time home buyers' loan, refinancing and modifications.
Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information.
Complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards.
Underwrites loans to verify for completeness, accuracy, and compliance, communicates with borrower to verify information and ensure that all required documents are provided.
Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.
Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.
Demonstrates proficiency in automated underwriting systems (DU, LP).
Ensured loan submittals met internal and external eligibility requirements.
Maintains a pipeline of loan file audit/review inventory, meet production requirements, and communicate status to management.
Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans.
Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision.
Analyzes and calculates income documentation such as personal and business income statements and ensures all necessary documentation is requested to support final loan decisions.
Gained extensive experience in underwriting Conventional Loans.
Evaluates Tax and title review to determine and document loan conditions and communicating requirements and /or fraud exposure.

MORTGAGE UNDERWRITER

Confidential

Responsibilities:

Performed a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Maintained In and outbound calls with customers for requirement gathering and providing solutions to customer queries.
Review and evaluate information and documentation on mortgage loans, home equity loans, and home equity lines of credit to determine if borrower and/or property meets prescribed loan standards.
Evaluated the financial strength of borrowers to determine risk and repayment capacity.
Performed a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.
Demonstrated proficiency in automated underwriting applications and ability to assess results.
Maintained a great attention to detail in underwriting mortgages.
Maintained compliance with lending, underwriting and government requirements.

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