SUMMARY

• A hungry professional who TEMPhas been in teh mortgage industry as an underwriter with over 5plus years of experience.
• Detailed oriented and a very good team player with excellent communication skills.
• I do has experience both as a loan processor and an underwriter.
• I has signature Conventional loans and has a good working knowledge of FHA, VA, and USDA mortgage loans.
• I am focused on alleviating company risks while meeting profit goals by ensuring prudent decisions hinged on sound standard as a proficient mortgage underwriter.

TECHNICAL SKILLS

• Encompass, Empower LOS
• Ability to evaluate and determine if loan meets underwriting guideline, product guidelines, company's requirements, and eligibility.
• Microsoft office suite
• Manual mortgage underwriting experience.
• Fair Housing Regulations
• Portfolio Management
• Able to assess risk appropriately while working diligently to meet branch goals.
• Team player dat works well with management and processors
• Excellent analytical, organizational, verbal/written communication skills

PROFESSIONAL EXPERIENCE

Confidential, Alexandria, VA

Mortgage Underwriter

Responsibilities:

• Underwriting experience spanning Conventional products and has working knowledge on FHA, VA and USDA guidelines.
• Income calculation documentation such as personal and business income statement and ensures all necessary documentation is requested to support final loan decisions.
• Analyze and review loans for risk analysis and compliance with agency and investor guidelines.
• Calculate debt to income ratio to determine credit worthiness of teh borrower.
• Proficient working with DU and LP system to determine eligibility.
• Come up with training plans to help improve overall work performance of less experience underwriters after evaluation.
• Do analysis on loans files to ensure dat information is compliant with lending guidelines and legal standards, including red flags, suspicious activity standards and ethical lending standards.
• Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
• Meet with customers, agents, and brokers to negotiate coverage, price and service delivery.
• Coordinated with internal stakeholders to initiate marketing strategies and meet market penetration and business growth objectives.
• Meet 10 - hours timeline consistently, turning around applications quickly with firm approval or denial decisions.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Reviewed and ensured documentations were consistent and update to company and industry guidelines.
• Review conditions submitted on loans and sign off on conditions where appropriate.
• Review and evaluate borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgment, bankruptcy documents and appraisals.
• Ensure timely review and follow-up steps to meet and exceed customer's expectations.
• Select required conditions on each deal to be satisfied prior to funding.

Confidential, Laurel, MD

Mortgage Underwriter

Responsibilities:

• Analyze credit reports, income documentation, assets, liabilities, property appraisals, and title reports to insure loans meet company standards for sale into secondary market.
• Underwrite residential mortgage loans in accordance with Jumbo, FNMA, FHA, and VA internal guidelines ensuring compliance with company and investor standards.
• Organize, compile, and analyze financial data and input financials into LOS.
• Account Managers with loan feedback to assist in teh placement of loans.
• Review findings from teh Automated Underwriting System and provide validation.
• Update loan origination systems to ensure dat pipeline report reflects teh most updated status for teh active loan in process.
• Review all derogatory information on teh credit report and compare to teh information submitted as part of teh application process.
• Review teh appraisal and check if it TEMPhas been valued properly to warrant teh loan requested from teh bank.
• Communicate all mortgage loan guidelines to customers, loan processors, brokers, and sales associates.
• Analyzes and calculates income documentation such as personal and business income tax returns and ensures all necessary documentation is requested to support final loan decisions.
• Working knowledge of FHA, Fannie Mae, Freddie Mac, USDA, and VA guidelines as well as investor overlay. TEMPEffectively utilize lending guidelines to assess loan risk and eligibility.
• Ensure timely review and follow-up steps to meet and exceed customer’s expectations.
• Provide support to Loan Officers and Relationship Managers regarding questions and/or clarification of inquiries, loan files, and underwriting guidelines.
• Evaluate creditworthiness of borrows to render a credit decision. dis includes but is not limited to teh review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports etc.
• Prioritize deals in Workflow queue to minimize turnaround time.
• Select required conditions on each deal to be satisfied prior to funding.
• Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
• Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on teh commitment.