Mortgage Underwriter Resume

SUMMARY:

Expertise in analyzing and reviewing mortgage loans as a Mortgage Underwriter with 3 years of experience. Assets, income, and appraiser reviews with deep analyses on tax documents personal assets, liabilities, and personnel reliability. Underwrite conventional loans, purchase and refinance.

SKILLS:

CLOSING

CONVENTIONAL LOANS

MORTGAGE UNDERWRITING

Underwriting

AUTOMATED UNDERWRITING

TAX RETURNS

FINANCIAL STATEMENTS

Business Analysis

PORTFOLIO MANAGEMENT

LOAN CLOSING

RISK ASSESSMENT

DOCUMENTATION

DOCUMENTING

PIPELINE

Recruiting

TABLEAU SOFTWARE

TABLEAU

Microsoft Office

Microsoft Outlook

Microsoft Powerpoint

MICROSOFT WORD

MAC

EXPERIENCE:

Confidential

Mortgage Underwriter

Responsibilities:

Proactively manage assigned pipeline in accordance with performance standard and communicate status to management.
Analyze borrower's credit profile, collateral, and capacity to repay the proposed mortgage obligation. underwriting Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.
Guarantee loan submittals met internal and external eligibility requirements.
Underwrites loans to verify for completeness, accuracy, and compliance.
Communicate with borrower to verify information and ensure that all required documents are provided. Inform loan processors, loan officers, closers, and management of changes, status updates, findings, and credit decisions in a timely manner
Review and evaluate borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents, and appraisals.
Underwrites first time home buyers' loan, refinancing and modifications.
Maintain communication with management on status of loans in process.
Ensure all tracking is kept up to date on loans status so it is clear if loans are being held up and what the reasons for the holdup is.
Accurately calculate borrower's loan to income and debt - to-income ratios Evaluates Tax and title review to determine and document loan conditions.
Demonstrates proficiency in automated underwriting systems (DU, LP).
Evaluate creditworthiness of borrows to render a credit decision.
This includes review of paystubs, W2's, financial statements, tax returns, asset statements, bank account statements, and credit reports.
Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.

Confidential

Contract Account Specialist

Responsibilities:

Responsible for recruiting, documenting and managing user and technician profiles. Sign up interested parties to servicelive platform.
Assist providers with w9 form, DocuSign and background check submission for review and documentation
Signed-up customers who passed a background check and providing them with guidance around account management and maintenance.
Providing financial advice to qualified members regarding ways to meet requirements for Qualification Communicate customers' loan decision to customers and provide advice on how to improve standards in order to increase prospects for requalifying.
Review pipeline to determine pending applications and reasons for delay
Receive inbound calls and transfer to the department in charge.

Confidential

Business Analyst

Responsibilities:

Responsible for conducting market analyses, analyzing both product lines and the overall profitability in the business areas of construction and contracting, education, banking and finance.
Creating a detailed business analysis outlining problems, opportunities, and technology solutions for the business areas.
Provided business analytics around road construction and machine performance.
Created finance dashboards calculating automated spending/cost numbers in other to determine profitability from specific business ventures.
HR analytics to calculate the total number of employees and their demographics in relation to providing timely services which led to high earnings.
Provide business advice to high level board of directors in other to encourage data driven decision making Improved business outcome portfolio by introducing visual analytics with customized solutions. Worked on PI planning and project estimation using Scrum as the main tool for agile methodology.
Organized multiple meetings with both external and internal businesses to educate them on how tableau works and how they could become independent and develop these reports locally or control the schedules remotely.
Worked with the data base team to understand the data structure and model in other to make better business decisions.

We provide IT Staff Augmentation Services!

We'd love your feedback!

Resume Categories

Client Services

Job Seekers

Visa Sponsorship