Mortgage Underwriter Resume Phoenix, AZ - Hire IT People

OBJECTIVE

To utilize my expertise in the field of mortgage underwriting and add growth to the organization.

PROFESSIONAL EXPERIENCE

Confidential, Phoenix, AZ

Mortgage Underwriter

Responsibilities:

Review of loan - to-values, DTI ratios, tax return and base income for cash flow and/or Fannie Mae calculations
Credit reports, loan applications, title reports and appraisals to ensure each loan meets investor and company underwriting guidelines.
Analyze area of the mortgage loan application for accuracy, completeness, fraud prevention, and compliance with internal and regulatory guidelines.
Follow-up with bankers as needed to obtain conditions as necessary; clear suspense conditions. Communicate decision, negotiate, and discuss different option scenarios.
Review complex self-employment income.
Experiences in the areas of mortgage quality control, deficiency audit and fraud/risk management.

Confidential, Phoenix, AZ

Mortgage Underwriter

Responsibilities:

First mortgage and home equity underwriting examining pertinent data making a timely, intelligent credit decision while adhering to guidelines.
Approval or rejection of residential loans based on loan documentation provided
Determine whether any adjustments or additional information is required prior to approval.
Review of loan-to-values, DTI ratios, tax return and base income for cash flow and/or Fannie Mae calculations, credit reports, loan applications
Title reports and appraisals to ensure each loan meets investor and company underwriting guidelines.
Worked on special projects that demanded high production

Confidential, Phoenix, AZ

Processor/Underwriter

Responsibilities:

Review of loan-to-values, DTI ratios, tax return and base income for cash flow and/or Fannie Mae calculations
Credit reports, loan applications, title reports and appraisals to ensure each loan meets investor and company underwriting guidelines.
Originated, reviewed, processed, closed and administered customer loan proposals.
Compiled database of loan applicants’ credit histories, corporate financial statements and other financial information.
Submitted loan applications to the underwriter for verification and recommendations. Complied with regulatory requirements.