Compliance Underwriter Resume

SUMMARY:

Level three senior frontline mortgage underwriter with expertise in all facets of mortgage underwriting, loan servicing, and compliance reviews including super jumbo, jumbo, conventional, non - conventional, manual, brokered, government, heloc, sub-prime and PMB loan reviews.
Skilled in risk analysis with regard to ATR, QM and non-QM. Experienced with government loan reviews including FHA, VA and USDA. Strong leadership and supervisory experience having mentored and trained junior underwriters, to a high standard of underwriting ability.
Excellent time management and organizational skills, with very high production numbers, while maintaining very high quality review scores. Signing authority limits between $417k to $1 million.
Work well with others supporting and leading a decline review team to ensure that all loans were properly dispositioned in line with company policy adhering to Fannie and Freddie’s guidelines.
Credit Policy Development
Operational Management
Strategic Planning & Analysis
Growth & Expansion
FHA
Credit Underwriting
Leadership &
MS Office Suite
Management Reporting
VA
Risk Management
Relationship Building
Investigations
Regulation & Compliance

PROFESSIONAL EXPERIENCE:

Confidential

Compliance Underwriter

Responsibilities:

Compliance, credit and TRID loan risk reviews for various lending companies.
Frontline as well as backend reviews with loan amounts from $417k to $1 million.
Very high production numbers completing new loan reviews within 3 hours and resubmission’s within an hour.
Able to prioritize and maintain large pipelines and while maintaining an open line of communication with processing and sales.
FHA, VA, USDA loans with full appraisal reviews.

Confidential

Senior Underwriter

Responsibilities:

Full credit review, in0me analysis for high net worth clients to establish ability to repay.
Full appraisal reviews for high net worth properties with minimal comps to support high dollar amount.
Prepared exception request with compensating factors for qualified clients.
Developed strong business relationships with clients to better understand their needs and communicate lending decisions in an effective manner.

Confidential

Senior Underwriter

Responsibilities:

Worked in collaboration with numerous new home builders to secure construction purchase loans.
Performed client due diligence to ensure that all standards of compliance were adhered to during the underwriting process.
Investigated client circumstances and carried out complex income reviews to finalize and sign off on approvals.