Conventional Mortgage Underwriter Resume

SUMMARY

Al Tabe, a conventional underwriter with 3 years of mortgage underwriter. Individual with high level of attention to details, noledge of investor guidelines (Fannie Mae and Freddie Mac),Ms. Office Suite, Encompass, Skype, Zoom, Webex, Ms Teams,
Al is well - spoken, personable, integrity, professional; and ready to start a new opportunity right away.

TECHNICAL SKILLS

PROFESSIONAL EXPERIENCE

Confidential

Conventional Mortgage Underwriter

Responsibilities:

Analyze employment profile, credit strength, property characteristics, and all other information pertinent to teh credit decision process on each mortgage application, as presented by teh broker.
Apply internal guidelines and investor guidelines to teh credit decision process.
Prioritize deals in Workflow queue to minimize turnaround time.
Select required conditions on each deal to be satisfied prior to funding.
Using teh underwriting system, input: selected conditions, credit information, property details, and borrower information.
Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received.
Review documentation for compliance with internal and regulatory guidelines.
Correspond with processors to attain outstanding documentation needed to complete requirements as stipulated on teh commitment.
Implemented Fannie Mae and Freddie Mac guidelines in reviewing case files.
Assessed borrower’s financial position and strength.
Reviewed assets, liabilities, and other necessary information in reviewing a loan file.

Confidential

Loan Processor

Responsibilities:

Responsible for processing loans from set-up to closing by verifying, compiling and entering borrower information in to loan processing systems.
Reviews loan application files to verify dat all data is complete and meets standards, including teh loan type and purpose, borrower assets, liabilities, and employment.
Verify and analyze loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations.
Interact with Mortgage Professionals to obtain information from teh borrower or to seek clarification about documents in teh loan file.
Informs teh Processing Manager of discrepancies in teh file and obtains direction on how to proceed, as applicable.
Record data to track teh status of loans in processing.
Submit loan application files to underwriting for approval, and creates and mails approval or denial letters to applicants.
Submit approved mortgage loan files to closing for settlement.
Responsible for handling non-public information (NPI) about borrowers.
Adhere to all applicable internal NPI policies and procedures, and protect teh confidentiality of borrower information.
Performs administrative duties such as faxing, photocopying, filing and phone support, as required, by Loan Processor II and Processing Managers.