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Mortgage Underwriter Resume

3.00/5 (Submit Your Rating)

Riverdale, MD

SUMMARY

  • A Critical thinking individual wif over 3 years of professional experience in conventional mortgage underwriting.
  • me possess excellent verbal as well as written communication skills and have worked as an individual as well as part of a team.
  • me am very proactive in nature, excellent in documentation, pay keen attention to details and ready to explore new environments.

PROFESSIONAL EXPERIENCES

Confidential, RIVERDALE MD

MORTGAGE UNDERWRITER

Responsibilities:

  • Review loan package for required documentation.
  • Analyze loan risk and request additional information, as necessary.
  • Ensure loan package meets compliance guidelines and fixing discrepancies as necessary.
  • Review and clear all underwriting conditions prior to closing.
  • Making loan eligibility decisions and approving or rejecting applications
  • Review loa history provided in teh documentation and results of prior review requests.
  • Escalate issues wif teh manager and provide ongoing feedback to continually improve our process.
  • Authorize and underwrite loans.
  • Issue underwriting decisions using procedures, systems and ensure compliance or investor underwriting guidelines.
  • Analyze and review incoming purchases and refinance conventional loans for completeness and accuracy.
  • Maintain required production and quality standards.
  • Review FHA Loans for supervisor to approve and sign.
  • Document teh underwriting review in systems.
  • Analyze documentation such as credit reports, income, taxes, assets, and appraisals to ensure information listed in teh Uniform Residential Loan Application (URLA/1003/65) is accurate.

Confidential NEW YORK

MORTGAGE UNDERWRITER

Responsibilities:

  • Review loan files to ensure they meet all teh conditions and implement teh loan agency guidelines.
  • Calculate available consumer cash flow base upon documentation received.
  • Underwrite mortgage loan applications and evaluate loans in order to maximize organizational profit and minimize risk or loss.
  • Update fields in encompass (assets, liabilities, fico scores, property type, file contacts).
  • Deny Loans if documentation presented does not meet Freddie Mac or Fannie Mae Guidelines.
  • Contact private investors to resolve any issues or questions that may arise on loan files, programs etc.
  • Communicate decision on loans to appropriate parties both verbally and in writing.
  • Review and analyze income from both personal and corporate tax returns.
  • Analyze loan packages for any sign of fraudulent documentation or information.
  • Work wif Loan Originators to restructure questionable loans into a salable package.
  • Remain informed of all government regulations, requirements and laws for loan submissions.
  • Consult wif teh Processing and Closing departments to ensure that all underwriting conditions are met prior to closing teh loan.
  • Maintain highest level of customer service.
  • Review and clear all underwriting conditions prior to closing.

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