CONTRACT MORTGAGE UNDERWRITER Resume

PROFESSIONAL EXPERIENCE

Confidential

CONTRACT MORTGAGE UNDERWRITER

Responsibilities:

Analyzes documentation such as credit, income, assets, and appraisals to make sound underwriting decisions based on dis analysis by using an internal checklist.
Reviews teh credit checks and status of borrower to evaluate creditworthiness and render credit decision.
Analyzes loan applications to identify any risk issues and/or potential misrepresentation.
Ensures dat Company operating standards are met for underwriting and compliance by utilizing internal, external policies and procedures.
Reviews applications and all pertinent disclosures to ensure compliance wif all Federal, State, and investor requirements are met and upheld.
Monitors property appraisal process to ensure teh value of a property is accurately presented.
Reviews documentation and ensures documents are properly classified and organized.
Makes quality underwriting decisions while maintaining Company turn - time expectations.
Reviews and clears conditions on loans to ensure a complete loan package prior to closing.
Continually reviews underwriting environment, and suggests improvement opportunities to management.

Confidential

MORTGAGE UNDERWRITER

Responsibilities:

Performed frontline underwriting of conventional residential mortgage loans.
Reviewed and analyzed application documents provided by consumers.
Calculated available consumer cash flow based upon documentation received.
Issued underwriting decisions using procedures, systems and ensured compliance wif investor underwriting guidelines.
Escalated issues wif teh assigned manager.
Documented teh underwriting review in systems.