Mortgage Underwriter Resume Cadillac, MI - Hire IT People

PROFESSIONAL SUMARRY:

Experienced Mortgage Underwriter with over 5 years of experience in fast - paced Mortgage Production Environment. Experienced with risk assessment, income/credit analysis and documentation review. Identifying red flags in all documents. Underwrite Loan Program to verify for completeness, accuracy, and compliance. Good with Appraisal review. I have great communication skill which has been showcased by my ability to work with people from different background. Accomplished and dynamic professional, with solid and diverse experience in mortgage underwriting recognized for consistently achieving company goals.

SKILL:

Proven analytical and organizational skills and demonstrated ability to prioritize and multitask.

Credit and Income Analysis

Risk Assessment

Loan-to-Value Ratio (LTV)

Debt-to-Income Ratios (DTI)

Conventional Mortgages

Jumbo Loan

Encompass / Empower.

Cash-Flow Analysis

FNMA/FHLMC Guidelines

WORK EXPERIENCE:

Mortgage Underwriter

Confidential, Cadillac, MI

Responsibilities:

Underwrites loan files for designated processing center through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames as determined by management Assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting.
Activate UDN at Initial Approval and Retrieve and Update it at Clear to Close.
Reviews self-employed, corporate and partnership tax returns, profit, and loss, as well as financial statements to ascertain borrowers' income.
Evaluated performance of less experienced underwriters and helped improve overall work quality by implementing improvement plans.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Determined and documented loan conditions and communicated requirements and decisions.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Supported review and acceptance or denial of new or renewal business.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Checked personal and team calculations to validate information and underwriting decisions.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
Calculated group and individual renewal rates based on customers background, industry, and demographic information.
Demonstrates proficiency in automated underwriting systems (DU, LP).

Jr Mortgage Underwriter

Confidential, Phoenix, AZ

Responsibilities:

Identified portfolio risks resulting from client's underlying business practices, underwriting investigations, or fraud exposure.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations, or fraud exposure.
Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Calculated group and individual renewal rates based on customers background, industry, and demographic information.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

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Mortgage Underwriter Resume

Cadillac, MI

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