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Mortgage Underwriter Resume

2.00/5 (Submit Your Rating)

Maitland, FL

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SUMMARY:

Meticulous and methodical Mortgage Underwriter eager to bring four (4) years background in Mortgage underwriting in the work market. Proficient in reviewing extensive applications and supporting documentation. Maintains consistent pipelines and quick turnaround times with skilled handling of each customer's needs. Open to update knowledge in mortgage industry and to help if necessary. Highly organized and Team - oriented with success in building relationships with brokers and sales agents to achieve business goals.

SKILL:

Automated Underwriting System (DU, LP)

Residential LoanWholesale Loan

Debtto: Income RatiosLoan to Value Ratio CalculationsAsset statementsApplication analysisFreddie Mac Guidelines Confidential Guidelines

Government: insured Mortgage

Non: QM MarketsTime managementD Confidential analysisENCOMPASS usageMicrosoft Suite

PROFESSIONAL EXPERIENCE:

Mortgage Underwriter

Confidential, Maitland, FL

Responsibilities:

  • Income calculation for employees on W2 and self- employer base on Taxes return.
  • Income calculation for borrower on Social Security Benefit.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Evaluated debt to income ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
  • Intensively Worked and close Conventional Loan
  • Income calculation of NON-QM Borrowers.
  • Income calculation for FHA LOAN and VA LOAN.
  • Reviews and analyzes Non-QM loan application documents to ensure eligibility.
  • Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
  • Trained junior team members in underwriting procedures and loan quality grading standards.
  • Intensively work and close loan applications for residential home (first and second home) and rental properties.
  • Analyzed credit, income, compliance report, title documents, appraisals, Fraud and Flood documents during underwriting process.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Analyzed personal and business tax returns for income qualification for home mortgage loans.
  • Good understanding of DU (Desktop Underwriter) and LP (Loan Prospector) systems as well as the Confidential and Freddie Mac guidelines.
  • Reviewed and evaluated borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.
  • Always make sure to respect the Company’s Service Level Agreements (SLAs).

Life Insurance Agent

Confidential, Rockville, MD

Responsibilities:

  • Sale of financial products (life insurance, mutual fund, annuity, etc.)
  • Recruit prospectors to expand your team.

Assistant manager of Maintenance department

Confidential

Responsibilities:

  • Planning and organization of preventive maintenance operations
  • Establishment of maintenance procedures
  • Monitoring of the maintenance history of each machine

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