Mortgage Loan Underwriter Resume Brentwood, TN - Hire IT People

SUMMARY

Experienced Frontline Mortgage underwriter with over 9 years’ financial services experience covering insurance underwriting and analytics.
Over 3 years in Conventional loan underwriting and risk assessment.
Expertise in achieving cost - effective production with increased quality with a proven track record in relationship management and improving service levels.
I Possess exceptional ability to build productive relationships, resolve complex issues and win customer loyalty.

PROFESSIONAL EXPERIENCE

Mortgage Loan Underwriter

Confidential - Brentwood, TN

Responsibilities:

Informs processors, mortgage loan officers, closers and management of changes, updates, findings, loan conditions and credit decisions in a timely manner.
Completes a thorough analysis of loan files to determine compliance with investors guidelines (FNMA, FHLMC)
Strong working Knowledge of FHA, VA and USDA loans.
Evaluate credit worthiness of the borrower in order to make an informed credit decision by reviewing of paystubs, W2’s, bank statements, Credit Reports, Tax returns, etc.
Analyzed various types of incomes and Tax returns for salaried and self-employed Borrowers.
Closed 5 loan files daily per company’s SLA with the ability to do more.
Develop and maintain positive working relationships with co-workers, internal/external clients, business partners and vendors
Responds to post closing review and quality control audits in a timely fashion
Escalate fraud files to risk management and leadership team
Verifies the accuracy of all calculations such as Income, DTI, LTV, CLTV and HCLTV Ratios.
Analyzing loan risk, requesting additional information as necessary and Preparing reports on assessment findings
Evaluated debt ratio, loan-to-value ratios, credit scores. property valuations and various other factors
Conversant with compliance requirements and implementation of regulations governing financial institutions such as Fair Lending, Fair Housing and Equal credit Opportunity Act (ECOA)

Mortgage Loan Processor

Confidential

Responsibilities:

Provide quality accurate and timely customer service internally and externally.
Reviewed loan approvals and addressed all conditions required for underwriting and closing.
Worked with underwriters to fix application problems and resolve issues.
Ensured all loan files are documented to meet portfolio and investors guidelines for marketability and maintained quality standards.
Assisted senior-level credit officers with complex loan applications.
Ordering services such as appraisal reports, credit reports, title search reports.
Run DU /LP to get recommendations.

Confidential

Property and Casualty Underwriting Supervisor

Responsibilities:

Underwrote and negotiated renewals for various complex property and casualty insurance accounts for banks and non-bank financial institutions
Grew the portfolio from approximately $1.5million USD to over $3million USD premium income in 2 years
Reviewed property inspection reports and risk surveys for risk assessment and acceptance
Training and coaching to other underwriters

Confidential

Commercial and Personal Lines Underwriter

Responsibilities:

Underwriting of personal and commercial Auto risks
Analyzed information in insurance applications, assessed, evaluated and priced various personal and commercial risks
Utilization of Advance Insurance Management Systems (AIMS) to monitor Customer Account Information, policies and statement of accounts
Negotiated new businesses and renewal terms on individual and small commercial property and casualty insurance for various clients.
Reviewed and standardized the wordings of our home insurance policy across the company