Mortgage Underwriter Resume MILLERSVILLE MD - Hire IT People

SUMMARY

Experienced and analytical Mortgage underwriter professional wif 3+ years hands - on experience in teh Mortgage industry. Analyzed and conditioned Conventional and FHA approved and manual underwritten mortgage loans.
Completed detailed analysis of assets, income, and liabilities, credit, collateral to secure an accurate decision to complete teh loan process.

PROFESSIONAL EXPERIENCE

Mortgage Underwriter

Confidential, MILLERSVILLE MD

Responsibilities:

Document underwriting conditions in teh LOS based on relevant investor and product guidelines.
Strong experience in underwriting in Conventional, Jumbo loans following Fannie Mae and Freddie Mac guidelines using Automated underwriting system (AUS).
Experience in initial reviewing of FHA, VA USDA Loans.
Good experience in income calculation for W2 Wage earners and self-employed borrowers using encompass and separate income calculator.
Evaluate loan documentation to approve/deny teh loan.
Review loans for risk analysis and compliance wif agency and investor guidelines.
Appropriately decision a mortgage loan wifin a specified period while meeting required metrics for quality and quantity.
Knowledge and use of teh FNMA DU and FHLMC LP automated underwriting systems.
Experience in manually underwriting mortgage loans that do not receive an AUS approval.
Clear, specific conditioning of loans wif teh ability to communicate why teh conditions are needed for loan approval.
Review loans and applications upon receipt; approve/deny applications based on level of risk.
Carryout extensive title review and appraiser review to determine teh risk on teh collateral.
Evaluate creditworthiness of borrows to render a credit decision. This includes but is not limited to teh review of paystubs, W2's, financial statements, tax returns, asset statements, bank account statements, credit reports and more.
Perform Second Level One Up Reviews on those loans recommended for approval above someone's lending authority.
Review and evaluate information and documentation on mortgage loans, home equity loans, and home equity lines of credit to determine if borrower and/or property meets prescribed loan standards. Evaluates borrower's credit and capacity to repay teh requested loan.

TECHNICAL SKILLS

Proficient in Microsoft office including Excel.
In-depth knowledge of Encompass.
Conventional & Government Mortgages, Loan Closing, Cash-Flow Analysis
Documentation, Account Service Excellence Lending & Underwriting Guidelines.
Excellent verbal and written communication skills
Multitasker and Team Player
Excellent knowledge in Microsoft Word, Excel, Outlook, and Internet Explorer
Expert knowledge of conventional and selling guidelines (e.g., Fannie Mae, Freddie Mac etc.)

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Mortgage Underwriter Resume

Millersville, MD

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