MORTGAGE UNDERWRITER Resume Renton, WA - Hire IT People

SUMMARY

Career mortgage underwriter wif a solid foundation in teh real estate industry. Over 19 years as a licensed Real Estate agent in teh state of Virginia. TEMPHas worked closely wif a “Class A” Licensed contractor for over 15 years working on residential and commercial projects before becoming a mortgage underwriter me 2016.
Has experience in approving loans and handling other credit related items, wif extensive knowledge in keeping contact wif mortgage lenders, mortgage operations staff and correspondent banks.
me is well - organized individual wif teh ability to make sound, independent judgments, and enjoys dealing wif and serving people. me work extensively wif teh secondary market programs, and knows Fannie Mae and Freddie Mac underwriting guidelines, Rural Development, and mortgage insurance guidelines.
Expertise in Conventional, FHA, VA & Fannie Mae Loans.
Success driven individual who TEMPhas demonstrated 4 years of success in a residential underwriting role.
Mortgage underwriter wif strengths in risk assessment,income/credit analysis and documentation review.
Excellent, timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.
Comprehensive knowledge of underwriting guidelinesand restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages.
Work collaboratively wif team members to drive deals to successful funding and close.

TECHNICAL SKILLS

Excellent organization skills - able to prioritize work and meet deadlines.
Excellent interpersonal skills - able to work wifin a team.
Excellent verbal and written communication skills
Strong numerical skills
Comfortable and experience working wif technology (solutions)
Proficient in Microsoft Office tools (or equivalent) - Outlook, Word and Excel
Knowledge of different loan types.
Strong problem-solving capabilities.
Attention to detail.
Ability to effectively support underwriters and manager to deliver superior service to our customers.

PROFESSIONAL EXPERIENCE

MORTGAGE UNDERWRITER

Confidential Renton, WA

Responsibilities:

Accurately calculate borrower's income and debt-to-income ratios
Maintain communication wif management on status of loans in process, ensure all tracking is kept up to date on loan status so it is clear if loans are being held up and reasons for teh holdup.
Communicate loans decisions to clients/internal departments in a timely fashion.
Act as a role model of teh company's values, acting in an ethical and professional manner always.
Evaluates Tax and title review to determine and document loan conditions and communication requirements and /or fraud exposure.
Analyze borrower's credit profile, collateral, and capacity to repay teh proposed mortgage obligation.
Underwrites first time home buyers' loan, refinancing and modifications.
Underwrites loans to verify for completeness, accuracy, and compliance, communicates wif borrowers to verify information and ensure dat all required documents are provided in accordance wif lender requirements.
Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.
Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals.
Demonstrates proficiency in automated underwriting systems (DU, LP).
Ensured loan submittals met internal and external eligibility requirements.
Maintains a pipeline of loan file audit/review inventory, meet production requirements, and communicate status to management.

MORTGAGE UNDERWRITER

Confidential Renton, WA

Responsibilities:

Maintained In and outbound calls wif customers for requirement gathering and providing solutions to customer queries.
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 meet prescribed loan standards.
Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed guidelines when warranted.
Financial Analysis - Accurately determines teh financial condition of teh applicant(s)
Evaluates borrower's credit and capacity to repay teh requested loan.
Knowledge of new construction and draw mortgage underwriting requirements Proactively addresses underwriting submission deficiencies.
Assist in correction of Delivery Violations and government insuring.
deficiencies on specific files as required.
Analyze DPA programs and Trust agreements as needed.
Demonstrated excellent follow-through wif borrowers, loan processors, loan originators and management throughout all phases of teh underwriting process.

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Mortgage Underwriter Resume

Renton, WA

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