Mortgage Loan Underwriter Resume Texas - Hire IT People

SUMMARY

Self - motivated, detail-oriented, organized, Mortgage Underwriter wif excellent analytical skills.
Excellent communication skills, as well as great work ethic and the ability to thrive in deadline driven environment.
Ability to foster good relationships based on mutual trust and respect.
I am experienced in the art of adapting to changes and work on multiple tasks/projects concurrently.

TECHNICAL SKILLS

Expert using Desktop Underwriter (DU) and Loan Product Advisor (LPA)
Knowledge of secondary market guidelines and regulations
Very noledge of Credit, Income, Asset and Collateral analysis
Good Knowledge of Mortgage systems (Encompass, N-power, Calyx)
Desktop Underwriting -DU, Loan Prospector-LP, Automated Underwriting System-AUS and Loan Originator-LO
Decision making and time management skills wif the ability to manage multiple duties.
Results driven, service oriented, self-motivated and capable of working independently
MS-Office: Excel, Word, PowerPoint, Great research skills.

PROFESSIONAL EXPERIENCE

Confidential, Texas

Mortgage Loan Underwriter

Responsibilities:

Communicates loans decisions to clients/internal departments in a timely fashion and ensures compliance deadlines are met wif regards to pre-disclosures, approval letters, denial notices, and counteroffers Run, reads and interprets automated underwriting decision results from both Desktop Underwriter and Loan Prospector
Reviewed and updated data in systems which ensured adequate file integrity.
Generated and ensured timely generation of all required documentation and processing disclosures.
Processed home loans through Desktop Underwriter and reviews the automated underwriting conditions to ensure loan still meets original approval eligibility.
Liaison wif assigned Loan Officers and Underwriters to resolve any file discrepancies in order to ensure timeliness of rate locks, compliance, and loan delivery for committed loans.
Completed post-closing review of the loan file to ensure proper documentation compliance.
Works closely wif processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems
Maintains and cultivates an effective working relationship wif internal and external customers
Consistently meets or exceeds established minimum productivity and quality goals

Confidential, Texas

Junior Underwriter

Responsibilities:

Analyze loan file to determine member credit worthiness and collateral value.
Underwrote loan applications using Desktop Underwriter (DU) and Loan Product Advisor (LP)
Evaluate the geographic area, the type, ownership and occupancy of the residence and assures dat proper adjustments to loan terms, rate or amount, if any, are made before accepting collateral.
Utilize DU/DE, AUS and LP making income and credit underwriting decisions
Assess initial loan application (1003) and compare wif the provided documents and request borrowers to complete the application if not complete
Requested loan processors to order subordination agreements of second mortgages or lines of credits if requested
Evaluated income documentation including pay stubs, bank statements, tax returns (W2) from borrowers and verified documents for fraud
Coordinate wif loan processors, closers, and contacted borrowers in order to process loans faster and effectively.
Examine appraisals, flood, homeowner's insurance policies, title commitments and assets
Regularly attended training for Credit and income as well as collateral review in order to stay current wif lending guidelines

Confidential, New Jersey

Mortgage Loan Processor

Responsibilities:

Manage heavy Pipeline for FHA/USDA and VA and Conventional loans and ensured all information is current.
Responsible for pulling and Reviewing Credit Reports and other financial documents
Tasked wif auditing mortgage files and finding missing documents and notifying borrowers of their loan status
Responsible for Pre-Underwriting all loan products through reviewing of titles, appraisals, income and credit and submitting loan packages to UW
Provides quality loan processing in a paperless work environment, reviewing files for adherence to underwriting standards and ensuring completeness of underwriting submission.
Maintains positive working relationships between peers and managers as well as wif Third Party Originating clients, realtors, builders, referral sources, and other internal partners.
Act as a liaison between Third Party Originating client, loan officer and/or realtor, underwriters, closers and other internal partners to collect necessary documentation, provide current loan status and to close loans on time.
Meet monthly performance metrics (productivity/quality), and satisfactory client customer survey scores.