Mortgage Underwriter Resume

SUMMARY:

Strategic mortgage underwriter with 7+ years of success in financial reporting, analysis, and project management. Meets deadlines consistently, resolved discrepancies, and increased company revenue. Skilled at maximizing productivity through process improvements and detailed analysis.

SKILLS:

Underwriting Fair Housing Regulations

WORK EXPERIENCE:

Mortgage Underwriter

Confidential 

Responsibilities:

Responsible for underwriting mortgages and recommending loans for approval on all residential properties.
Processed FHA, VA, and conventional loans.
Touch 7 - 10 loans a day on average for review or final approval.
Underwrites 5-7 new loans per day
Authorizing terms and conditions of residential commitment letters, conducting thorough credit investigations, obtaining and validating credit information, income confirmation and down payments.
Review loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, and income documents, title documents, appraisals, and all applicable compliance documents.
Calculate and evaluate debt-to-income ratio (DTI), loan-to-value ratios, credit score, property valuation, and various other factors.
Review tax and title, loan conditions, and help qualify clients.
Adhere to all client/lender policies and procedures, in addition to Federal, State, and municipal laws and regulations.
Identify portfolio risks resulting from the clients underlying business practices, underwriting, and fraud exposure.
Identify potential challenges within the underwriting process and make recommendations for changes to improve.

Mortgage Underwriter

Confidential

Responsibilities:

Processed FHA, VA, and conventional loans.
Worked a pipeline of 60-80 loans a week, closing a minimum of 15+ loans a week.
Touch 5-6 loans a day on average for review or final approval.
Review loan files and help qualify clients.
Review financial statements, credit reports, and debt-to-income ratio (DTI).
Examine fraud documents detected and renegotiate loans.
Loan Officer: Promoted from loan officer to mortgage underwriter within three months of joining company.

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