Mortgage Underwriter Resume EL Paso TX - Hire IT People

SUMMARY

Analytical mortgage underwriter with 4+ years of experience responsible for the analysis of submitted file for Capacity, Capital, Character, Collateral, and Condition.
This includes ensuring that loan request meets program and product specifications or counter - offer to different product and/or program when appropriate.
Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.

AREAS OF EXPERTISE

Understanding of mortgage auditing and quality control process
Strong credit, risk analysis and analytical skills
Ability to multi-task and must be detail oriented
Team player with excellent customer service skills
PC Proficient to include: Word, Excel, Outlook, internet, e-mail and mortgage loan origin
Strong verbal and written communication skills
Capability of working under pressure and meeting deadlines
Knowledge of Encompass LOS
Detailed oriented, flexible and adaptable
Learns quickly and thrives in a fast-paced environment
Ability to adapt the changing environment

PROFESSIONAL EXPERIENCE

Confidential, EL Paso TX

Mortgage Underwriter

Responsibilities:

Review loan applications from processors for underwriting to all agency guidelines and investor overlays
Ability to review and research guidelines for both agencies and investors
Verify and validate all income types, assets used in transaction, and credit reports
Review and underwrite appraisals and titles
Organize and manage personal pipeline
Issue approval with conditions or clear to close to the loan officer & processor
Work with team members (Processors, Closers and Loan Officers) to identify potential solutions/alternatives for difficult/denied loan files.
Keep abreast of changes in guidelines to keep current with all requirements.
Communicate, as required, with Underwriting Manager and advise of any underwriting problems or issues.
Complete thorough analysis of loan files to determine compliance with company, investor and agency guidelines.
Maintain a minimum productivity level of 4 new loans per day.
Review conditions within posted turn times.
Communicate loan decisions to appropriate parties both orally and/or in writing.
Respond to post closing, insuring and audit reviews.

Confidential, Albuquerque NM

MORTGAGE UNDERWRITER

Responsibilities:

Reviews and analyzes all information on the loan application matching it to the documentation in the loan file and data in the Loan Origination System (LOS).
Reviewing initial submission of loan files and determining eligibility with Confidential and/or Investor loan guidelines.
Authorizing and underwriting mortgage loans.
Review income, assets, appraisals, and other conditions on files and make sure they meet appropriate guidelines
Work with Underwriters and Underwriting Supervisors to complete underwriting process within required turn times
Stay current on agency and investor guidelines as well as internal processes
Effectively communicate with Loan Officers and Processors
Knowledge of basic lending and underwriting policies and procedures, including guidelines issued by Confidential .
Proficiency with automated underwriting systems.
Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.

Confidential, San Francisco, CA

Loan Processor

Responsibilities:

Perform a thorough analysis of new loan applications, including reviewing borrowers' income and expense data, self-employment documentation, tradelines, and property valuations while considering specialized underwriting criteria.
Pre-underwrite loan applications to ensure they meet underwriting standards according to a wide range of lender guidelines and requirements.
Package and submit loans to lender underwriting for conditional review and full approval.
Apply your experience and industry knowledge to evaluate investor guidelines' loan findings and create pathways for solution-based approval exception scenarios and/or counter-offers.
Prepare, review, and ensure the timely delivery of all loan disclosures to our clients in accordance with all governmental and investor requirements.
Updates job knowledge by participating in educational opportunities maintaining personal networks.