Mortgage Underwriter Resume Columbus, OH - Hire IT People

SUMMARY

Hardworking and reliable Mortgage Underwriter with strong professional experience and judgment in a fair and objective manner in reviewing and evaluating application data to determine each applicant's criteria to include debt - to-income ratios, loan-to-value ratios, credit score and property valuation while assessing and identifying risk issues (including credit, collateral and legal risk) and the potential for fraud.
Highly organized, proactive and punctual with team-oriented mentality.

AREAS OF EXPERTISE

Possess excellent written and verbal communication skills
Superb interpersonal and customer service skills
Exceptional decision-making ability
Proficient with Microsoft Office Suite (Word, Excel, Access, and PowerPoint) including Microsoft outlook
Basic understanding of underwriting guidelines (FNMA, FHLMC)
AUS experience (DU, LP)
Up-to-date knowledge of all applicable underwriting policies and guidelines and industry rules and regulations

PROFESSIONAL EXPERIENCE

Mortgage Underwriter

Confidential - Columbus, OH

Responsibilities:

Ability to analyze and calculate all income types (wage earner, retirement, self-employed)
Analyze credit data and financial statements of individuals or firms to determine the risk involved in extending credit or lending money
Evaluate the entire credit package and collateral for residential mortgage loans, read and interpret AUS Results
Communicate loan decisions to appropriate parties verbally and in writing
Document and review all necessary financial information and documentation
Prepare reports based on the results from the risk analysis for use in decision-making
Ability to work in a fast-paced environment and meet daily goals
Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
Able to follow AUS findings as well as manually underwrite loans.
Underwrite mortgage loan files for agency compliance and investor guidelines
Approve or approve with conditions loan submission after careful consideration and explore possible alternatives before resorting to a suspense or denial
Assess the risk to the company and our investors to ensure salability of the loan after closing
Re-reviewing files, signing off on conditions, and moving files to clear to close
Reviewing and calculating qualifying income for borrowers, including complex self-employed borrows and personal/business tax returns
Reviewing credit reports to determine if borrowers meet credit requirements?
Reviewing appraisals to identify and resolve discrepancies
Determining conditions for loan acceptance?
Working hand-in-hand with loan processors and originators to ensure conditions are completed and cleared
Helping others to ensure information is accurate and in compliance with guidelines, policies and requirements

Mortgage Loan Processor

Confidential - Plano, TX

Responsibilities:

Responsible for taking incoming calls throughout the day and origination of self-generated residential mortgages.
Complete loan applications, quote loan programs and qualify loans.
Accurately obtain and compile copies of loan applicants' credit histories, corporate financial statements, other financial information as well as all necessary documentation to submit a loan.
Explain to clients the different types of loans and credit options that are available, as well as the terms of those services.
Review loan agreements to ensure that they are complete and accurate according to policy.
Maintain regular contact, connection and open communication with clients to help guide them through the loan transaction process.
Responsible for ensuring that outstanding service is delivered to our clients.
Manage personal loan pipeline and the loan process to ensure loans fund in a timely manner.

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Mortgage Underwriter Resume

Columbus, OH

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