MORTGAGE UNDERWRITER Resume New York, NY - Hire IT People

AREAS OF EXPERTISE

PROFESSIONAL EXPERIENCE

MORTGAGE UNDERWRITER

Confidential, New York, NY

Responsibilities:

Evaluate creditworthiness of borrows in order to render a credit decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports
Perform Second Level One up Reviews on those loans recommended for approval above someone’s lending authority
Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed Bank guidelines when warranted
Financial Analysis - Accurately determines the financial condition of the applicant(s)
Evaluates borrower’s credit and capacity to repay the requested loan
Knowledge of new construction and draw mortgage underwriting required
Proactively addresses underwriting submission deficiencies
Underwriting 2 to 3 new loans a day. About 50 monthly

MORTGAGE UNDERWRITER

Confidential, Mineola, NY

Responsibilities:

Evaluate creditworthiness of borrows in order to render a credit decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports
Perform Second Level One up Reviews on those loans recommended for approval above someone’s lending authority
Uses background experience and knowledge of guidelines and personal judgment to make loan decisions which exceed Bank guidelines when warranted
Financial Analysis - Accurately determines the financial condition of the applicant(s)
Evaluates borrower’s credit and capacity to repay the requested loan
Knowledge of new construction and draw mortgage underwriting required
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
Underwrite 2 to 3 new loans a day. About 50 monthly.

MORTGAGE UNDERWRITER

Confidential, Jamaica, NY

Responsibilities:

Approve or reject residential loans within limited authority met prior to closing the loan
Collect and analyze credit reports, financial statements, and appraisals
Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount approved
Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs. Seeks formal legal opinions if needed
Gathers information in order to solve problems and make decisions through phone contact to managers, loan originators, government agencies, realtors, and borrowers
Assists in the development and training of loan production personnel, loan closers, and set-up employees