MORTGAGE UNDERWRITER Resume Atlanta, GA - Hire IT People

AREAS OF EXPERTISE

Proficient in Encompass, Microsoft Excel, Word and PowerPoint, and up - to-date knowledge of Automated Underwriting Systems (AUS), including Fannie Mae’s DU and Freddie Mac’s LP systems
Trainer and At The Elbow support to medical providers on Epic computerized Medical software
Capability of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism
Strong organizational and analytical skills and ability to prioritize work as required
Demonstrate understanding and assessment of risk in making high quality underwriting decisions
Skills in accounting, securities, manufacturing and assisted care

PROFESSIONAL EXPERIENCE

MORTGAGE UNDERWRITER

Confidential, Atlanta, GA

Responsibilities:

Complete a thorough analysis of entire loan package to determine compliance with company, investor, conventional and government guidelines
Evaluate financial strength/creditworthiness of borrowers to determine risk and repayment capacity. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, credit reports, etc.
Analyze borrower’s credit profile, collateral and capacity to repay the proposed mortgage obligation. Thoroughly examines title reports and loan documentation to ensure accuracy and completeness
Worked closely with loan officers/account executives to ensure timely response to any issues to avoid delays
Review and underwrite all loan files in a consistent and timely manner
Utilize automated underwriting systems as dictated by product and investor
Implementing credit and regulatory policies and conducting periodic credit review
Complete a variety of underwriting assignments at the direction of the Underwriting Manager or Underwriting Director
Performs and delivers on routine assignments and projects while simultaneously leveraging and applying knowledge

Mortgage Underwriter

Confidential

Responsibilities:

Evaluates borrower’s credit and capacity to repay requested loan
Render in - depth collateral reviews
Underwrites loan applications for completeness. Analyzes applicant’s financial status, credit and property evaluation to determine feasibility of granting the loan request
Ensured loan documents were accurate, complete and sufficient to clear all conditions for final approval within delegated authority
Liaison between banks, borrowers, and attorneys to obtain critical loan documentation
General military and security duties
Preparation of NAF annual Personnel Emolument, Overhead and Capital estimates for national budgetary approval
Preparation and payment of salaries and allowance of NAF Personnel through computerized system
General accounting duties, maintenance of books of accounts and preparation of Unit Cash Account