ASSOCIATE UNDERWRITER Resume Irving, TX - Hire IT People

SUMMARY

Results - oriented professional with over 10 years of distinguished service in the finance industry.
Earned a solid reputation for analyzing financial documents, and reporting financial risk.
Exemplifies knowledge of reviewing and resolving issues discovered while conducting audit/compliance processes.

TECHNICAL ACUMEN

Microsoft Office Applications (MS Word, Access, Excel, PowerPoint and Outlook) AS400, Calyx Point, SAP

AREAS OF EXPERTISE

Accounting and Finance
Credit Analysis and Reporting
Time Management and Prioritization
Risk Management Investor and Analyst Relations
Financial Compliance and Standards
Client Relations and Negotiation
Polished Communicator

PROFESSIONAL EXPERIENCE:

ASSOCIATE UNDERWRITER

Confidential, Irving, TX

Review commercial property applications for acceptability based on underwriting guidelines and appetite.
Price and prepare quotes for new and renewal business accounts.
Communicate with agents to obtain additional information; decline unacceptable accounts.
Use analytical and creative methods in underwriting processes to find workable solutions.
Build relationships with agents, reinsurers, and brokers through marketing initiatives.

LOAN UNDERWRITER

Confidential, Irving, TX

Utilize expanded credit signing authority within delegated limits.
Analyze credit data and financial documents to determine the risk involved in extending credit.
Responsible for clearing conditions and issuing changes to the terms on previously approved loans.
Discussed rates and loan program options with the loan officers.
Review property appraisal to ensure compliance with the bank and investor guidelines.
LOSS MITIGATION UNDERWRITER Franklin Bank, Houston, TX 2008
Contributed strategic insight to aid in reducing financial loss of bank owned loans and loans serviced for investors.
Worked collaboratively with borrowers in various stages of default regarding negotiation activities.
Performed credit risk analysis, evaluated collateral, and made decisions regarding deficiencies identified during the review.
Provided a complete audit of the borrower?s account, and informed them of opportunities to avoid default as well as alternatives to evade foreclosure.
LOAN UNDERWRITER Self-Employed, Houston, TX 2006?2008
Effectively ran automated underwriting systems DU/LP to generate conditional loan approvals.
Received documents from borrowers and proficiently reviewed them for accuracy, authenticity, and appropriate signatures to clear conditions.
Assessed credit reports, payment history, and income documentation to calculate applicable debt ratios, and determine creditworthiness.
Maintained direct involvement with multiple parties including loan officers, title companies, and appraisers to ensure closure of loans in an accurate and timely manner.

SENIOR LOAN PROCESSOR

Confidential, Houston, TX

Solely processed Federal Housing Administration (FHA), Veteran Affairs (VA), and conventional mortgage loans in adherence with regulatory requirements.
Assumed full accountability in closing 30 to 40 loans per month on the Calyx Point software system.
Requested the required supporting documents in the completion of key loan processing.
Completed loan applications, summaries of loan requests, and credit analysis for approval.

LOAN UNDERWRITER

Confidential,Houston, TX

Manually underwrote and approved 40-60 loans monthly for a three-year period.
Analyzed financial statements, tax returns, cash flows, and bank statements to render sound credit decision.
Performed credit risk analysis and appraisal review on conventional loan files.
Provided exemplary customer service to both internal staff and external customers by thoroughly explaining the credit decision, and offering alternative options when needed.

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Associate Underwriter Resume

Irving, TX

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