Junior Underwriter Resume Samples

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Junior Underwriters are entry-level employees deciding if applications for insurance cover can be accepted. Based on our selection of example resumes, essential duties of a Junior Underwriter are checking insurance proposals, analyzing background information, establishing the amount that should be paid for insurance, preparing quotes, negotiating terms with policyholders, and updating records. Successful resume samples for Junior Underwriter showcase assets such as analytical thinking, negotiation, persuasion, decision-making, numeracy, problem-solving, and deadline orientation. Most Junior Underwriters hold a Bachelor’s Degree and are trained in economics, management, or business.

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1

Junior Underwriter/analyst

Consistently met and exceeded production goals of 75 booked loans, 54% booked units, and averaged 3 or higher out of 5 on monthly audits/score cards, maximizing loans being made.

  • Reviewed credit reports, income statements, leasing agreements and purchasing agreements, enabling sound loan decisions to be made.
  • Developed and maintained relationships with new and existing clients, leading to repeat and referral business.
  • Determined degree of risk and decision loans based on company and investor criteria, making solid loan decisions.
  • Earned Certificate of Achievement for Basic Sales 2003.
Candidate Info
8
years in
workforce
1
year
at this job
C
Real Estate
Business And Marketing
2

Junior Underwriter

Nationwide servicer and lender. Servicing portfolio of over 330,000 residential loans.

  • Reviewed over 1100 loans for Making Home Affordable Program in 42 days.
  • Assisted in closing over 1800 loan modifications in 1 month.
  • Analyzed 100 loan modification documents for accuracy per month.
  • Obtained and calculated housing to income ratios and assured completeness on files for final underwriting approvals.
Candidate Info
14
years in
workforce
5
years
at this job
BA
Economics
3

Junior Underwriter

Worked with processors and loan officers with processing and underwriting of mortgage loans-analyze income credit and property information and make determinations of loan acceptability according to lender guidelines.

  • Audited loans within portfolio to prevent loss, as well as determine the next course of action and reviewed and processed potential loss alerts.
  • Provided analysis to senior management regarding potential sales of REO assets.
  • Worked closely with customers and provided credit counseling and advice to improve credit scores. Developed and maintained strong working relationships with Attorneys.
Candidate Info
9
years in
workforce
1
year
at this job
Business Administration And Marketing
4

Loan Account Manager / Junior Underwriter

Served in a multifaceted capacity, providing support for several Account Executives and their clients during the loan process

  • Answered inquiries from loan officers and processors regarding specific loan conditions, new loan scenarios and underwriting guidelines
  • Authorized to clear credit, income and asset conditions in a manual underwriting environment
  • Entered all loan data into the automated system, organized loan conditions in each file and provided accurate rate quotes and lock requests a timely manner
  • Selected by the Executive Team to be a member of the First Franklin Advisory Council in 2003
Candidate Info
3
years in
workforce
3
years
at this job
BS
Marketing
5

Junior Underwriter

Displayed expert knowledge of field concepts, practices and procedures.

  • Gather and evaluate credit for FHA/VA mortgage loans.
  • Gather information, processed and completed loan files.
  • Managed time-lines and accomplished goals.
  • Successfully processed and maintained a pipeline of 40 or more FHA/VA and Conventional loan. (Freddie)
Candidate Info
3
years in
workforce
2
years
at this job
MA
Accounting
Information Technology
Financial Management
6

Junior Underwriter

Performed comprehensive financial analysis and risk assessment for pre-approval on all loan applications

  • Conducted thorough background research into applicants' business credit, company performance, profit margins, and industry reputation
  • Analyzed and forecasted loan repayment issues and potential payback conflicts
  • Modified loan amounts and agreement terms on a case by case basis
  • Created templates to streamline the underwriting process and mentored new hires on pre-approval strategies
Candidate Info
6
years in
workforce
8
months
at this job
BA
Mathematics
7

Junior Underwriter

Underwrote conventional and HARP loans in compliance with company and investors guidelines.

  • Used Fannie Mae and Freddie Mac guidelines, using LP and DU.
  • Analyzed financial documents and made approval decisions based on findings.
  • Reviewed titles and appraisals, assisted senior underwriters in clearing conditions in a timely manner.
Candidate Info
21
years in
workforce
6
months
at this job
BA
Finance
8

Junior Underwriter

Fully processed and underwrote assigned loans up to $1.5 million according to company and the investor's guidelines (Fannie Mae and Freddie Mac, used DU and LP)

  • Reviewed conditions submitted within current team turn times and communicate any status and/or issues with the broker
  • Helped to support and assist junior processors with questions on procedures and guidelines-also assisted as backup when workload exceeded capacity
  • Was the contact person for the contract underwriting company for questions or support on issues
Candidate Info
3
years in
workforce
2
years
at this job
9

Junior Underwriter

Closed an average of 70-100 units totaling $13 million to $20 million in funding per month

  • Functioned as liaison between underwriting, sales staff, loan officers and processors regarding the status of loans, compliance regulations and conditions
  • Trained new underwriting coordinators and junior underwriters
  • Analyzed incoming information relevant to completing underwriting and closing stipulations
  • Supported underwriters in clearing conditions effective and efficiently for current guidelines for loan programs, post-closing conditions, etc.
  • Ensured all loans meet HMDA, RESPA, Reg Z and pass fraud requirements
  • Obtained any additional information needed from investor in order to sell loans
  • Prepared incoming loans for underwriting preparation, Good Faith and Reg Z regulation for pre-approvals
  • Assisted the closing department in document preparation and funding as needed
Candidate Info
11
years in
workforce
6
years
at this job
AS
Business Information Technology
10

Junior Underwriter

Complied with company and investor guidelines to ensure the credit eligibility and worthiness of each loan applicant

  • Reviewed financial statements, taxes, paystubs/other income documents, credit reports, appraisals, title commitments, bank statements and other supporting documentation to determine acceptability of applications.
  • Approved applications within Service Level Objectives.
  • In collaboration with internal business partners ensured that business objectives were met and processes were streamlined.
Candidate Info
11
years in
workforce
3
years
at this job
HS
Business Administration

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