Loan Underwriter Resume Samples

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Loan Underwriters, also known as Loan Officers, make decisions on loan applications by evaluating whether or not the applicant has the legal capacity to enter into such a loan, as well as the financial resources to repay the loan and an agreeable credit history. Skills exhibited on sample resumes of Loan Underwriters include performing income, property, and credit analysis on loan files within an established time frame, and conducting timely reviews of initial decisions and resubmissions of existing loan files. Candidates applying to be a Loan Underwriter should have a minimum educational background of a bachelor's degree on their resumes.

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1

Consumer Loan Underwriter II

Responsible for evaluating income for Home Equity loans and lines up to $500,000

  • Participated in multiple projects to pilot new and improved processes within the Home Equity Group
  • Advanced cash-flow analysis of Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts
  • Maintained 100% quality in 2014 year to date and above 98% in 2013 while exceeding 100% in production standards among peers
  • Received Superior Achievement Award in 4th quarter of 2013
Candidate Info
5
years in
workforce
2
years
at this job
BS
Finance And Business Management
2

Consumer Loan Underwriter III

Acted as a Conventional and DE Mortgage Underwriter on a top performing team.

  • Recruited to join a brand new Underwriting Center in South Florida
  • Assisted team members as a Subject Matter Expert for CORE operating system, a proprietary paperless system that is known to be the most complex in the Industry
  • Achieved 100% quality with no audit findings from Quality Control
  • Served as the Community Service Campaign Coordinator for United Way Fundraising and arranged other Volunteer opportunities for the Office
  • Office is in the process of being closed as part of large Wells Fargo layoff
Candidate Info
21
years in
workforce
2
years
at this job
BA
Health Psychology / Pre-med And Minor
3

End Loan Underwriter, Level 3a

Independently managed a pipeline of 50+ loans.

  • Ensured compliance amidst continuously changing underwriting
  • Maintained loan defect rate of less than 1%.
  • Achieved sign off authority for Fannie Mae conforming loans as well as non-conforming jumbo loans.
  • Collaborated with Loan Processor teams to effectively communicate
  • Assisted in the training of junior underwriters.
Candidate Info
6
years in
workforce
3
years
at this job
BS
Finance
4

Mortgage Loan Underwriter

Was responsible for the timely review and disposition of conforming mortgage loan applications. Worked within company guidelines to make calculations for qualifying and administered decisions using proprietary Wells Fargo loan origination systems. Responsibilities included maintaining a working knowledge of all conventional conforming and HARP loan origination guidelines.

  • Stayed in the highest tier of customer loyalty scores by maintaining top-notch turn times
  • Consistently met or exceeded company requirements relating to quality audits
  • Improved department efficiency by developing spreadsheets that managed all aspects of the loan review and limited data validation errors
Candidate Info
11
years in
workforce
3
years
at this job
Business
5

Loan Underwriter

  • Underwrote and processed more than 350 mortgages and other secured loans for a private bank, which resulted in lending over $400 million
  • Specialized in underwriting jumbo mortgages of up to $10 million for high net worth and complex clients
  • Evaluated financial strength of individuals and businesses by analyzing financial statements and other credit documents
  • Prepared detailed reports to present analysis of client creditworthiness to the Bank’s credit committee
  • Effectively managed pipeline of over 60 loans to meet strict deadlines while personally guiding clients through the underwriting process and providing recommendations to Relationship Managers
  • Selected as the only employee on the East Coast with authority to underwrite confidential loans for co-workers
  • Trained new and current employees on a weekly basis
Candidate Info
9
years in
workforce
3
years
at this job
BA
Economics
6

Consumer Loan Underwriter II

Advanced income analysis including experience in reviewing Self-employment, Corporate, and Partnerships tax returns.

  • Leveraged strong interpersonal skills to successfully build and maintain professional relationships with clients, customers, and co-workers.
  • Developed reputation among peers as SME for team on policy and procedures.
  • Known among colleagues for high degree of attention to detail and for communication skills.
  • Condensed all spreadsheets related to conditioning into one and provided it to colleagues.
Candidate Info
15
years in
workforce
2
years
at this job
BS
Bachelor of Science
MA
Master of Arts
7

Consumer Loan Underwriter III

Reviewed, analyzed and approved large, complex consumer requests and products in a fast-paced and high volume environment by evaluating the layering of risk within company and industry guidelines.

  • Maintained multiple levels of authority in aggregate of $750,000.
  • Achieved the highest levels of 100% CMP quality reviews.
  • Subject matter expert on compliant customer notes and trained coworkers.
  • Top quality score award second quarter 2013.
  • Lending authority obtained prior to time allowed.
  • SAFE Certified.
Candidate Info
23
years in
workforce
1
year
at this job
8

CONSUMER LOAN UNDERWRITER III - Private Mortgage Banking

Performed credit, income, asset analysis on Conventional Conforming and High Balance loan files submitted within time frame established by department management

  • Reviewed and ensured documentations were consistent and upheld to company and industry guidelines
  • Performed in-depth analysis of personal income tax and business tax returns on self-employed borrowers and multiple financed investment properties
  • Provided customer service to internal staff and bankers by explaining credit decisions, and offering alternative options when needed to complete approvals
  • Processed Agency/Investor exception requests as needed to ensure a sellable loan package
  • Received QC Award for achieving 100% quality reviewer
  • Worked collaboratively with Lending Officer and Bankers on loan approvals while maintained quality and production standards as defined by business
Candidate Info
10
years in
workforce
2
years
at this job
BS
Business Administration
9

CONSUMER LOAN UNDERWRITER III - Private Mortgage Banking

Performed credit, income, asset analysis on Conventional Conforming and High Balance loan files submitted within time frame established by department management

  • Reviewed and ensured documentations were consistent and upheld to company and industry guidelines
  • Performed in-depth analysis of personal income tax and business tax returns on self-employed borrowers and multiple financed investment properties
  • Provided customer service to internal staff and bankers by explaining credit decisions, and offering alternative options when needed to complete approvals
  • Processed Agency/Investor exception requests as needed to ensure a sellable loan package
  • Received QC Award for achieving 100% quality reviewer
  • Worked collaboratively with Lending Officer and Bankers on loan approvals while maintained quality and production standards as defined by business
Candidate Info
10
years in
workforce
2
years
at this job
BS
Business Administration
10

Consumer Loan Underwriter II

Reviewed financial statements, credit reports and applicable qualifying ratios (i.e. Debt Ratios, Loan to value)

  • Examined transactions and applications to ensure accuracy and completeness
  • Verified documents are consistent and uphold the company and investor guidelines
  • Completed second level reviews and sign offs for 1c underwriters with complex income reviews
  • Accomplished a 98% acceptable rating in audited files since being hired in March, 2012
  • Obtained 3c authority within first year of being hired due to high production, quality and customer loyalty scores
  • Measured risks and manually underwrote mortgage applications to ensure quality decisions for my employer
  • Analyzed appraisals to ensure file accuracy and verify property details
Candidate Info
5
years in
workforce
3
years
at this job
AA
Associate of Arts
BA
Business Administration

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