Mortgage Underwriter Resume Samples

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Mortgage Underwriters gather information from customers, evaluate their financial situations, and make recommendations to them concerning their applications for mortgage loan requests. Mortgage Underwriters also need to travel often to meet with clients in their homes. Skills exhibited on sample resumes of Mortgage Underwriters include examining loan documentation for accuracy and completeness, and working with loan originators or production staff in an effort to secure all required documents. Most Mortgage Underwriters have a high school diploma, though every applicant must show at least 20 hours of education, plus licensure, on their resumes.

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1

Senior Mortgage Underwriter

Analyzed and conditioned Conventional and FHA approved and manual underwritten mortgage loans. Completed detailed analysis of personal assets, income and liabilities for clients to secure an accurate decision to complete the loan process. Analyzed personal and business tax returns for income qualification for home mortgage loans. Underwrote purchase, new construction, manufacture homes and refinances mortgage loans. Filled in for mortgage underwriter manager when out of office.

  • Underwriter an average of over 65 initial loans per month, with an average over 10 loans review per day.
  • Top underwriter in the office with productivity and quality.
  • Helped underwriting manager develop daily underwriting workflow.
  • Developed and presented training calls for regional area to help improve turn times and customer service. Results from training calls increased the number of mortgage loans from application date to closing date within 30 days by over 15%.
Candidate Info
11
years in
workforce
5
years
at this job
BS
Business
2

Mortgage Underwriter

Credit Risk Underwriting of retail and high net worth clients for Citibank North America

  • Average 97% perfect audit rate at Citibank and 98% at Zenta
  • Maintaining a 125% productivity score YTD 2012 as measured against baseline underwriter productivity expectations
  • Credit risk audit and second reviews of completed files has increased overall audit scores to keep company in compliance with client contractual obligations.
Candidate Info
9
years in
workforce
2
years
at this job
3

Conventional First Mortgage Underwriter

Responsible for reviewing, analyzing and underwriting individual mortgage loan applications.

  • Reviewed credit reports to determine approval eligibility.
  • Determined qualifying income by analyzing tax returns of Sole Proprietorships, LLC's and S-Corps.
  • Analyzed pay stubs and W-2's for authenticity.
  • Calculated debt to income ratios from financial statements, determining eligibility for loan.
  • Evaluated overall loan documents for accuracy, completeness and compliance, ensuring loan was marketable.
Candidate Info
36
years in
workforce
1
year
at this job
Mortgage Loans, Consumer Loans And Savings Deposit Growth
4

Mortgage Underwriter

Led efforts to underwrite loans generated from mortgage broker placement on the internet.

  • Ensured compliance with corporate underwriting protocols.
  • Cultivated relationships with the broker community and sales representatives by providing timely updates on loan status.
  • Achieved a high level of internal/external customer satisfaction by delivering top-notch service and providing efficient turnaround.
  • Analyzed credit, capacity, cash, and collateral resulting in loan approval, denial, or counteroffer.
  • Attained high average scores on audited loans.
Candidate Info
11
years in
workforce
3
years
at this job
BS
Environmental Design
5

Retail Mortgage Underwriter III

  • Analyzed personal and business tax returns, property
  • Developed and conducted refinance training program for 16 retail mortgage underwriters and processors in 2009
  • Devised and implemented Custom DU training program for 13 retail mortgage processors in 2009 leading to decreased turn- around times and assisted in loan production exceeding $3
  • Researched and investigated suspicious information and activity using multiple internet and internal sources assisting in reduced losses.
  • $1.5 million loan approval authority.
Candidate Info
7
years in
workforce
3
years
at this job
BS
Bachelor of Science
6

Mortgage Processor and Conventional Mortgage Underwriter

Managed high volume pipeline with accuracy and speed for top producing loan officer

  • Awarded "Employee of the Quarter" for 2nd Quarter of 2002
  • Approved Forward Mortgage loans utilizing DU
  • Prepared and cleared loans within 30 days for closing; analyzed and cleared appraisals
  • Trained co-workers for processing positions
  • Proficient in TMO and Diamond software
  • Interacted with attorneys and appraisers and maintained excellent customer relations
Candidate Info
15
years in
workforce
8
years
at this job
BS
Elementary Education
7

Retail Mortgage Underwriter

Evaluated and managed risk to the bank for both conventional and FHA mortgage loans.

  • Achieved top level quality results on a monthly basis.
  • Reduced personal loan turn times to below 24 hours.
  • Completed FHA Direct Endorsement Authority Training for credit authority.
  • Trained new hires on all aspects of the position, ensuring consistency in underwriting methods throughout the site.
  • Proficient with multiple loan originations systems, assuring the fastest turn times for the customers.
Candidate Info
10
years in
workforce
2
years
at this job
BS
Marketing Management
8

Mortgage Underwriter

Complied and analyzed loan data with regards to any credit risk and associated with transaction

  • Performed underwriting for residential and construction loans, adhering to all product guidelines
  • Analyzed credit history, income documentation, loan packages, title reports and property appraisals
  • Delivered a consistent daily production of 4.0 loans within error ratio under 5%
Candidate Info
7
years in
workforce
1
month
at this job
Accounting

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