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Mortgage Underwriter Resume Samples
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0-5 years of experience
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%.
0-5 years of experience
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.
0-5 years of experience
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.
0-5 years of experience
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.
0-5 years of experience
- 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.
6-10 years of experience
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
0-5 years of experience
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.
0-5 years of experience
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%
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