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Credit Underwriter Resume Samples
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0-5 years of experience
Negotiated and structured loan request from dealers to achieve loan production goals
- Maintained a $15 million dollar profitable portfolio
- Managed delinquency and losses below 5% each month
- Increased volume 10% annually by building relationships within an assigned dealer base
- Coached and mentored new underwriters
- Recognized as a million dollar producer for meeting monthly volume goals
0-5 years of experience
Analyzed and serviced secured and unsecured consumer loan products by utilizing judgmental credit skills to minimize credit risk.
- Averaged 30 loan requests daily and exceeded daily goal requirements by 50%.
- Maintained and developed branch relationships through extensive phone contact and annual branch visits, developed effective communication within the bank.
- Managed and trained up to 10 people in judgmental analysis and customer service skills, developed effective training measures for new credit underwriters.
0-5 years of experience
Underwrote 30 – 40 conventional and FHA loans per month with signing authority up to $500K. Adhered to strict banking regulations in document analysis and determination of creditworthiness on consumer credit lending.
- Consistently Exceeded Performance Goals: Completed 30-40 loans per month against average of 25-30.
- Achieved 98% Average on Audit Performance, exceeding company average of 92%.
- Provided Detailed Document Review & Analysis: Calculated net income, reviewed credit reports, and conducted analyses on Debt-to-Income and Housing-to-Income ratios; evaluated the financial strength of borrowers to determine risk and repayment capacity.
- Cross-Functional Communications: Demonstrated excellent follow-through with HOSS Agents (Homeowner Support Services), Closers, Bookers, and borrowers to ensure accurate and timely completion of lending process.
0-5 years of experience
Underwrite participations in midstream energy and oilfield services syndications.
- Evaluated financial statements and projections with stress tests to determine risks of extending credit to prospects.
- Managed credit quality and profitability for midstream energy and oilfield services portfolio totaling over $4B.
- Maintained excellent credit quality through no defaults on covenant compliance or past due documentation.
- Selected as lead underwriter for non-profit clients.
- Trained new underwriters and senior underwriter for organization to increase productivity and minimize time required to integrate new hires into role.
0-5 years of experience
Supported credit analysis, financial statement analysis, credit review, and client relationships for the Public, Institutional, and Not-For-Profit clients of [company name] within the Birmingham Commercial Banking Group. Developed loan analysis for facilities up to $12 million in total exposure.
- Analyzed client financial statements and calculated financial ratios in Excel to determine their repayment ability.
- Audited client files and examined credit history twice annually to develop a credit rating analysis.
- Collected financial statements, annual reports, signed promissory notes, and loan approvals to maintain updated credit and paralender files.
- Solicited feedback from the client to assess their satisfaction with the lending relationship and alert the Relationship Manager of the client’s requests and concerns.
- Completed the 2007 Management Associate Training Program and two INROADS/Birmingham Internships with AmSouth/Regions in 2004 and 2005.
0-5 years of experience
Prepared credit recommendations for loans from $150M to $7MM for SBA Small Business Lending.
- Exceeded required production goals each quarter with turnaround time less than average for department.
- Trained and mentored newly-hired underwriters.
- Utilized credit analysis skills to determine cash flow ability; assign risk ratings to loans; and approve loans consistent with governmental criteria. Recommended counter-offers when cash flow was weak and negotiated collateral.
- Reviewed over $60 billion in loan volume in 2007 and over $14.6 billion year to date 2008.
0-5 years of experience
Underwriting loans of solicited FNMA and FHLMC borrowers currently affiliated with Citi for streamline refinances
- Capable of making credit decisions for loan approvals, loan declines, or counteroffers by strictly adhering to guides set forth by DE, CMI, Credit Authorities Policy, and FNMA and FHLMC programs
- Work closely with the processing and closing teams to perform timely review of conditions submitted and requested loan amount changes as required
- Trained on income, assets, and collateral review
- Achieved outstanding underwriting results and won recognition as Top Producer in May 2013
0-5 years of experience
Commercial credit underwriter for [company name]. Responsibilities included portfolio management, preparing complex formal written commercial credit underwriting, risk analysis, and loan documentation.
- Managed a $50 million commercial credit portfolio.
- Approved credits up to $100,000.
- Prepared complex formal written credit underwriting for commercial credit facilities up to $5 million, including analysis of financial statements, cash flow, forecasts, industry trends, collateral adequacy, and risk analysis ensuring compliance with policy and approval documents.
- Performed due diligence, regulatory compliance, loan documentation, collateral perfection, and audit preparation.
- Assisted training other analysts.
0-5 years of experience
Underwrote credit facilities for multi-unit operators primarily in franchised restaurant and energy sectors.
- Completed industry and concept reviews to determine targeted portfolio exposure.
- Contributed significantly to team growth from inception to annual volume of $400 Million.
- Directed documentation specialists and coordinated closings with clients and attorneys.
- Led and participated in due diligence teams in credit review of portfolio/company acquisitions.
0-5 years of experience
Processed residential loan applications from initial applications to closing
- Served as advisor and answer general underwriting questions for loan processors and originators
- Reviewed borrower’s loan applications to insure completeness of data, verified information listed on applications and obtained additional documents required for sale of loans to secondary market
- Communicated with borrowers, attorneys, brokers, and senior underwriter
- Achieved outstanding underwriting results and won recognition reward in June 2008
- Provided a superior level of customer service to broker
0-5 years of experience
Underwrote mortgage loans while adhering to bank portfolio guidelines and independently concluded on the decision to approve or deny applications.
- Independently developed a home loan portfolio while maintaining a low default rate.
- Analyzed consumer credit reports, income, and asset documentation to make an educated decision for release of high dollar loan amounts.
- Manually underwrote portfolio loans using internally based guidelines.
- Designed, developed, and delivered guideline training programs for sales staff on a monthly basis.
6-10 years of experience
In-depth review of personal and business credit reports, tax returns, and financial statements using both manual and automated underwriting processes
- Performed in-depth financial analysis for credit applications of new and existing relationships with exposures >$250M in addition to high credit risks
- Trained a small team of 10 processors on policies, procedures, and how to properly review/submit new applications
- Served on special projects pertaining to new systems being implemented for business work flow
- Reviewed all loan documents pertaining to each application i.e. tax returns, paycheck stubs, property appraisals, and tax appraisals
0-5 years of experience
Reviewed auto loan applications and render appropriate credit decisions for a fast growing (18% increase month over month in funded contracts), nationwide auto finance company
- Verified and analyzed customer credit application and credit bureau information
- Developed and maintain business relationships with automobile dealers
- Analyzed financial and income tax data
- Evaluated and priced the degree of financial risk of customer, vehicle, and loan structure
- Conducted sales training for underwriting team
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
