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Junior Underwriter Resume Samples
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Candidate Info
years in workforce
year at this job
Real Estate
Business And Marketing
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
years in workforce
years at this job
Economics
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
years in workforce
year at this job
Business Administration And Marketing
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
years in workforce
years at this job
Marketing
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
years in workforce
years at this job
Accounting
Financial Management
Information Technology
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
years in workforce
months at this job
Mathematics
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
years in workforce
months at this job
Finance
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
years in workforce
years at this job
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
years in workforce
years at this job
Business Information Technology
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
years in workforce
years at this job
Business Administration
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
years in workforce
years at this job
Telecommunication
Junior Underwriter
Assisted in the start-up of an excess and surplus division within the existing company.
- Communicated the underwriting appetite for property and casualty business through various broker visits.
- Negotiated and bound casualty, property and package accounts for habitational, restaurant/bar, and hotel business.
- Developed a general knowledge of reinsurance.
Candidate Info
years in workforce
months at this job
Junior Underwriter
Responsible for underwriting residential mortgage loans to ensure compliance with bank, FHA/VA, and secondary market standards.
- Communicated with processors, originators, and other internal and external clients. Met performance standards and goals established by the bank.
- Responsible for various loan types including Conventional, FHA, VA, and Non-Conforming loans.
- Coordinated the loan closing process
Candidate Info
years in workforce
years at this job
Business Administration
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 Agreements.
- In collaboration with internal business partners ensured that business objectives were met and processes were streamlined.
Candidate Info
years in workforce
years at this job
Economics
Finance
Junior Underwriter
- Researched title issues and prepared loans according to lenders' guidelines to ensure an enforceable subordination agreement
- Evaluated loan applications under Fannie Mae and Freddie Mac underwriting standards, curtailing fraud and mitigating risk
- Analyzed property, income, credit and asset documentation using comparative ratios to determine the likelihood of repayment
- Employed critical thinking and strong communication skills to resolve complex issues that arise during the underwriting process
Candidate Info
years in workforce
years at this job
High School Diploma
Liberal Arts
Loan Processor/junior Underwriter
- Assisted 10+ loan officers in identifying and placing clients in appropriate loan programs through various lenders.
- Collected and reviewed loan applications and corresponding documentation.
- Reviewed title reports, appraisals, verified employment, income and references.
- Submitted complete loan packages to lenders to obtain final approval and scheduled closings.
- Provided an elevated customer experience generating loyal clientele.
Candidate Info
years in workforce
years at this job
Bachelor of Arts
Junior Underwriter
Decided to approve, decline, or pend all types of merchant processing accounts by analyzing credit reports, bank statements, business histories, Dun & Bradstreet reports, and other applicable information.
- Researched accounts on which losses were taken, by reviewing their history since being boarded. Analyzing potential causes, or aspects that were missed for future prevention.
- Compiled data on agent production, and detailed account decision statistics.
- Assisted in company wide initiative for paperless production.
Candidate Info
years in workforce
years at this job
Information Systems
Junior Underwriter
Process and prepare loans (Conventional, Purchase, and Refinance) under various loan programs in accordance with policies and procedures via DU and LP.
- Responsible for loan review which included credit analysis and examining and evaluating transitions to certain accuracy
- Identified and analyzed due diligence issues and mortgage portfolio risks prior to submission to underwriting
- Gathered and calculated income and assets to confirm debt-to-income ratios thoroughly before submission to underwriting
Candidate Info
years in workforce
years at this job
High School Diploma
Junior Underwriter/ SME
Reviewed income documents to guarantee they are complete and accurate
- Researched Tax Returns and credit reports to assess potential liabilities and/or discrepancies
- Calculated Debt-to-Income ratios and Net Present Value
- Facilitated the gathering and preparing of underwriting documents for pre- underwriting decision
- Received decision from Underwriting and QC review and processes according to approval or denial decision
- Accessed, analyzed and processed trial plan account documents detail, plan break(including missing documents and payment issues on loans and inform Underwriting of findings
- Coached and trained co-workers on reviewing documents.
- Reviewed and perfected files for co-workers before sending to Underwriting
Candidate Info
years in workforce
months at this job
Support Service Specialist/junior Underwriter Part-time
Gathered documentation such as RMA, 4506t, paystubs, tax returns, bank statements by locating them in Urban, Stewart and I-Portal.
- Ensured files met the minimum guidelines for a loan modification.
- Verified condition of approval which included validating the customer's income/assets and running the debt to income calculator.
- Updating customers accounts in AS400, Homesaver and Homebase.
- Documented loans and responded to investors, or other 3rd party inquiries.
- Reviewed all loan modification packages, including documents such as tax returns and income to ensure debt to income ratio accuracy.
Candidate Info
years in workforce
year at this job
Home Services Specialist Ii/junior Underwriter
Maintained Level I Signing Authority to approve loans and clear conditions on loans.
- Assessed income and asset documents, and verified applicant employment history.
- Reviewed appraisals, title commitments and insurance/flood coverage.
- Processed loans approved that were by Clues or Desktop Underwriting.
Candidate Info
years in workforce
years at this job
Education Of America
Junior Underwriter
Assisted other junior underwriters and underwriters in a team environment by accomplishing related results as needed.
- Pulled underwriting reports for review and verification of conditions.
- Analyzed areas of risk and hazard in property and liability insurance.
- Utilized functional knowledge and experience to assess risks.
- Serviced and maintained positive business relationships with assigned producers.
Candidate Info
years in workforce
years at this job
Business Administration
Master of Arts
Pricing Coordinator / Junior Underwriter
Responsible for executing daily rate sheets to wholesale brokers based on company profit parameters.
- Validated the accuracy of pricing on all rate locks and loan submissions.
- Coordinated rate lock change requests and ensured low cost solutions to rate lock extensions and expirations.
- Worked closely with account executives and brokers on loan scenarios for various programs prior to submission.
- Reviewed all loan conditions for compliance prior to underwriting resubmission.
- Gathered and reviewed all applicable closing documentation from attorneys and title companies to facilitate expeditious closings and funding's.
Candidate Info
years in workforce
years at this job
Junior Underwriter
Assisted underwriters in NonGSE-Hamp and Traditional modification review process.
- Stacked loans to make review of files more efficient for underwriters.
- Verified and validated supporting income, asset and liability documentation to support automated underwriting decision
- Issued initial disclosures within compliance, ran loan information through automated underwriting system.
- Order credit reports, reviewed submitted packages for completeness, calculated income, followed modification guidelines/ policies & procedures, reviewed final modification documents prior to closing.
- Assisted customers along the modification application process with question and concerns.
Candidate Info
years in workforce
years at this job
Bachelor of Arts
Junior Underwriter/ Mortgage Specialist
Processed FHA, VA, Jumbo, Emerging Markets, Non -conforming, Stream-line and Conventional loans.
- Reviewed and signed off on conditions and appraisals.
- Scheduled loans for closing and handled pre-closing activities.
- Responded to status calls and answered loan program questions.
- Pulled credit report, flood certificate, MIP, and 4506t.
- Interacted with underwriters, closers, pricing analyst, brokers, attorneys and loan officers.
Candidate Info
years in workforce
years at this job
Finance
Master of Arts
Junior Underwriter
- Audited files and conditioned for deficiencies based on internal and external guidelines
- Achieved turnaround time of 24 hours allowing loans to meet funding expiration date
- Achieved defect rate below 5 percent
- Communicated both in writing and orally with third party stakeholders and clients as needed
Candidate Info
years in workforce
years at this job
Marketing
High School Diploma
Associate of Arts
Junior Underwriter
Responsible for processing of mortgage loans applications approved by an Underwriter or an automated decisioning system.
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans.
- Responsible for but not limited to verifying conditions of approval which may include customer income/assets documentation.
- Resolve routine title issues including requesting and verification of same.
- Responsible for monitoring and maintaining assigned account, and being accountable for reducing a high volume caseload of assigned accounts.
- Maintain a high level of customer service by being proactive in communication with the customer relationship manager, and other internal customers, so ensuring the efficient and timely closing process of the mortgage application to the external customer's satisfaction.
Candidate Info
years in workforce
years at this job
Junior Underwriter
Underwrite Conventional loans by analyzing all sources of financial and credit data to make wise credit decisions.
- Analyzed and verify collateral and credit documentation according to Federal and State regulations
- Manage expected service levels related to decision and add or clear conditions accordingly.
- Ensure established loan policies, and regulatory requirements are within compliance to company guidelines.
- Focus towards daily quota of loan touches per day. Perform other loan completion duties as needed.
- Kept abreast of Federal National Mortgage Association (FNMA) and Federal Home Loan Mortgage Corporation (FHLMC) guidelines.
Candidate Info
years in workforce
years at this job
Communication
Junior Underwriter
Procure and validate all loan documentation submitted to satisfy loan conditions, such as credit, income and collateral information
- Partner with underwriters in requesting documentation and following up on items needed for complete loan approval
- Communicate status of loans including approvals or adverse action notifications to internal sales team, and outside broker clientele
- Provide outstanding customer service in a fast paced environment while managing a pipeline of 50+ loans per month
- Continue all training, classroom and on-the-job, to build extensive knowledge in FHA, VA, USDA, and conventional guidelines
- Responsible for daily reports and disclosing loans properly to ensure all loans are in compliance and within regulations
Candidate Info
years in workforce
years at this job
Bachelor of Business Administration
Leadership
Junior Underwriter
The leading mortgage lending company in 46 states grossing over 36 billion in lending in 2011
- Acts as a point-of-contact and correspondent between investor and internal sales team
- Reviews submitted documents to ensure each is completed in its entirety oriented
- Creates internal mortgage approvals based on initial document submission
- Performs due diligence checks with investor companies to ensure files are accurate
- Updates and clears outstanding conditions for internal approvals quickly and efficiently
- Conducts quantitative analysis of ratios to ensure files qualify for various loan programs
Candidate Info
years in workforce
years at this job
Accounting
Credit Manager / Senior Credit Analyst / Junior Underwriter
Assess 4 to 8 credits per month for commercial and business loans and ensure compliance with the bank's risk management and credit policy.
- Coach and develop the credit analyst team in sound cash flow analyses and good credit judgment to meet analytical performance goals.
- Supervise credit solution department's daily credit analyses and reporting of business and commercial financial data and performance.
- Assist lending personnel in reviewing existing commercial loan portfolios and in preparing loan review packages in accordance with bank's loan review schedule.
- Analyze and research financial statements, credit reports, debt ratios and loan to value information.
- Prepare financial forecasts of various customer business entities through the use of computer-based forecasting models and customized Excel worksheets.
- Train credit analyst personnel on new policies and procedures as were implemented by executive and senior management.
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