Mortgage Underwriter Resume Samples

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B Bauch

Bryon

Bauch

936 Dwight Viaduct

San Francisco

+1 (555) 718 7166

936 Dwight Viaduct

San Francisco

Phone

p +1 (555) 718 7166

Experience Experience

Dallas, TX

Mortgage Underwriter

Dallas, TX

Daniel, Schuppe and Wuckert

Dallas, TX

Mortgage Underwriter

Professional development - SunTrust University, an in-house career growth and employee development program
Establish and maintain a direct relationship with the business areas on lending propositions in order to provide structured, consistent and tailored advice
Assist management to clear conditions and expedite loan closings
Assists in the development of policy, procedure, process flows and integration of new clients
Time away from work – vacations and holidays
Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages
Work with primary vendors to obtain consistent 24 hours or less turn times

Boston, MA

Residential Mortgage Underwriter

Boston, MA

Zulauf-Mraz

Boston, MA

Residential Mortgage Underwriter

Establish strong relationships with business partners (ie. Sales force, Risk Management, Contact Centers and Fullfillment teams etc.)
Manages assigned pipeline; Disposition loans within 24-48 hours of receipt and timely resolves conditions
Informs processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions
Work in collaboration with the team to ensure SLA targets are met
Participates in special projects and assignments and performs other duties as assigned
Orients, trains, assists and mentor more junior level Underwriters
Manage pricing exceptions on complex transaction

present

Houston, TX

Senior Mortgage Underwriter

Houston, TX

Swaniawski-Hamill

present

Houston, TX

Senior Mortgage Underwriter

present

Provide ongoing support and guidance to the Business Development Managers
May work on more complex projects with assistance and oversight of managers
Develop and maintain positive working relationship with co-workers, internal and external clients/business partners and vendors
Assist management to clear conditions and expedited loan closings
Prepare and regularly review my annual goals and career development plan with my manager/supervisor
Conduct proactive and effective pipeline management in accordance with performance standard expectations
Performs other responsibilities and as directed by management

Education Education

Bachelor’s Degree in Attention

Kaplan University

Bachelor’s Degree in Attention

Skills Skills

Ability to review Condo/PUD projects to ensure they meet salable or non warrantable guidelines
Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
Strong knowledge of unique property vesting i.e. trusts and LLCs
Basic knowledge of mortgage credit processing and underwriting
Proven ability to perform quality work while maintaining productivity and compliance standards
Excellent attention to detail
Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff
Very good knowledge of mortgage credit processing and underwriting
Basic working knowledge of Microsoft Office software
Strong knowledge of the Harland Data Entry & Decision Pro System

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15 Mortgage Underwriter resume templates

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Mortgage Underwriter Resume Examples & Samples

Incumbents will typically possess 4 or more years of mortgage loan underwriting experience and be responsible for mortgage loans of complex nature including conventional, FHA and VA, bond/housing authority, and non-conforming loans
Possesses Bachelors Degree or comparable experience
Prefer up to 4 years of credit analysis experience

Senior Mortgage Underwriter Resume Examples & Samples

Continuous evolution toward a paperless mortgage loan process
Minimum of a high school diploma plus four years proven and progressive mortgage lending operations experience or equivalent, including mortgage loan underwriting. A Bachelor's degree plus four years proven and progressive mortgage lending operations experience or equivalent, including mortgage loan underwriting, is preferred
Proven communications, organizational, decision-making and analytical skills
Ability to adapt swiftly to ongoing business evolution, as driven by regulatory agencies, economic indicators or internal business directive

Mortgage Underwriter Resume Examples & Samples

3+ years of Underwriting experience
Bachelor's Degree in related field
Knowledge of secondary market and desktop underwriter
Understanding of state and federal lending regulations
National Mortgage Licensing Registry

Mortgage Underwriter Resume Examples & Samples

Associate's degree, or equivalent work experience
One to three years of mortgage-related experience
Basic understanding of factors affecting real estate values and credit analysis
Proficient computer skills
Experience with VA loans preferred
FHA Mortgage Credit Examiner certification preferred

Mortgage Underwriter Resume Examples & Samples

Five or more years of mortgage underwriting experience, including FHA, VA and HUD loans
FHA Direct Endorsement Underwriting designation
VA Staff Appraisal Reviewer (SAR) designation
Advanced understanding of factors affecting real estate values and credit analysis

Residential Mortgage Underwriter Resume Examples & Samples

Utilizes Fannie Mae’s Desktop Underwriter to determine loan eligibility for sale to Fannie Mae
Ensures all file documentation requirements are met for Fannie Mae eligible loans
Bachelor's Degree in Business Administration or related area preferred
Four to five years of experience in conventional mortgage credit processing and underwriting
Three years of actual appraisal experience or formalized training from Institute classes (MAI) Society of Real Estate appraisals and/or MBA classes and/or OJT underwriting
Complete knowledge of mortgage credit processing and underwriting
Complete knowledge of loan documents and real estate terminology, FHLMC/FHA/VA.FNMA guidelines and portfolio lending practices, and State and Federal agency policies and procedures
Knowledge of Bank’s lending policies and procedures

Junior Mortgage Underwriter Resume Examples & Samples

Review loan submissions for completeness and compliance with New Penn's program parameters, including but not limited to the 1003, credit report, income and asset documentation, purchase agreement, title report, etc
Calculate borrower's income and debt-to-income ratios based on acceptable NPF and agencies practices
Communicate with brokers and AEs on loan deficiencies and work to cure those deficiencies
Run, read and interpret Automated Underwriting Decision results in both Desktop Underwriter and Loan Prospector
Maintain and cultivate an effective working rlationship with internal and external customers
Minimum 2 years of mortgage lending experience, preferably with emphasis of underwriting and credit analysis
Professional written, verbal and interpersonal skills
Proficient running, reading and interpretting DU/LP recommendations
Great organizational skills

Mortgage Underwriter Resume Examples & Samples

Act as a liaison between the client and underwriting
Evaluate mortgage applications
Provide quality loans for the company by underwriting and evaluating residential mortgage applications
Minimum 4 years of underwriting experience
DE or SAR certifications is required
Must have previous experience underwriting FHA or VA loans
Strong processing background required

Mortgage Underwriter Resume Examples & Samples

Effective business communication skills(both oral and written)
Computer literate: experience using all Microsoft Office Applications
Experience with Ellie Mae Encompass LOS

Mortgage Underwriter Resume Examples & Samples

2 Submits loan applications to AUS and validate findings to ensure internal and investor guidelines (FNMA, FHLMC and FHA) are met
3 Analyzes collateral appraisals to determine value is supported
4 Reviews documentation for compliance with internal and regulatory guidelines
5 Ensures all third party resources are reviewed to validate critical risk components of the mortgage credit file. Reviews AVM, IRS tax transcripts and any other third party resource utilized to validate accuracy of data in the mortgage credit file
6 Supports, enhances, and helps lead within our MB Financial Bank culture and role models within cultural pillars
7 Performs additional responsibilities as needed

Mortgage Underwriter Resume Examples & Samples

Bachelor’s degree required
Minimum 10 years experience in a mortgage banking company, ideally in a private banking, relationship-focused environment
Minimum 5 years experience in jumbo underwriting to investor guidelines required
Complete knowledge of FNMA/FHLMC guidelines
General knowledge and exposure to funding and loan documentation is helpful but not required
Strong knowledge of state and federal lending regulations (i.e., Respa, Reg Z, Reg B, ECOA, state fair lending)
Working knowledge of personal computers, including experience with Microsoft
Word/Excel and Outlook as well as some form of industry standard mortgage software
Ability to communicate effectively in both verbal and written form
Strong time management skills to plan and organize a high daily loan volume
Strong ability to be very detail oriented
Must be a team player and work constructively with their fellow colleagues
Represents basic qualifications for the position. To be considered for this position you must at least meet the basic qualifications
LI-MM1

Mortgage Underwriter Resume Examples & Samples

Management of pipeline turn times keeping within the Company’s Service Level Agreements
Must be self-motivated, have the ability to self-train & research, be able to keep on top of program and guideline changes & updates. Must have a sense of urgency
Performs income analysis for salaried and complex self-employed applicants
Reviews files upfront for initial credit decision based on program guidelines, Ensures all conditions have been met prior to final approval
Communicates with all Sales Partners on a daily basis. Calling out all Declines and Counter offers. Followed up by an email and putting notes in file of the communication
Answers and respond to emails and calls within a timely, professional and efficient manner
Grade 18 must have 3-5 years Knowledge of home equity, conventional or government underwriting
Grade 20 must have 5+ years conventional and government underwriting knowledge

Mortgage Underwriter Resume Examples & Samples

1+ year of Underwriting experience
Associate's Degree or higher in a related field
Knowledge of Fannie Mae & Freddie Mac guidelines for loss mitigation underwriting
Knowledge of State and Federal Lending Regulations and HAMP guidelines
Solid analytical skills
Exceptional time management and problem solving skills

Mortgage Underwriter Resume Examples & Samples

Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
Judgment and Decision Making — Considering the relative costs and benefits of potential actions to choose the most appropriate one
Complex Problem Solving — Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions

Senior Mortgage Underwriter Resume Examples & Samples

Assist in creating and maintaining underwriting guidelines. Participate in internal credit policy discussions and provide clear feedback on credit policy recommendations and decisions
Completes special projects and reviews, as directed, to enhance and improve the overall analysis of the Bank’s loan portfolio
Performs other responsibilities and as directed by management
Bachelor’s degree preferred, or equivalent experience in business, finance or accounting
Minimum seven (7) years current experience in mortgage banking/underwriting desired
Solid skill set in the use of Microsoft Office Suites
Experience with loan applications (i.e. LaserPro, ITI, etc.) preferred
Strong understanding of mortgage collateral and documentation and application of underwriting techniques
Ability to create and revise policies and procedures
Strong interpersonal skills including the ability to write letters, reports and other correspondence,
Ability to speak effectively with customers and lenders
Proven ability to problem solve, prioritize tasks and meet required deadlines
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form

Retail Mortgage Underwriter Resume Examples & Samples

Minimum 4 years of residential loan underwriting experience
College diploma preferred
Excellent Customer Service skills

Wholesale Mortgage Underwriter Resume Examples & Samples

Approve or reject residential loans within prescribed authority
Analyze borrower’s credit profile, collateral and capacity to repay the proposed mortgage obligation
Ensure loans meet New Penn, agency and government guidelines
Accurately calculate borrower’s income and debt-to-income ratios based on acceptable New Penn and agency practices
Document lending decisions and complete required screens in the loan origination system that include accurate completion of the 1008 as well as adding and/or creating applicable conditions on the loan approval
Run, read and interpret automated underwriting decision results from both Desktop Underwriter and Loan Prospector
Review conditions submitted on loans and sign off on conditions where appropriate
Keep informed of current and acceptable practices
Communicate loans decisions to clients/internal departments in a timely fashion and ensure compliance deadlines are met with regards to pre-disclosures, approval letters, denial notices, and counteroffers
Work closely with processing and/or account management to answer specific loan questions, to answer specific conditions or documentation requested and to resolve problems
Prioritize work queue to ensure service level agreements are met
Consistently meet or exceed established minimum productivity and quality goals
Provide quality control responses in a timely manner
Act as a role model of the company’s values, acting in an ethical and professional manner at all times

Mortgage Underwriter Resume Examples & Samples

Analyze credit reports, income documentation, assets, liabilities, property appraisals and title reports to insure loans meet company standards for sale into secondary market
Review the loan application package using verified data in the loan submission package
Minimum two years of underwriting experience – Conventional FHA, VA
Familiar with MS Word and MS Excel

Residential Mortgage Underwriter Resume Examples & Samples

Support business growth while respecting risk management and risk appetite
Underwrite complex residential mortgage applications nationally across Canada
Adjudicate applications based on established risk appetite within delegated lending limits
Review and interpret information presented. Investigate and address discrepancies, and contact the sales force directly to verify any inconsistent information
Restructure mortgage applications as required in accordance to underwriting guidelines
Manage pricing exceptions on complex transaction
Review all supporting documents and mitigate potential risks as identified
Work in collaboration with the team to ensure SLA targets are met
Maintain consistent, objective and sound risk assessments in a high volume and service oriented environment
Maintain industry knowledge, competition and market trends
Establish strong relationships with business partners (ie. Sales force, Risk Management, Contact Centers and Fullfillment teams etc.)
Takes ownership to resolve escalated client issues with professionalism in a fast pace environment
Takes a lead role in identifying new market trends, policy gaps, and recommendation for process enhancements which will lead to improved efficiency and effectiveness for the team

Mortgage Underwriter Resume Examples & Samples

Performs pre-closing analysis on borrower’s employment profile, credit strength, financial documentation and all other information pertinent to the credit decision on each mortgage application
Submits loan applications to AUS and validate findings to ensure internal and investor guidelines (FNMA, FHLMC and FHA) are met
Analyzes collateral appraisals to determine value is supported
Reviews documentation for compliance with internal and regulatory guidelines
Supports, enhances, and helps lead within our culture and role models within cultural pillars

Senior Mortgage Underwriter Resume Examples & Samples

Underwrites loan files for designated processing center through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames as determined by management Assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting. Reviews self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income
Provides written letters of commitment for each loan decision detailing required documentation, loan interest rate, as well as the fees and mortgage amount approved
Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and Condominium Associations Seeks formal legal opinions if needed
Bachelor’s Degree in Bachelor’s degree in Business Administration or related area or equivalent combination of education and experience
Six to seven years of experience in the banking/financial industry
Five to seven years of experience in conventional mortgage credit processing and underwriting
Good knowledge of bank systems preferred

Cres Mortgage Underwriter Resume Examples & Samples

Works with the loan originators and processors to create solutions for problems that arise during processing
Reviews and corrects potential problems in loan processing files (credit history, nonconforming appraisals, files not adhering to guidelines, etc.)
Bachelor’s Degree in Business Administration or related area or equivalent combination of education & experience

Mortgage Underwriter Resume Examples & Samples

Direct Endorsement (DE) preferred
Familiarity with Secondary Market requirements
Thorough understanding of credit and an ability to review complex financial documents

Senior Mortgage Underwriter Resume Examples & Samples

Must have excellent problem solving skills
Ability to make credit recommendations
Commitment to teamwork

Mortgage Underwriter Resume Examples & Samples

Previous experience preparing mortgage closing documents and or processing mortgage loans or related experience
Knowledge and understanding of title commitments
Strong computer skills
Basic working knowledge of Microsoft Office software
Working knowledge of mortgage documents and an understanding of the mortgage life cycle $
Title and/or real estate closing experience
Knowledge of UCCs

Senior Mortgage Underwriter Resume Examples & Samples

Mortgage Operations is primarily housed in one centralized location where most employees work on-site, in an office environment with flexible work shift options
The position interacts with external customers, outside vendors and other departments and the Bank to facilitate the mortgage lending process
This position processes mortgage loans for properties throughout the United States
Contingency work plans do exist and employees may be necessitated to follow these plans
Continuous evolution toward a paperless mortgage loan process. Management of Risk Analyze a full range of credit, collateral and legal documentation to ensure collateral supports Companys overall risk
Ensure the Companys security interest in the mortgage is protected
Minimum of a high school diploma plus four years proven and progressive mortgage lending operations experience or equivalent, including mortgage loan underwriting
A Bachelor's degree plus four years proven and progressive mortgage lending operations experience or equivalent, including mortgage loan underwriting, is preferred
Hours: Monday -Friday, 11:00am -8:00pm

Lead Senior Mortgage Underwriter Resume Examples & Samples

Mortgage Operations is primarily housed in one centralized location where most employees work on-site, in an office environment with flexible work shift options. The position interacts with external customers, outside vendors and other departments and the Bank to facilitate the mortgage lending process. This position processes mortgage loans for properties throughout the United States. Contingency work plans do exist and employees may be necessitated to follow these plans
Minimum of two years proven mortgage banking managerial experience or a minimum of six years proven and progressive mortgage underwriting experience is preferred
Knowledge of regulations and guidelines impacting Mortgage processing, closing and underwriting activities
Detail-oriented

Mortgage Underwriter Resume Examples & Samples

Minimum of 2 years experience underwriting first mortgage products
Familiarity with SecondaryMarket requirements
Strong Customer Service Skills

Residential Mortgage Underwriter Resume Examples & Samples

Expert knowledge of all residential lending programs offered by the Bank
Responsible for evaluating portfolio, exception and complex mortgage loans n accordance with all Bank, Investor, Agency, and regulatory compliance guidelines. Actively review, analyze and assess mortgage loan packages or underwriter recommendations for approval, declination, counter-offer or restructure in accordance with all Bank policies, procedures, and philosophies. Responsible for underwriting of non-agency qualified residential mortgage loan requests, generally in excess of $1,000,000
Analyzes financial data related to purchase money and refinances residential loan requests, including more complex commercial financial analysis of self-employed and private bank clients
Ability to review appraisals from vendors for quality control purposes
May recommend and/or approve credit requests within properly delegated authorities, exercise independent judgment when applying exception authority
Participates in discussions with Home Lending Department and Private Bank Team Leaders and Mortgage Loan Officers (MLO) related to credit requests under consideration
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. May be asked to coach, mentor, or train others and teach coursework as subject matter expert. Responsible for other duties as assigned. Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words. Takes personal initiative and is a positive example for others to emulate. Embraces our vision to become "The World's Greatest Bank."
May perform other duties as assigned
5 - 7 years of relevant residential credit analysis or commercial underwriting experience
5 years of Appraisal Review experience
Extremely strong analytical and problem solving skills
Extremely strong credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
Requires a bachelor’s degree or equivalent
Ability to train and present to small and large audiences or has the interest in learning to train and present

DE Mortgage Underwriter Resume Examples & Samples

Minimum two years experience underwriting Conv/FHA Loans
Advanced computer skills
Strong analytic, interpersonal, and verbal and written communication skills
Detail oriented and uses common sense
VA SAR designation Strongly Desired

Senior Mortgage Underwriter Resume Examples & Samples

4+ years of mortgage underwriting experience, including review of credit reports for accuracy and red flags, appraisal review, calculation of DTI, income, assets and LTV/CLTV and other complex financial documents
Commitment to teamwork: Customer service skills are a MUST
FHA and VA underwriting experience with DE Authority, VA Authority and SAR

Mortgage Underwriter Resume Examples & Samples

Underwrites loan files through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames as determined by management Assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting. Reviews self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income
Identify common errors and report via comment 60 in loan origination system- UNIFI which compiles data for trainers and Regional and Area Sales Managers
High School Diploma or GED required
Five to six years of experience in the banking/financial industry
Three to five years of experience in conventional mortgage credit processing and underwriting
Very good knowledge of loan documents and real estate terminology, FHLMC/FHA/VA.FNMA guidelines and portfolio lending practices, and State and Federal agency policies and procedures

DE Mortgage Underwriter Resume Examples & Samples

Required Skills: "Must" have these skills to be minimally qualified
CHUMS # is required
Bilingual-Spanish preferred but not required

DE Mortgage Underwriter Resume Examples & Samples

Knowledge of conventional and/or government guidelines, federal lending regulations governing real estate lending
Review of credit reports for accuracy and red flags, appraisal review, calculation of DTI, income, assets and LTV/CLTV and other complex financial documents (i.e. Tax Returns)
Team player and customer service skills are a MUST

Mortgage Underwriter Resume Examples & Samples

Evaluate creditworthiness of borrows in order to render a credit decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports etc
Calculate income/self-employed cash flow using documentation and methodology required per investor, and CFPB regulations. Analyze the business’s financial strength by examining annual earnings to determine stability and validity. Income must be verifiable, stable and ongoing
Review appraisal to ensure the report is accurate, complete and the value is supported and the collateral is acceptable. Recognize when additional field reviews may be necessary to support value
Re-review all Suspended loans within SLA
Maintain current and fluid knowledge of investor and agency guidelines and adapt to changes quickly
Work “underwriting help desk” on a rotational basis answering emails and phone calls from the sales force
Working knowledge of Empower LOS is a plus
High integrity and outstanding work ethic

Mortgage Underwriter Resume Examples & Samples

Performs pre-closing analysis on borrower’s employment profile, credit strength, financial documentation and all other information pertinent to the credit decision on each mortgage application. As well as works with Express Lane Box to complete final condition review and clear to close process for files with minimal conditions remaining
Submits loan applications to AUS and validate findings to ensure internal and investor guidelines (FHA and USDA) are met
Completes Clear to Close review prior to final approval given

Uhnw Residential Mortgage Underwriter Resume Examples & Samples

At least ten years of residential mortgage underwriting experience, along with commercial mortgage underwriting experience
Experience working on transactions for high profile clients, and ultra high net worth clients
Ability to analyze complex business and personal tax returns, along with personal financial statements and understanding of contingent liabilities
Knowledge of “unique vesting’s” i.e. irrevocable, trust, property in corporate entities
Advanced knowledge/experience of self-employed income analysis is required
Must have current industry knowledge of underwriting regulations and policies, creditor financial analysis techniques, investor requirements and processes
Thorough understanding of the appraisal, credit report, income, title, insurance documentation
Bachelor’s Degree required, advanced degree preferred
Must have a high level of attention to details and accuracy
Excellent oral and written communication skills with meticulous follow up
Ability to work within a cross-functional environment
Demonstrate initiative, leadership and comfort working in a fast paced environment

Senior Mortgage Underwriter Resume Examples & Samples

4+ years of mortgage underwrting experience, including review of credit reports for accuracy and red flags, appraisal review, calculation of DTI, income, assets and LTV/CLTV and other complex financial documents (i.e. Tax Returns)
Ability to prioritze multiple competing tasks
Greater than 6 years of recent manual underwritng experience, including Non Conforming and signing on loans greater than $2M and ability to make business decisions

Senior Commercial Mortgage Underwriter Resume Examples & Samples

Originate Commercial Real Estate mortgage loans through mortgage banker network and size and underwrite loans
Monitor and analyze mortgage loan investments currently on the books
Work with problem loans as they arise
Work closely with CMBS analyst on new purchases as well as current portfolio
Coordinate with other members of the team to get new loans closed. Prepare underwriting narrative and loan committee recommendations
Generate and negotiate loan applications. Perform site inspections and meet with prospective borrowers
7+ years of commercial real estate experience, preferably in loan origination
Ability/desire to work with a team and independently
Proficiency in Excel and Word
Strong analytical skills, written and verbal communication, strong time management and ability to prioritize

Mortgage Underwriter, Senior Resume Examples & Samples

Strong interpersonal communication skills
Able to offer constructive advice and information in a professional manner
Sound judgment, analytical and decision-making abilities
Knowledge and understanding of FNMA/FHLMC/FHA/VA and Aggregator guidelines
Thorough knowledge of complex personal and business financials
Thorough knowledge of MI policies

Mortgage Underwriter Resume Examples & Samples

Responding to e-mails and phone calls from internal and external customers within a reasonable amount of time
Identifying Red Flags, Fraud Detection, and mitigating risk
Maintain an acceptable quality level, keeping errors at a minimum

Mortgage Underwriter Resume Examples & Samples

Assess and recommend credit applications that qualify as prudent mortgage lending, as allocated on a daily basis, ensuring timely turnaround of assessment, in line with the Banks prevailing Mortgage Lending Policies, processes and procedures
Provide a professional lending service while applying appropriate and effective credit governance and maintaining independence of credit control approval
Establish and maintain a direct relationship with the business areas on lending propositions in order to provide structured, consistent and tailored advice
Proven level of Mortgage Underwriting Credit Skills with excellent commercial knowledge
Professionalism in relation to Credit and compliance with all the governance, regulations, policy and standards
Solution focused with strong negotiation and interpersonal skills and evidence of ability to interact, engage and influence
Ability to interpret and understand complex credit cases to be in a position to provide informed advice and approval to credit decisions

Senior Mortgage Underwriter Resume Examples & Samples

Ability to review Condo/PUD projects to ensure they meet salable or non warrantable guidelines
Ensure all tax, title, insurance and closing documentation is accurate and complete
Review final conditions submitted to Underwriting Final Approval within SLA
Review a minimum number of files per month as determined by management which would include new submissions, re-submissions & final conditions
Communicate effectively and engages proactively with mortgage loan officers, processors, branch managers, funders and post-closers in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
5+ years of recent Mortgage Underwriting Experience (FHA, VA and Conventional) with strong agency guideline knowledge

Mortgage Underwriter Resume Examples & Samples

Underwrites loan files for designated processing center through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames. Assimilates new government regulations and applies this knowledge to improve and maintain quality and consistent underwriting. Reviews self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income
Provides verbal and written letters of commitment for each loan decision detailing required documentation, loan interest rate, as well as the fees and mortgage amount approved. These letters are sent to loan originators, the borrowers, and realtors
Provides customized underwriting services to the Marketing Department for specific investors
Four to five years of experience in the banking/financial industry
Two to three years of experience in conventional mortgage credit processing and underwriting
One year of actual appraisal experience or formalized training from Institute classes (MAI) Society of Real Estate appraisals and/or MBA classes and/or OJT underwriting
Basic knowledge of mortgage credit processing and underwriting
Basic knowledge of loan documents and real estate terminology, FHLMC/FHA/VA.FNMA guidelines and portfolio lending practices, and State and Federal agency policies and procedures

Mortgage Underwriter Supervisor Resume Examples & Samples

5 years’ experience managing staff
In-depth working knowledge of ATR/QM and CFPB requirements
Proficient in Desktop Underwriter and Loan Prospector
Strong analytical skills ; accuracy, consistency and completeness is critical
High integrity and outstanding work ethic required
Proficient written and verbal communication skills

Mortgage Underwriter Resume Examples & Samples

Proven ability to perform quality work while maintaining productivity and compliance standards
Self-motivated and highly organized
Familiarity with secondary market requirements

Mortgage Underwriter Resume Examples & Samples

Excellent interpersonal skills and extremely client focused
Proven effective communication skills, with the ability to negotiate and work effectively in a collaborative environment
Demonstrated effectiveness in applying sound judgment and ability to problem solve in a risk oriented environment

Mortgage Underwriter Resume Examples & Samples

Responsible for reviewing and calculating complex income scenarios. Underwriter will need to be able to analyze the income trends and stability
Must be able to calculate self-employed income from multiple income sources using the Fannie Mae 1088 comparison, Fannie Mae 1084 or the Freddie Mac 91 forms
Must be able to document the Borrowers capacity and ability to repay the loan. The Underwriter will be required to analyze all segments of the loan together and provide a rationale for the analysis and decision
Underwriter will be responsible to Underwrite loans across the various MB channels of business
Responsible for assisting the Investors in obtaining any post close documentation needed for loan purchase
Ensures all third party resources are reviewed to validate critical risk components of the mortgage credit file
Reviews AVM, IRS tax transcripts and any other third party resource utilized to validate accuracy of data in the mortgage credit file

Mortgage Underwriter Resume Examples & Samples

Three+ years of experience underwriting mortgage loans. Examples include AUS Agency, Agency Manual, Non-Conforming Portfolio Products, VA and FHA
For FHA lending, must meet HUD requirements as outlined in HUD handbook 4000.1
Strong capacity to address credit related issues and points of risk to ensure underwriting meets quality assurance and investor standards
Demonstrated and sustained adherence to all regulatory and compliance requirements
Proficiency in Automated Underwriting Systems (AUS)

Mortgage Underwriter Resume Examples & Samples

In depth knowledge of Credit Risk Management principles with a storage capacity to address related issues and points of risk to ensure underwriting meets quality assurance and investor statements
Ability to preform comprehensive validation review of credit, income, assets, compliance, policy or program requirements, based on automated or manual underwriting results
Proven effective communication skills with the ability to negotiate and work effectively in a collaborative, matrix orientated environment
Experience reviewing a complex financial document such as personal and/or business tax returns and financial statements
Bachelor's Degree or equivalent work experience
Provide timely and accurate communication of credit risk decisions to impacted stakeholders

HUD / FHA Mortgage Underwriter Resume Examples & Samples

Maintain an expert understanding of applicable internal as well as FHA policies and procedures as outlined in the internal Policies and Procedures Manual, FHA MAP Guide, LEAN Handbook and other applicable references
Critically evaluate appraisals, market studies, project capital need assessments, project/personal financial statements, credit reports, insurance policies, and any other documents needed to development sound underwriting conclusions
Understand physical characteristics of commercial real estate properties, assessing the related competitive advantages and disadvantages and applying to project proposals
Structure the underwriting and financing aspects of transactions to create the proper balance of feasibility and risk
Review and analyze legal contracts such as applications, commitments and loan documents
Interface with clients and other project participants to obtain necessary documentation and appropriately manage the underwriting, review and closing processes
Keep management and bankers informed of project specific progress and issues on a proactive basis so as to facilitate smooth execution of engaged transactions
Assist in origination efforts as needed by evaluating provided project information, preparing preliminary loan analyses, offering needed technical advice and leading needed preliminary interactions with our internal credit committee and/or HUD staff
Serve as mentor to assigned analysts, and associates so as to further develop their technical capacities and support their career progression
Develop strong business relationships with HUD production staff so as to expand their confidence in company capabilities
Review, and recommend continued improvements to the underwriting and application process as well as training for analyst/associate and business development roles
Requires an independent worker with strong project management skills, excellent accuracy/attention to details, and an ability to adjust to ever changing business environment
Willingness to work long hours, including some weekends, to accommodate project deadlines
Must possess extensive PC skills including: email, spreadsheet and word processing
Willingness and ability to travel for site inspection and/or business development support

Senior Mortgage Underwriter Resume Examples & Samples

Minimum 7 years lending/underwriting, including 5 years of mortgage industry experience
Ensure supporting documentation relating to a deal is deemed satisfactory in order for the deal to proceed onto funding
Underwrite, price and set terms and condition items on conventional and high ratio, Alt-A caliber and A-Caliber residential mortgage applications originating from Optimum & CWB internal customers and referrals within our core operating regions of AB, BC, SK, MB, ON and Atlantic Canada
Provide coaching and leadership support to Mortgage Administrators for ownership of the deal opportunity from the point of inception through to funding
Make decisions guided by common sense and sound business judgment

Senior Mortgage Underwriter Resume Examples & Samples

Underwrite conventional (conforming and non-conforming) FHA, VA residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting
Performs risk assessment of credit and collateral ensuring loan saleability and sound credit quality
Responds to and resolved any post-closing issues to ensure loan saleability
Assist management to clear conditions and expedited loan closings
Keep informed of current practices in loan underwriting
Take initiative to keep current on changes in investor and M&T guidelines
Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable
Responsible for meeting and maintaining registration requirements under the Federal SAFE Act
Associate’s degree, or in lieu of a degree, 2 years’ relevant work experience, plus 4 years mortgage underwriting experience, and Direct Endorsement (DE) or LAPP approval
Associate’s degree, or in lieu of a degree, 2 years’ relevant work experience, plus 5 years underwriting experience to include 2 years’ experience on a unique product (CRA, construction, State Bond, etc.)
Associate’s degree, or in lieu of a degree, 2 years’ relevant work experience, plus 6 years conventional underwriting experience
Demonstrated ability to multi-task and work well under pressures
Proven ability to interpret underwriting guidelines

Mortgage Underwriter Resume Examples & Samples

Underwrite conventional (conforming and non-conforming) residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting
Ensures loans are in compliance with investor requirements, federal and state laws and regulations
Responds to and resolves any post-closing issues to ensure loan saleability
Assist management to clear conditions and expedite loan closings
Keeps informed of current practices in loan underwriting
Takes initiative to keep current on changes in investor and M&T guidelines
Associates degree and three years of mortgage processing/underwriting experience or in lieu of education five years relevant experience
Knowledge of software and applications used by the department
Full knowledge of credit risk
Understanding of Appraisals
Thorough knowledge of DU/LP validations (automated underwriting)
Knowledge of applicable industry tools to ensure saleabilty, i.e. Core Logic, Lexis/Nexis, Salary.com

Home Mortgage Underwriter Resume Examples & Samples

8+ Years Underwriting Experience
Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making
Assist the Group Team Manager when necessary and provide training when required
Provide exceptional customer service in all written and verbal communications to both internal and external customers

Home Mortgage Underwriter Resume Examples & Samples

Direct Endorsement Certification required
Experience using Automated Underwriting Systems
Self-directed with excellent time management skills
Demonstrated ability to analyze and evaluate complex income documentation
VA LAPP approval preferred

Mortgage Underwriter Resume Examples & Samples

Five+ years mortgage loan underwriting experience or equivalent, including three years of experience with manually underwritten and/or non-conforming loan amounts
Ability to perform a comprehensive validation review of credit, income, assets, compliance, policy, or program requirements, based on automated or manual underwriting results
Proven effective communication skills, with the ability to negotiate and work effectively in a collaborative, matrix oriented environment

Mortgage Underwriter Resume Examples & Samples

Underwrite Conventional, FHA, USDA, and Bond loan programs
Verify that the terms of the loan are in accordance with the Great Western Bank approved interest rate, origination fee, loan discount, loan terms, and secondary market requirements
Serve as resource for loan personnel regarding underwriting guidelines (UW Day helpdesk)
Remain current on Federal and State regulations, FHA, VA, Rural Development, Fannie Mae, and private mortgage insurer underwriting guidelines and industry trends
Communicate loan decisions to appropriate parties
Perform fraud detection techniques and compliance reviews
Validate DU recommendations, maintain data integrity and validate loan eligibility
Verify contributory factors in the DU risk assessment
Validate property valuation and eligibility
Complete thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans
Maintain company service level and turn-time standards
Respond to audits and post-closing issues in a timely manner
Review new loan files to ensure loan meets investor and program criteria – (Minimum standard of 40 loans per month)
Review transmittal & 1003 to ensure accuracy and completeness, compare to findings to verify that all information matches
Review credit report and compare to liabilities on 1003, verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed, request updated mortgage history if needed
Calculate income using documentation required per investor, question any large changes in income
Review assets statements to compare to required assets, require documentation and source for any recent large deposits
Review title to verify our borrower has ownership on a refinance transaction and that the seller has ownership for purchase transaction, check that chain of title meets investor requirements, verify there are no unpaid liens or judgments and that all mortgage liens being paid off through the transaction, compare tax figures to 1003
Review appraisal to ensure the value is supported and that the appraiser has provided complete accurate appraisal
Review file to make sure compliance has been met: regulatory, state, and federal
Review resubmitted files and final conditions turned in for Underwriting Final Approval within 24 hours
Review a minimum number of files per day of 6-8, to include new submissions, re-submissions & final conditions
Communicate effectively and engage proactively with loan originators, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
Self-starter, self-reliant, dependable, able to work within specific time constraints
Strong verbal and written communication skills and ability to rework loans as needed with sales staff
Ability to prioritize multiple tasks in a deadline-driven environment; possess strong sense of urgency and responsiveness and be held to minimum production standards
Ability to work with limited supervision, in a fast-paced atmosphere with frequent interruptions
Bachelor’s Degree or equivalent combination of education and experience in related field
Two years of recent mortgage underwriting experience preferred with thorough knowledge of Fannie Mae, FHA, USDA, Bond and all other secondary market guidelines
General knowledge of federal, state, and regulatory requirements/guidelines related to secondary mortgage lending and internal processes and controls
FHA Direct Endorsement (DE – Chums) preferred
Detail oriented and discreet with confidential information
Knowledge of overall mortgage lending processes including underwriting, funding and loan processing
Knowledge of valid documentation related to processing secondary mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)
Sound judgment, ability to think critically, ability to evaluate facts and data to draw conclusions and determine the downstream impact of decisions and associated risks
Effective analytical and mathematical skills
Experience with AUS (LP/DU) and knowledge of mortgage insurance
Aptitude for maintaining professional relationships with coworkers
Must be able to underwrite all Conventional products without assistance
Knowledge of ATR/QM Requirements
Encompass LOS experience preferred
Strong computer skills: proficient in Microsoft Word, Excel and Outlook
Experience in Appraisal Review

Mortgage Underwriter Resume Examples & Samples

Minimum 7 years lending or underwriting, including 5 years of mortgage industry experience
Conduct underwriting activities in a highly sales-oriented and customer service oriented manner to maximize growth & profitability potential
Conduct the underwriting function within the D&H Express and Oscar loan origination system
Assist with overflow applications from brokers in all centers
Inspire trust by being open, honest and direct in communication, meeting commitments and behaving ethically in all dealings
Make decisions guided by common sense and sound business judgement
Prepare and regularly review my annual goals and career development plan with my manager/supervisor

BCU Mortgage Underwriter Resume Examples & Samples

Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss
Recommend approval, modification and/or denial of loans originated in the U.S. and Puerto Rico for potential sale to FNMA, other investors or for retention in the BCU Portfolio
Complete understanding and adherence to mortgage loan policies, investor requirements, compliance standards and lending procedures; allowing BCU to sell loans directly into secondary markets, consider participations with other institutions and portfolio lending
Make recommendations to BCU’s Real Estate Loan Policy and update underwriting and quality control procedures to maintain compliance with industry guidelines and standards in a timely manner
Assist in training processors, loan officers, and other front line origination sources to maintain compliance with changes in guidelines, quality control standards, and policy/procedures
Actively participate in our pre-close and post-close quality control process and vendor relationship
Undergraduate degree preferred
3+ years mortgage lending and underwriting experience
Experience with automated scoring systems such as Desktop Underwriter
Excellent credit analysis skills and knowledge of loan products and policy
Ability to work effectively and communicate with management, members, internal/external contacts and vendors
Thorough knowledge of FNMA and BCU underwriting and quality control standards required
Ability to perform in a multi-tasked environment while effectively prioritizing workload and maintaining high level of service
Ability to adapt to change within working responsibilities, be it internal, market, or regulatory driven

Senior Residential Mortgage Underwriter Resume Examples & Samples

3-5 years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC)
Must have or obtain FHA DE Designation within a timeframe established by management
Underwriting experience with VA/FHA/USDA preferred
FHA Direct Endorsement and VA LAPP Authority preferred
Proven ability to analyze and underwrite complex loan structure, including self-employed borrowers, investment properties, construction loans and all expanded approvals
Strong cash flow analysis skills reviewing complex personal and business tax returns, P&L statements and financial statements
Experience with risk accountability, law and regulation compliance and audit/regulatory examination response
Proficient with loan origination software, Desktop Underwriter and Loan Prospector
Extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, etc
Understanding of rate sheets and product profile pricing/criteria in relation to credit decisions
Ability to accurately interpret, apply and explain policy/procedures to both internal and external customers
Ability to work in a high volume environment with minimal supervision, while maintaining production service levels
Ability to multi-task while maintaining a high-level of flexibility

Residential Mortgage Underwriter Resume Examples & Samples

Bachelor's degree or equivalent work experience
Series 65/66 within 120 days of hire
Ability to make professional sales presentations and be able to build credibility with Huntington's client base

Senior Mortgage Underwriter Resume Examples & Samples

Develop and maintain a strong understanding of mortgage lending products, policies, processes, and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA) and portfolio products. (prefer VA SAR)
Adhere to all compliance regulations
High School diploma or equivalent education
Five years of mortgage loan underwriting experience
Direct Endorsement (DE), VA SAR, Staff Appraisal Reviewer Certifications INDBBTMG

Mortgage Underwriter, Senior Resume Examples & Samples

Facilitating customer-centric behaviors and a superior customer experience for both internal and external customers
Demonstrating time management skills for pipeline management and reviewing loan files within established service level agreements
Review of income, asset, and credit documentation to make a sound credit decision according to program guidelines
Demonstrate proficiency in automated underwriting DU and ability to analyze results
Developing and Issuing loan decisions including Counter Offer scenarios, Approvals and Declines
Ability to meet monthly production requirements
High Production with attention to quality, Team Player and the ability to multi-task
DE or Lapp Designation

Mortgage Underwriter Resume Examples & Samples

Strong oral, verbal and written communication skills
Commitment to teamwork and strong customer service skills are a MUST
DE AuthorityVA Authority

Senior Residential Mortgage Underwriter Resume Examples & Samples

Three or more years of successful investment sales experience and the desire to work in a fast-paced, goal and commission based environment required
Series 7 before hire (S63 also if state requirement)
State Life and Health before hire
Proven organizational skills and ability to work successfully, independently, and proactively in a team environment required

Mortgage Underwriter Resume Examples & Samples

Minimum 1 year experience in underwriting property and credit with lender approved, full package signoff authority within the past 5 years
Ability to effectively make decisions in an independent manner and availability as a resource advisor for all staff
Computer skills: Microsoft Word, Outlook

Mortgage Underwriter Resume Examples & Samples

Ensure all loans meet or exceed Key Bank credit policy and be in compliance with the Ability to Repay (ATR) and Qualified Mortgage provisions of the Dodd-Frank Act
Ensure compliance with appropriate company and Agency/Investor
Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and require payment or satisfaction if needed
Calculate income/ self-employed cash flow using documentation and methodology required per investor, and CFPB regulations. Analyze the business’s financial strength by examining annual earnings to determine stability and viability. Income must be verifiable, stable and ongoing
Required to review all appraisals outside standard guidelines to ensure the report is accurate, complete, the value supported and the collateral is acceptable. Recognize when additional field reviews may be necessary to support value
Communicates effectively and engages proactively with mortgage loan officers, processors, branch managers, funders and post-closers in regards to loan decisions, clarity of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
Work “underwriting help desk” on a rotational basis answering emails, phone calls from the sales force
3-5 years of recent Mortgage Underwriting Experience ( conventional) with strong agency guideline knowledge
DE, SAR and LAPP certifications are not required but preferred
High degree of proficiency in Desktop Underwriter and Loan Prospector required
Strong analytical skills,; accuracy, consistency and completeness is critical
Ability to work in a fast paced, fluid environment and be held to meet minimum production standards while achieving a rewarding experience for our clients

Mortgage Underwriter Resume Examples & Samples

Underwrites and processes Consumer loan applications as assigned
Monitors credit policies, rates, and application volume, interacts with internal and external Bank staff as well as dealers and applicants
Interacts and builds relationships with indirect dealers
Reviews and analyzes monthly and year to date loan reports
Passion for delivering excellent customer service
Solid understanding of underwriting guidelines
Must have proficient verbal and written communication skills
High school diploma or GED

Mortgage Underwriter Resume Examples & Samples

Underwrites mortgage files to secondary market / salable guidelines
Reviews to insure all HUD requirements met on FHA loans
Answers inquiries, provides support to Processors and Mortgage Lenders
Prepares Approval Notices as warranted with declinations to be presented to the Mortgage Operations Manager for second review
Prioritizes the underwriting caseload to meet various deadlines for lock expirations or investors guideline changes
Attends training seminars as required to further job develop job skills
Up-to-date knowledge of Fannie Mae, Freddie Mac, HUD and other investor guidelines
Proficient in E3 and have knowledge of automated underwriting systems including DU, and LP
Excellent organization skills

Home Mortgage Underwriter Resume Examples & Samples

Required experience/training in an accounting, bookkeeping or other position balancing cash disbursements in a financial services industry position
Required experience with origination of residential construction loans
Preferred extensive experience reviewing appraisal and reading construction contracts plans and specs

Senior Mortgage Underwriter Resume Examples & Samples

Underwrites conventional Federal Housing Authority (FHA), Veterans Affairs (VA), Rural Housing Development (RD) and portfolio loans
Ensures that appraisals meet investor and bank requirements and that the value conclusion is reasonable and well supported
Reviews all employment, income and asset documentation to ensure that it is accurate and satisfies investor requirements
Reviews credit history and scores to ensure the borrower's credit meets the investor requirements
Reviews all documents and information for potential fraud or misrepresentation and for regulatory compliance
Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards
Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors
Approves or rejects loan application, or requests additional information
Records loan rejections, specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves
Determines terms and acceptability of risk of prospective business
Sets prices for prospective mortgage loan applicants
Approves or rejects loan application, or requests additional information Assembles documents in loan files, including acceptance or denial, and returns files to originating mortgage loan office
Maintains database on new and existing business
Coaches Processors, Loan Officers and Junior Underwriters/Validators when appropriate and works with them to find solutions to problems where possible
Manages and utilizes systems to ensure they accurately reflect the loan request and information (current loan origination system and other investor conduit systems, etc)
Communicates and coordinates necessary approval requirements and files status with appropriate persons (originator, processor, closers, Realtors, builders, etc.) Participates in implementing second review committee for denied loans
Ability to communicate effectively orally and in writing using the English language Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
Ability to write routine reports and correspondence
Ability to speak effectively before groups of customers or employees of organization
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume
Ability to apply concepts of basic algebra and geometry
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form
Ability to learn, or knowledge of, Microsoft Office products to include Word, Excel, Access, Powerpoint and Outlook

Mortgage Underwriter Team Ldr Resume Examples & Samples

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Bachelor’s degree or equivalent work experience
Minimum of five years mortgage underwriting experience
Demonstrated interpersonal skills necessary to manage and motive a group of people
Thorough knowledge of residential mortgage lending, products and procedures
Strong knowledge of FNMA/FHLMC, FHA, VA guidelines and procedures
DE, and SAR certifications preferred; experience with USDA is a plus
Ability to work in a fast paced, fluid environment and be held to meet minimum production standards for self and staff
Strong computer skills; proficient in Microsoft Office
Proven knowledge of compliance and disclosure requirements
Proven knowledge of closing, post-closing & quality control responsibilities

Mortgage Underwriter Resume Examples & Samples

Review and approve conditions for compliance and completion of loan file
Maintains current knowledge of lender and investor requirements
Resolve post closing issues as they relate to underwriting
Assists in the development of policy, procedure, process flows and integration of new clients
Assists processors in understanding underwriting decisions and conditions
Must be able to meet established minimum daily expectations for this position
Essential Functions

Mortgage Underwriter Resume Examples & Samples

Responsible for credit decisions on customer’s loan request that fall outside standard credit policies or guidelines
Adherence to ‘second look” decline loan review process, with particular focus on request from low-moderate income applicants
Approve, counter-offer, decline or offer alternative lending products when appropriate
Document all pertinent underwriting information and correspondences into the automated lending system
Participate in due diligence teams
Interface with primary vendors on risk-related matters for loan exception underwriting
Work with primary vendors to obtain consistent 24 hours or less turn times

Mortgage Underwriter Resume Examples & Samples

Underwrite primarily agency loans but also have ability to underwrite portfolio loans
Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages
High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes five or more years underwriting conventional loans
Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing
Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)
Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls
Strong detail orientation and highly organized
Experience working within Encompass preferred

Mortgage Underwriter Manager Resume Examples & Samples

Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation
Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly
Provide options and recommendations to borrowers regarding suitable loan programs
Stay abreast of current regulations and industry trends that affect compliance and decision-making
Verify that system input is accurate and that company systems match Automated Underwriting System (AUS)
Intermediate math skills

Senior Mortgage Underwriter Resume Examples & Samples

Reviews, analyzes and decisions more complex mortgage loan products, which align with the organization's overall strategy and within Company and industry guidelines, focusing on four main points (applicant's ability and willingness to repay the loan, existing assets and collateral)
Analyzes a broad range of credit and compliance documents related to the mortgage process, ensuring loan quality and integrity in alignment with HSBC and investor philosophies and guidelines
Collaborates with borrowers, sales representatives and other parties linked to the mortgage process
May work on more complex projects with assistance and oversight of managers
Management of Risk Analyze a full range of credit, collateral and legal documentation to ensure collateral supports Companys overall risk. Ensure the Companys security interest in the mortgage is protected
Observation of Internal Controls
Previous FHA Underwriting experience with full active Direct Endorsement, preferred

Residential Mortgage Underwriter Resume Examples & Samples

Customer: customer experience satisfaction (B2B, B2C and HFA and 3rd party stakeholders)
Determining and obtaining all pertinent credit information such as proof of income, down payment confirmation etc., and conducting appropriate due diligence in order to meet the bank's credit and quality standards, including anti-money laundering and anti-terrorist financing standards and maintain the bank's desired reputation with the public and regulators
Accurately inputting data to computer underwriting program and determine a "pass", "ail" or "further consideration" decision for each mortgage application
Within a designated discretionary limit for mortgage applications which are "passed" by the system, approve, decline, or present alternatives that meet Scotiabank's Risk tolerance for mortgage transactions and recommend to a higher level those which are qualified for further review if the incumbent considers them to be credit worthy
Issuing and following-up on commitments
Obtaining Mortgage Insurer approval for insured loans
Ordering and reviewing appraisals for all conventional mortgages
Assembling, analyzing and ensuring receipt of all relevant information and documentation prior to onward submission of the file to the Mortgage Administration Department for timely instruction to solicitors
With the assistance of statistical information provided by the supervisor or other areas of the bank, monitor mortgage borrower performance and take appropriate action to ensure that sub-standard performance is corrected or if it is not, take appropriate action to terminate the relationship with the HFA
Monitor HFA activities and bring any activities which appear worthy of further investigation to the attention of appropriate bank officers (supervisor, Senior Mortgage security Specialist or S&I)
Effectively communicating Bank lending policy and procedures , instilling a thorough knowledge of our lending requirements, and qualifying parameters
HFA Support
Underwriting track-record with authority limits
Extensive experience in real estate secured lending
Knowledge of and experience in dealing with mortgages generated by HFA's and the mortgage industry in general
Expert knowledge of Bank mortgage products, and all the policies / procedures, relating to the credit adjudication and funding of the products
Proven interpersonal and communication skills to deal with the demands of HFA's and to be able to tactfully relay unpopular messages
Sound organizational skills with ability to prioritize and give close attention to detail
Thorough knowledge of the pertinent Real Estate market, competitor innovations, trends and developments
Thorough knowledge of mortgage related products (Mortgage Insurance / Insurance, other credit products, deposit products and etc.)
Knowledge of Bank external marketing programs

Mortgage Underwriter Resume Examples & Samples

Ability to analyse company financial accounts accurately, in order to verify self-employed income
You will have experience of residential mortgage lending
Experience of underwriting mortgage cases in a busy ever changing environment
You don’t need to have experience working in a bank, but ideally you will have experience working for a rival lender
You will have a knowledge of mortgage industry trends, products and competitors

Mortgage Underwriter Resume Examples & Samples

Underwrite loans for compliance with investor and/or agency guidelines
Submit loans through an automated underwriting system for a decision
Approve or pend loans; present appropriate loans daily to loan committee
Assist branches with underwriting questions, scenarios and problems
Maintain 24 - 48 hour underwriting turnaround for new loans and re-submitals
Operation of office equipment and maintenance of loan filing system
An approved FHA, DE (Direct Endorsed) Underwriter
Strong planning and organizational skills

Mortgage Underwriter Resume Examples & Samples

Reviews mortgage loan files for completeness and data integrity
Evaluates borrower’s credit and capacity to repay the requested loan
Evaluates the collateral securing the requested loan and determines acceptability
Reviews mortgage loan files for compliance with regulatory, investor, bank and agency guidelines
Makes the credit decision to Approve, Suspend or Deny the loan and issues approval within timeframe established by TBM procedures
Completes all necessary forms to comply with regulatory, investor, bank and agency guidelines
Completes Underwriting Approval and provides to Loan Officer, Processor and Closer
Records appropriate data and status into processing system
Acts as a mentor and support to Processors
Supports Originators as a resource for questions
Obeys all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA)

Mortgage Underwriter Resume Examples & Samples

A minimum of three years of mortgage underwriting experience
Exceptional organizational and time management skills
A high degree of accuracy and attention to detail
Ability to work independently in a fast-paced, high-volume environment
Experience with FNMA and FHLMC programs/systems
Proficiency in evaluating complex income streams, including personal and business tax returns
FHA DE, VA Automatic or VA SAR designation is preferred but not required

Mortgage Underwriter Resume Examples & Samples

Review data input
Ensure investor compliance
Verify customer's application
Calculate loan details
Prepare customer commitments to be issued detailing additional conditions
Ability to prioritize tasks and handle multiple tasks simultaneously
Good verbal and written communication skills. Ability to effectively present information in one-on-one and small group situations
High School Diploma or GED and a minimum of three years mortgage underwriting experience
Associates Degree preferred

Home Mortgage Underwriter Resume Examples & Samples

Excellent communication skills, both verbal and written are required
Experience managing Construction Loan Disbursements is required
Experience as a team lead or staff manager is preferred
Experience responding to customer escalation and working with dispute resolution is preferred
Experience reviewing mortgage and construction lending documentation to include title work, surveys, appraisals, plans, specs, inspections is required
Assist the Group Manager when necessary and provide training when required
Is a resource for operations and sales colleagues regarding specific product requirements for loans in disbursement and process

Remote Senior Mortgage Underwriter Resume Examples & Samples

Leads the way with an upfront review and makes the initial credit decision based on company checklists and guidelines
Reviews everything and issues the final approval after all items are gathered by the Loan Processor and keeps the Loan Origination System up to date
Works with the post-closing team on any stipulations for closed files to push them over the finish line
Methodical and analytical personality with the ability to underwrite FHA loans using our unique, upfront method
Reviews loan files for self-employed applicants and FHA loans and income analysis for self-employed applicants
In order to work remotely, you must be located within one of our four Operations sites (Charlotte, NC/Indian Land, SC, Phoenix/Tempe, AZ, Virginia Beach, VA, or Richmond, VA)
You may chose 5 days a week or 2 days a week, if 2 days a week are chosen the two days that will be remote will be Tuesday and Thursday

Mortgage Underwriter Resume Examples & Samples

2+ years of front-end underwriting experience
Associate’s Degree in Business Management or related field
3+ years of mortgage industry experience
Experience with purchase loans is preferred
Ability to work extended hours (late evenings and weekend work may be required)

Lead Mortgage Underwriter Resume Examples & Samples

An inspiring leader, someone who is motivated to develop and grow our colleagues
An experienced underwriter at another bank or high street lender
Ideally you will have experience of using DPR & other origination systems
An experienced and confident leader, the ability to support and guide colleagues on all matters relating to the underwriting and completion of mortgages
Experience of delivering decisions on enquiries and new applications

Senior Mortgage Underwriter Resume Examples & Samples

4+ years of mortgage underwriting experience, including review of credit reports for accuracy and red flags, appraisal review, calculation of DTI, income, assets and LTV/CLTV and other complex financial documents (i.e. Tax Returns).-
Self-motivated and highly organized. Ability to prioritize multiple competing tasks
Greater than 6 years of recent manual underwriting experience, including Non -Conforming and signing on loans greater than $2M and ability to make business decisions

Senior Mortgage Underwriter Resume Examples & Samples

Coaches Processors, Loan Officers and Junior Underwriters/Validators when appropriate and works with them to find solutions to problems where possible Manages and utilizes systems to ensure they accurately reflect the loan request and information (current loan origination system and other investor conduit systems, etc)
Communicates and coordinates necessary approval requirements and files status with appropriate persons (originator, processor, closers, Realtors, builders, etc.)
Participates in implementing second review committee for denied loans
Ability to communicate effectively orally and in writing using the English language
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals

Uhnw Senior Mortgage Underwriter Resume Examples & Samples

Ten years of residential mortgage underwriting experience, along with commercial mortgage underwriting experience
Experience working on transactions for high profile and ultra-high net worth clients
Strong knowledge of how residential mortgage products are distributed via a Wealth Management platform associated with a Private Bank
Prior credit authority delegation is preferred
Completion of formal credit training is preferred
End to end mortgage fulfillment knowledge
Must be proficient in Microsoft Outlook, Word, Excel & PowerPoint
Must have knowledge of Windows and its relation PC Applications
Meticulous follow-up and follow through
Maintain poise, presence and professionalism with Financial Advisors and their affluent clients in the most difficult circumstances

Senior Mortgage Underwriter Resume Examples & Samples

Lending/underwriting experience is a must! With some serious mortgage industry exposure and knowledge
Common sense lending to A-Caliber and Alt A borrowers
Strong computer savvy and application skills (Word, Excel etc.)
Independent work - trust yourself! Consult a superior only on major issues and let yourself be guided by Bank Policies
Super organizer with a keen eye for detail

Senior Mortgage Underwriter Resume Examples & Samples

Assembles documents in loan files, including acceptance or denial, and returns files to originating mortgage loan office
Bachelor's degree; two to four years related experience and/or training; or equivalent combination of education and experience
Ability to communicate effectively orally and in writing using the English language Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manual

Mortgage Underwriter Resume Examples & Samples

Be responsible for analyzing, underwriting, evaluating and forming opinions for approving or denying mortgage residential and construction loan applications according to business and credit standards as well as applicable laws and regulations
Review documents and forms within system
Gather information as necessary to make sound decisions
Respond to internal and external customer inquiries. Recommends exceptions based on findings
Position is eligible for overtime pay
Requires a Bachelors degree and some credit analysis, underwriting, mortgage processing and products or other related lending experience
A combination of education and experience
Residential underwriting experience
FHA/VA underwriting a plus but not required
Basic knowledge of credit, spread analysis, finance and lending procedures, preferably in mortgage residential and construction lending
An understanding of mortgage products and regulations
Ability to work independently. Good mathematical and analytical skills
Ability to prioritize and organize multiple tasks
Good attention to detail
Good communication skills both written and verbal

Mortgage Underwriter, Consumer Loan Center Resume Examples & Samples

Provides strong knowledge in the review and validation of application data and background in fraud detection techniques
Reviews and researches data provided by credit bureaus and other third party vendors relative to FACTA alerts and fraud Red Flags
Utilizes background checks efficiently in the loan decision process
Demonstrates the ability to identify appraisal and collateral issues that should be escalated
Prepares income analysis using pre-determined tools and checklists based on loan size
High level of expertise in the understanding, interpretation and review of personal and business tax returns
Knowledgeable in the review of title commitments, project guidelines and insurance requirements
Assesses and complies with the Ability to Repay
Understands, prepares and presents applications for exception consideration
Ensures that loan decisions and recommendations comply with Bank policy and Fair Lending requirements
Ensures loan quality requirements are adhered
Provides a high degree of customer service throughout the loan process
Demonstrate skills around reporting and capacity planning
Bachelor's Degree or 6 years of equivalent underwriting experience
5 years of experience in underwriting consumer and mortgage products and programs
Strong knowledge of secondary market mortgage guidelines and products (conforming and jumbo) as well as automated underwriting systems and credit scoring
1 year utilizing Microsoft programs including Word, excel, power point etc
Acquire and maintain NMLS license

Senior Mortgage Underwriter Resume Examples & Samples

4+ years recent manual underwriting experience
Available to work extended hours as business need requires
Strong analytical and judgment skills
Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment. Attention to detail

Residential Mortgage Underwriter Resume Examples & Samples

Analyzes credit, income, tax returns, assets and appraisals to determine borrower’s credit worthiness and ability to repay per the terms defined by the bank and/or investor
Proposes alternatives to loan requests that do not meet underwriting guidelines and seeks approval when necessary
Mitigates risk by conducting thorough and prudent reviews of loan files. Validates loan application and supporting documentation. Dispositions loans within underwriting authority limits
Presents loans with recommendations to Vice President of Operations when loan limit exceeds the underwriter’s authority
Clears conditions identified through the underwriting process and prepares file for closing
Informs processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions
Manages assigned pipeline; Disposition loans within 24-48 hours of receipt and timely resolves conditions
Orients, trains, assists and mentor more junior level Underwriters
Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s)
High School diploma or equivalent and 5-7 years of current underwriting experience to include FHA/VA and Conventional loans
Working knowledge of residential loan operations, systems, documentation & regulatory requirements
Expertise with mortgage lending software applications and strong knowledge of Microsoft Windows operating system & Microsoft Word, Power Point, Excel and Outlook
Ability to read and listen, understand and communicate information and ideas in a clear and understandable manner, both orally and in writing with business unit management and staff, state and federal regulators and significant business partners
Strong ability to read, analyze and interpret financial reports and legal documents; effectively researches, analyzes and evaluates information to make decisions, solve problems and achieve goals
Certifications and Licenses: FHA/VA designation

Senior Mortgage Underwriter Resume Examples & Samples

DE certification
3-5+ years of mortgage underwriting experience (Conventional and Government loans)
Strong ability to multitask in a fast-paced working environment
Bachelor's Degree in either finance or business
VA LAPP
Experience with and knowledge of QC processes
Knowledge of Encompass system

Cres Mortgage Underwriter Resume Examples & Samples

Utilizes Fannie Mae’s Desktop Underwriter to determine loan eligibility for sale to Fannie Mae, as appropriate
Ensures all file documentation requirements are met
Underwrites loan files through a review process of analyzing and evaluating income, assets, liabilities, and property, while maintaining designated time frames as determined by management. Review of self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income. Able to apply Uniform and Industry standard Underwriting principals to arrive at accurate decisions
Have a full working knowledge of Appendix Q and ability to repay (ATR) and understand the difference between QM and Non-QM as it applies to underwriting
Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount
Identify common errors and report via loan origination system- UNIFI that compiles data for trainers and Regional and Area Sales Managers
Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs. Seeks formal legal opinions when/if required
Gathers information in order to solve problems and make decisions through phone contact to managers, BOTW Mortgage Bankers, or others as needed
Performs all other duties as assigned by their manager

100

Senior Mortgage Underwriter Resume Examples & Samples

Review, analyze and make final determination on loan submissions using manual underwriting guidelines as well as validating Automate Underwriting recommendations (DU; /LP)
Underwrite Conventional loans and FHA/VA loans as determined by lending authority set by Underwriting Management
Work with Correspondent or Consumer Lending Teams to identify potential solutions/alternatives for difficult/denied loan files
Communicate with internal and external clients and Green Tree UW Vendors on inquiries on loans underwritten by Green Tree Bank/Vendors
Research and respond to team lead on loans requiring additional escalation and review and ability to summarize issues, concerns and recommendations
Provide back-up support to Team Leader as necessary to ensure efficient operations and smooth and timely flow of work
Maintain department resource library to maintain reference material
Review of audit files for Quality/Funding issues and Watch List customers, to determine
Minimum of three- five (3-5) years underwriting experience with conforming and non-conforming loans required
Minimum six (6) years of mortgage banking required, including Jumbo Loans and/or Government Products
FHA and/or VA Designations Required
Ability to stay current with the business environment within third party lending

101

Senior Mortgage Underwriter Resume Examples & Samples

Manage the processing of new Manulife One and Manulife Bank Select accounts. Exercise sound financial judgment in granting loans within delegated limits and ensure that underwriting documentation is in good order
Responsible for underwriting decisions within delegated lending authority and making recommendations on files that exceed this limit. All decline recommendations must be referred upward for final decision
Within Underwriting, credit decisions are based on the following process
Sound knowledge in all areas of mortgage underwriting
Excellent written and communication skills
Sound knowledge of regional banking and consumer legislation as they relate to underwriting
Sound knowledge of accounting techniques and requirements as related to review of credit requirements
Sound knowledge of banking systems
Identify and solve issues requiring a high degree of judgment and recommend solutions

102

Junior Mortgage Underwriter Resume Examples & Samples

It is favorable that the candidate has a minimum of a 2.2 honors degree in a business or finance
Candidates will need to pass an aptitude test as part of the screening process
Experience of team work and dealing with customers is beneficial
QFA/APAs desirable or a commitment to undertake the relevant QFA/APA exams
Credit assessment and credit management skills
Strong analytical skills together with an ability to think and act laterally and creatively
A significant level of comfort with IT office systems and financial modelling skills
An ability to work on own initiative and interact as part of a highly motivated team
An energetic and enthusiastic approach to all tasks
Communication and influencing – genuine two-way communication to achieve consensus and progress
Customer Relationship Management – Engaging the Customer and adding value
Planning and priority setting – getting things done effectively and efficiently
Results focus – achieving results resiliently
Teamwork and collaboration – working together to deliver results

103

Senior Mortgage Underwriter Resume Examples & Samples

Increased credit lending authority limit ($1.0m vs. $650k for a Senior Mortgage Underwriter as of 11/2012) to approve higher value loans
Limits to lending authority are governed by the current credit grid and are subject to change. Refer to current grid for current lending authority limits
Bachelor’s degree in Business or a related field is preferred
Strong communications, organizational, analytical, managerial, problem solving and decision-making skills

104

Remote Conventional Mortgage Underwriter Resume Examples & Samples

Authorized to underwrite conventional, jumbo and other manual underwrite loan products
Communicates regularly with Mortgage Consultants and Loan Processors regarding status of loans via current technology
Leadership with respect to direction of underwriting resources and credit policy execution within team
Prefer a minimum of three (3) years specific underwriting experience
Ability to work in a fast paced, fluid environment

105

Conventional Mortgage Underwriter Resume Examples & Samples

Ad hoc reporting
Must have demonstrated satisfactory knowledge of DU and LP input
Ability to properly interpret DU and LP, communicate and document their findings

106

Mortgage Underwriter Resume Examples & Samples

Analyze credit and credit reports independent of scoring systems to confirm loan eligibility
Analyze exceptions and rejections; recommend alternative mortgage products better suited to the loan applicant - Advanced analysis
Approve mortgage loans and authorize loan disbursements based on a complete analysis of submitted documentation
Extensive experience in mortgage underwriting
Advanced knowledge of Real Estate Lending systems, policies, procedures, practices and/or actions
Expert knowledge of mortgage/equity loan processing, closing and documentation requirements and regulations
Expert knowledge of tax return and balance sheet analysis
Expert knowledge of underwriting process and understanding of applicable criteria, guidelines, rules and regulations
Advanced database and presentation software skills
Advanced organizational, planning and time management skills
Advanced research, analytical, and problem solving skills
Advanced skill conducting complex personal and business financial analysis
Advanced skill making effective presentations to groups of various sizes
Advanced verbal and written communication skills
Advanced word processing and spreadsheet software skills

107

Mortgage Underwriter Resume Examples & Samples

Underwriting residential mortgage applications originated by the company's mortgage loan officers, including appraisal review. As a part of the underwriter process, the underwriter will approve, counter-offer, or decline residential loan applications within delegated lending authority, ensuring that files are fully underwritten to applicable guidelines including those of the secondary market
Stay current with various industry and organizational trends and changes including changes with underwriting guidelines, mortgage products, PMI updates, while serving as an 'expert' in various areas related to mortgage underwriting
Assist with special projects and assignments as requested, including Dial & Learn presentations to mortgage loan officers
Associate’s or Bachelor’s degree preferred
3 plus years of Mortgage Underwriter experience is required
Certifications/Advanced Degree: must possess VA or FHA Endorsements
PC/Microsoft Office experience required
Strong administrative/organizational skills
Secondary market knowledge and experience is a plus

108

Mortgage Underwriter Resume Examples & Samples

Source new commercial real estate loan opportunities from correspondent lending platform with mortgage bankers who represent Farm Bureau Life or from others as Farm Bureau Life’s policy dictates from time to time.Lead and manage new and existing business development efforts and correspondent relationships within a defined geographic territory.Effectively markets and communicates Farm Bureau Life’s lending program to mortgage bankers and loan sponsors
Analyzes and underwrites new commercial real estate loans and provides recommendations for loan sizing, pricing, terms and structure within Farm Bureau Life’s lending program
Analyzes and underwrites loan modifications on existing commercial real estate loans and provides recommendations for loan modification terms and structure within Farm Bureau Life’s lending program
Communicate commercial real estate loan quotes to mortgage bankers and answer any questions the mortgage bankers/loan sponsors have
Drafting the commercial real estate loan application/commitment for review by the Senior Mortgage Portfolio Manager or the VP and Chief Investment Officer
Perform collateral level due diligence, site inspection, and market tours for new loan opportunities and works closely with internal and external business partners during the loan closings process

109

Mortgage Underwriter MTG Fayetteville BR Mortga Resume Examples & Samples

Responsible for diligent examination and review of residential applications for Conv/FHA/VA and USDA loans. This includes all aspects of ATR/QM Analysis
Maintain excellent written and oral communication skills regarding conditions for approval with processor and originator
Analyze and calculate borrowers' income, assets, liabilities as well as reviewing appraisals and determining property eligibility
Monitor status of loans in pipeline on regular basis; communicates with originators, processors, and appraisers
Maintain a working knowledge and understanding of all applicable agency and investor underwriting policies
Provide support for all loan personnel from origination to closing as it relates to properly producing a fundable loan
Comply with bank policies and procedures, regulatory requirements and compliance laws and regulations
Maintain professional maturity in discussing complicated issues and scenarios with origination staff
Maintain good punctuality and attendance to work
Ability to work well under pressure and maintain focus in meeting deadlines
Ability to multitask a must, as well as being able to optimize time management
Demonstrate control and flexibility while focused on loan quality while balancing high productivity in a changing work environment
Excellent Proficiency in computer skills with Microsoft Office/Word, Excel Applications
Special software: Encompass 360 proficiency desired, as well as working knowledge of FHA Connection, VA webLGY, and USDA RD GUS Operating system

110

Mortgage Underwriter Resume Examples & Samples

Review and evaluate real estate appraisals and underwrite mortgage loans on a daily basis
Analyze the credit, income, and personal assets of loan applicants
Underwrite conventional, FHA, and VA first mortgages as well as second mortgages and HELOCs in conformance with investor requirements as well as the companies' policies and procedures
Review condo, PUD, and coop projects for conformance to investor requirements
Provide support to processors and loan officers in structuring deals
Keep informed of trends and development in local market. Stays abreast of changing regulations and investor guidelines
Input accurate credit decisions into the LOS
Clarify risk by requesting additional information
Multi task in a fast paced environment
Work with multiple secondary investor guidelines
Work in an imaged environment

111

Mortgage Underwriter Resume Examples & Samples

Reviews submitted VA/FHA/government loans for approval
Communicate with processor/originator on decision
Monitor status of loans in pipeline on regular basis; communicate with originators, borrowers, real estate agents and appraisers
Maintain loan submission register; confirm lock-in sheets with secondary market; order flood certificates and process cancelled loan files and refund checks
Comply with bank policies and procedures, regulatory requirements and investor guidelines
Prepare and submits closing instructions to attorneys
Performs all other duties as assigned
Microsoft Office suite
Special software

112

Mortgage Underwriter Resume Examples & Samples

Underwrite complex mortgage loans for high net worth clients
Perform complex income / tax return analysis
Manage prefund quality control errors to below 5%
Complex self-employed income analysis is a critical requirement

113

Mortgage Underwriter Resume Examples & Samples

Approve residential loans and exceptions to policy within scope of authority in accordance with company policy and secondary market guidelines. Evaluate risk and set terms for approval and modification, or identify reasons for rejection. Review and approve appraisal reports, and assess company risk in accordance with guidelines. Maintain contacts with outside agencies to obtain required information and"r documentation
Make lending decisions on consumer loans as needed. Analyze current financial position of members to determine the degree of risk involved in extending credit, lending money, or changing terms on existing debt. Establish the terms and conditions of an approved loan and review them with the representative. Make decision to approve, disapprove, or forward the loan request to higher levels for decision
Follow current loan policies and procedures to ensure compliance. Understand and implement the Equal Credit Opportunity Act, the Federal Truth-in-Lending Act, and other federal and state lending laws applying to state-chartered credit unions
Participate in sales development by providing additional qualified opportunities and encouraging representatives to cross sell them. Assist in Branch Representative training and roll out of new products through branch visits, job shadowing and meetings
Must follow all BSA regulations, including completing CTR reports" en applicable, reporting suspicious activity via SAR when applicable and completing annual training
Serve as primary contact point for 3rd party vendors
To follow all company policies and act as a role model to others in the following of these policies. This includes, but is not limited to, providing exceptional internal and external service, championing company values, representing the Credit Union with a high level of professionalism, working hard to support your teams, and arriving to work on time every day with a positive attitude
Able to share and communicate ideas and processes in verbal and written form to business units and staff in a clear and concise manner. Able to present training effectively
Maintain the highest level of confidentiality regarding all sensitive, confidential, and proprietary Credit Union information
Proven analytical and problem-solving abilities
Highly organized and detail oriented" "le to organize workload to insure priority responsibilities are completed as scheduled and in a timely manner. Entrepreneurial in thinking, planning, and implementation
Self-motivated and independent

114

Mortgage Underwriter Resume Examples & Samples

Experience in residential mortgage lending
Great understanding of the industry, trends products and competitors
Strong knowledge of mortgage regulation and legal requirements
A recent role in Mortgage Underwriting or Relationship Management

115

Mortgage Underwriter Resume Examples & Samples

Requires an associates degree and 1+ years experience with consumer or mortgage associated lending, credit reports and documentation or other directly related experience
An equivalent combination of education and experience may meet qualification
Knowledge of federal and state laws and regulations relating to consumer lending
Ability to underwrite a high volume of loan applications maintaining accuracy and consistency
Ability to handle confidential material in a professional manner

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