Underwriter, Mortgage Resume Samples

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D Kshlerin

Dayana

Kshlerin

2190 Pfeffer Shores

Philadelphia

+1 (555) 893 1015

2190 Pfeffer Shores

Philadelphia

Phone

p +1 (555) 893 1015

Experience Experience

Houston, TX

Mortgage Banking Underwriter

Houston, TX

Steuber, Wintheiser and Beatty

Houston, TX

Mortgage Banking Underwriter

Applies knowledge of mortgage servicing process and/or Chase credit underwriting guidelines
Applies knowledge of mortgage servicing process and/or Chase credit
Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity
Achieves and exceeds work goals for productivity, quality and turnaround time
Analyzes difficult and challenging problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings with clarity
Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
Adheres to all Chase Fair Lending practices

New York, NY

Underwriter Ii Mortgage Banking

New York, NY

Brakus-Funk

New York, NY

Underwriter Ii Mortgage Banking

Applies knowledge of mortgage servicing process underwriting guidelines
Achieves work goals for productivity, quality and turn time
Applies relevant technical and computer expertise
Prioritizes workflows
Keep up to date on all credit policy changes that impact underwriting
Credit and/or collateral Underwriting
Demonstrates a determination to get the job done right the first time ensuring loan decisions meet all program and product specifications

present

Houston, TX

Mortgage Lending Production Quality Monitoring Risk Underwriter

Houston, TX

Gorczany, Schmidt and Legros

present

Houston, TX

Mortgage Lending Production Quality Monitoring Risk Underwriter

present

Assist in management and coordination of audits performed by internal/external auditors with respect to mortgage Retail, HMD and CL
Assist in management and coordination of audits performed by internal/external auditors with respect to mortgage Retail, HMD and/or CL
Assist with the development and updating of departmental procedures
Perform scheduled testing of various mortgage loan origination operations policies and procedures
Assist with monitoring of internal control records and business recovery plans for Mortgage Lending Administration (MLA)
Embrace change, acting as a role model and promoting a mindset of continuous improvement
Review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines

Education Education

Bachelor’s Degree in Business

James Madison University

Bachelor’s Degree in Business

Skills Skills

Demonstrated proficiency in basic computer applications, such as Microsoft Office software products
Five years of experience in quality assurance, quality control, mortgage underwriting or similar experience, risk management, and/or regulatory compliance
Three years of experience in quality assurance, quality control, mortgage underwriting or similar experience, risk management, and/or regulatory compliance
Ability to support multiple tasks, with varying levels of complexity, importance and involvement
Ability to travel, occasionally overnight
Excellent interpersonal, leadership, analytical and problem-solving skills
Excellent verbal and written communication skills
Detail-oriented, motivated and function well in a team environment
Veterans Affair – Staff Appraisal Reviewer (VA SAR)
Experience with identifying operational risks and developing mitigating controls desired

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Mortgage Banking Collateral Underwriter Resume Examples & Samples

Underwriting experience preferred
Minimum 5 years of experience in the mortgage lending/servicing business or appraisals
Strong technical skills (Microsoft Office, SharePoint, etc.)
Strong communication skills (written and oral)
Work well under pressure

Mortgage OPS Underwriter Resume Examples & Samples

Review
2 - 5 Years of Underwriting experience
Conventional, FHA or VA underwriting experience preferred
Direct Endorsement (DE) and/or LAPP/SAR certification preferred
Detailed knowledge of Conventional and Government loan products required
Thorough knowledge of FHA, VA, FHLMC and FNMA credit guidelines required
Outstanding communication skills
Capable of working under pressure from internal and external customers to meet

Mortgage Lending Underwriter Resume Examples & Samples

Request additional information and/or documentation from originating offices, as needed
Provide monthly feedback to the Regional Mortgage Managers (RMMs) and Loan Processing Supervisors on issues related to the mortgage lending process and provide daily feedback to the mortgage lenders
Prepare files for submission to Federal Housing Authority (FHA), Veteran Affairs (VA), investors or Private Mortgage Insurance (PMI) companies as needed
Correspond with PMI companies regarding loan approvals and assist in coordinating required information
Ability to grasp concepts quickly, make sound decisions and ability to communicate effectively with PMI personnel, Investors, FHA, VA and branch personnel
Proficient problem-solving ability
Five years of experience as a Mortgage Loan Underwriter or Underwriting Assistant

Mortgage Banking Underwriter Supervisor Resume Examples & Samples

Three years of Underwriting, Quality Control or equivalent experience in the Mortgage Industry
Prior management or supervisor experience preferred
Ability to articulate decisions and discuss options with confidence

Mortgage Banking Underwriter Resume Examples & Samples

Reviews all loan underwriting and modifications documentation to ensure compliance with investor requirements (e.g. loan documents, appraisals, etc)
Analyzes complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
Analyzes difficult and challenging problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings with clarity
Keep up to date on all credit policy changes that impact underwriting
Achieves and exceeds work goals for productivity, quality and turnaround time
Thorough knowledge of complex personal and business financial analysis and an expertise in tax return, balance sheet analysis including cash flow and self employment income analysis
Demonstrated expertise of Conventional or Government or Jumbo lending guidelines
Thorough knowledge of Mortgage Insurance policies

Mortgage Lending Underwriter Iii Fha Resume Examples & Samples

Perform detailed underwriting analysis on more complex mortgages exceeding the conforming loan limit and on complex self-employed borrowers which pose higher credit risk
Assist Mortgage Loan Production Managers in goal setting, appraiser evaluations and training
High School diploma or equivalent education and related experience
Demonstrated proficiency in basic computer applications such as Microsoft Office software products
Exposure to Home Loan Mortgage Corporate/Federal National Mortgage Association (FHLMC/FNMA), FHA and VA training sessions

Mortgage Operations, Underwriter Resume Examples & Samples

Undergraduate degree or equivalent work experience as a first mortgage underwriter,i.e.5 to 7 years of previous first mortgage underwriting experience
Expert knowledge of real estate lending products,regulatory compliance and secondary market guidelines (FNMA/FHLMC)
Excellent judgment,logic and reasoning

Commercial Mortgage Backed Securities Underwriter Resume Examples & Samples

Underwrite with a CMBS/Capital Markets perspective, new origination of commercial mortgages for ultimate securitization
Interact directly with Rating Agencies and B Piece Buyers relating to potential ratings on new origination and seasoned large loan transactions
Re-underwrite commercial mortgages already on RBC’s balance sheet for contribution to securitization pools
Participate in / contribute to initiatives to launch / improve the commercial mortgage securitization process
Keep current on national and regional real estate market trends which may impact property values

Underwriter Ii Mortgage Banking Resume Examples & Samples

Applies knowledge of mortgage servicing process underwriting guidelines
Reviews all loan underwriting and modifications documentation to ensure compliance with investor requirements
Writes effective communications
Effectively partners with internal and external
Demonstrates a determination to get the job done right the first time ensuring loan decisions meet all program and product specifications
Knowledge of Government mortgage underwriting guidelines preferred
Excellent analytical and decision making skills

Mortgage Lending Underwriter Resume Examples & Samples

Ensure loan files are properly set up based on loan type and originating office
Prepare files for submission to Federal Housing Authority (FHA), Veteran Affairs (VA), Investors or Private Mortgage Insurance (PMI) companies as needed
Request additional information and/or documentation from origination offices, as needed, and educate originators through appropriate timely feedback
Provide useful feedback on a timely basis to branch mortgage associates and supervisors
Two years of mortgage loan underwriting experience or comparable experience in loan processing and/or originating
Ability to grasp concepts quickly, make sound decisions and ability to communicate effectively with PMI personnel, Investors, FHA, VA and branch associates
Two years of mortgage lending experience as a Mortgage Lending Underwriter or Underwriting Assistant

Mortgage Lending Underwriter Resume Examples & Samples

Perform detailed underwriting analysis on more complex mortgages exceeding the conforming loan limit and on complex self-employed borrowers
Request additional information and/or documentation from originating offices as needed and educate originators through appropriate timely feedback
Perform annual lending performance reviews on branch associates
Four years of mortgage loan underwriting experience or comparable experience in loan processing and/or originating
Must be able to grasp concepts quickly, make sound decisions and ability to communicate effectively with PMI personnel, investors, FHA, VA and branch associates
Previous exposure to Home Loan Mortgage Corporate/Federal National Mortgage Association (FHLMC/FNMA), FHA and VA training sessions
Four years of mortgage loan experience as a Mortgage Loan Underwriter or Underwriting Assistant

Mortgage Lending Production Quality Monitoring Risk Underwriter Resume Examples & Samples

Review/re-underwrite loans by performing a comprehensive loan level underwrite, systems risk and compliance analyses of mortgage loan origination operations (Retail, HMD and CL) for adherence to all investors, insurers, and federal regulations
Ability to review income tax returns with all schedules and communicate calculations verbally and in writing
Ability to determine credit worthiness of a borrower to include knowing how to read a credit report, identify red flags and question items that are suspicious in nature
Ability to review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
Ability to review an appraisal report and determine if the value stated was supported
Identify, compose, and ensure follow up of action plans identified during quality monitoring ensuring to escalate any issues that are not being remediated promptly by proactively partnering with the appropriate line of business (LOB) to resolve
Perform scheduled testing of various mortgage loan origination operations policies and procedures
Analyze data and produce scheduled quality control reports and make recommendations as to appropriate corrective action or gap-related solutions
Report to Mortgage Lending Production Quality Monitoring Risk or Investor, Insurer Manager material findings with respect to violations of federal regulation, investor/insurer guidelines, or suspicious loan activity
Assist with the development and updating of departmental procedures
Act as an alternate information security liaison for Retail, HMD and CL
Assist with monitoring of internal control records and business recovery plans for Mortgage Lending Administration (MLA)
Assist in management and coordination of audits performed by internal/external auditors with respect to mortgage Retail, HMD and CL
Assist with research and analyses of emerging loan origination related industry actions and concerns
Promote effective communication with business partners to achieve optimum feedback and improve the value of the recommended actions to the line of business (LOB). Ability to discuss findings and support decisions rendered
Ensure all actions are aligned with BB&T mission, vision, and values
Five years of recent mortgage experience, quality monitoring/assurance/control, mortgage loan origination operations (Retail, HMD and CL), risk management, and/or regulatory compliance
Significant experience underwriting FHA/VA/USDA/FNMA/FHLMC loans. Direct Endorsement (DE) Underwriter certification
Strong knowledge of investor/insurer guidelines, applicable laws, regulations, and company audit policies and procedures and the ability to effectively interact with all levels of senior management, Federal Deposit Insurance Corporation (FDIC), Consumer Financial Protection Bureau (CFPB)
Strong understanding of mortgage documentation and compliance requirements (e.g. allowable fees, Good Faith Estimate (GFE) to Housing and Urban Development (HUD-1) comparisons, exception tolerances, and completing self-employed analysis)
Experience with identifying operational risks and developing mitigating controls desired
Ability to support multiple tasks, with varying levels of complexity, importance and involvement
Excellent interpersonal, leadership, analytical and problem-solving skills
Detail-oriented, motivated and function well in a team environment
Must exhibit a keen attention to detail and the ability to quickly comprehend information
MBA supplemental education and/or experience in mortgage loan origination operations (Retail, HMD and CL), including audit, quality control, underwriting or regulatory compliance
Strong knowledge of the Unifi mortgage loan origination systems and overall mortgage production processes (e.g. origination, processing, underwriting, closing, and government insuring)
Veterans Affair – Staff Appraisal Reviewer (VA SAR)

Mortgage Lending Production Quality Monitoring Risk Underwriter Resume Examples & Samples

Review/re-underwrite loans by performing a comprehensive loan level underwrite, systems risk and compliance analyses of mortgage loan origination operations (Retail, HMD and/or CL) for adherence to all investors, insurers, and federal regulations
Ability to review bank statements or quarterly financials to determine borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
Identify, compose, and ensure follow up of action plans identified during quality monitoring ensuring to escalate any issues that are not being remediated promptly by partnering with the appropriate line of business (LOB) to resolve
Report to Mortgage Lending Production Quality Monitoring Risk Manager material findings with respect to violations of federal regulation, investor/insurer guidelines, or suspicious loan activity
Act as an alternate information security liaison for Retail, HMD and/or CL
Assist with monitoring internal control records and business recovery plans for Mortgage Lending Administration (MLA)
Assist in management and coordination of audits performed by internal/external auditors with respect to mortgage Retail, HMD and/or CL
Promote effective communication with business partners to achieve optimum feedback and improve the value of the recommended actions to the LOB. Ability to discuss findings and support underwriting decisions rendered
Three years of experience in quality assurance, quality control, mortgage underwriting or similar experience, risk management, and/or regulatory compliance
Must have experience underwriting Freddie Mac/Fannie Mae loans
Strong knowledge of investor/insurer guidelines, applicable laws, regulations, and company audit policies and procedures and the ability to effectively interact with all levels of senior management, Federal Deposit Insurance Corporation (FDIC), and Consumer Financial Protection Bureau (CFPB)
Strong understanding of mortgage documentation and compliance requirements (e.g. allowable fees, Good Faith Estimate (GFE) to Housing and Urban Development (HUD-1) comparisons, exception tolerances)
MBA supplemental education and/or experience in mortgage loan origination operations (Retail, HMD and/or CL), including audit, quality control, underwriting or regulatory compliance

FHA DE Mortgage Lending Underwriter Resume Examples & Samples

Provide assistance and direction to mortgage lenders on issues regarding Mortgage Lending (ML) policies, procedures and system guidelines
Perform detailed underwriting analysis on conforming loans for both credit and documentation deficiencies and determine marketability of each loan
Exercise delegated loan approval on PMI Insured, FHA and VA loans when applicable
Notify originators and other interested parties when loans are approved for closing
Assist in evaluating and implementing underwriting guidelines as conditions dictate
Five years of mortgage loan underwriting experience or comparable experience in loan processing and/or originating

Mortgage Banking PAG Underwriter Resume Examples & Samples

Evaluate new and existing project documentation including, but not limited to, appraisals, budgets, financial statements, reserve studies, Covenants, Conditions & Restrictions (CC&Rs), Offering Plans (& Amendments), By-Laws, surveys, plat maps, Engineers Report, Insurance Declarations and Policies, Leasehold Agreements, and Project Questionnaires to determine acceptability with Chase lending policies
Minimum 1 years experience underwriting condo or cooperative transactions
Working knowledge of Fannie Mae, Freddie Mac, FHA and Chase residential project guidelines
Experience analyzing financial information and appraisals
Working in a team environment

Mortgage Lending Production Quality Monitoring Risk Underwriter Resume Examples & Samples

Validate/re-underwrite loans by performing a comprehensive loan level underwrite, systems risk and compliance analyses of mortgage loan origination operations (Retail, HMD and CL) for adherence to all investors, insurers, federal regulations and BB&T
Review income tax returns with all schedules and communicate calculations verbally and in writing
Determine credit worthiness of a borrower to include knowing how to read a credit report, identify red flags and question items that are suspicious in nature
Review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
Review an appraisal report in adherence to investors and insurer guidelines to determine if the opinion of value stated by the appraiser was supported with the comparables provided
Complete HUD Branch Office reviews to make sure the branch is setup properly and complies with all requirements set forth by HUD. Reviews will be completed on and offsite
Review non-originated loans for regulatory compliance with Equal Credit Opportunity Act, Fair Lending, Regulation B and Regulation C (HMDA)
Identify, create, and ensure follow-up of action plans identified during quality monitoring ensuring to escalate any issues that are not being remediated promptly by proactively partnering with the appropriate line of business (LOB) to resolve
Report to Mortgage Lending Production Quality Monitoring Investor and Insurer Risk Manager material findings with respect to violations of federal regulation, investor/insurer guidelines, or suspicious loan activity
Promote effective communication with business partners to achieve optimum feedback and improve the value of the recommended actions to the LOB. Ability to discuss findings and support decisions rendered
Ensure all actions are aligned with BB&T Mission, Vision, and Values
Ten years of recent mortgage underwriting experience, quality monitoring/assurance/control, mortgage loan origination operations (Retail, HMD and CL), risk management, and/or regulatory compliance
Significant experience underwriting FHA/VA/USDA/FNMA/FHLMC loans
Direct Endorsement (DE) Underwriter certification
Strong understanding of mortgage documentation and regulatory compliance requirements (e.g. allowable fees, Good Faith Estimate (GFE) to Housing and Urban Development (HUD-1) comparisons, exception tolerances, and completing self-employed analysis)
Master’s in Business Administration (MBA) supplemental education and/or experience in mortgage loan origination operations (Retail, HMD and CL), including audit, quality control, underwriting or regulatory compliance
Experience with identifying operational risks and developing mitigating controls

Mortgage Banking Collateral Underwriter Resume Examples & Samples

5 years appraisal review experience or as an appraiser or 5 years underwriting experience, required
FHA and/or VA Appraisal/LAAP Certification preferred
Prefer minimum two years of experience in the mortgage lending/servicing business or appraisals

Mortgage Banking Collateral Underwriter Supervisor Resume Examples & Samples

Escalation point for team and internal partners
Ensure team consistently meets or exceeds established productivity and quality targets
Improve timeliness and effectiveness of the team/department
Proactively manage daily reports ensuring SLA’s are consistently met
Monitor Team's progress working follow up items
Underwrite Appraisals as necessary
High school diploma or equivalent is required, business degree preferred
3-5 years supervisory experience in mortgage banking
Process Improvement experience

Mortgage Lending Underwriter Resume Examples & Samples

VA/FHA Underwriting Exp
DE CHUMS Certification
SAR Certification
Front Line Mortgage Experience

Mortgage Banking Collateral Underwriter Resume Examples & Samples

Risk-focused review of residential appraisals including conformance with USPAP and bank appraisal regulations for all residential real property types
Adjusts review standards based on complexity of a transaction, type of real property and the market in which the property is located
Identifies appraisal deficiencies and recommends resolutions

Mortgage Lending Production Quality Monitoring Risk Underwriter Resume Examples & Samples

Validate/re-underwrite loans by performing a comprehensive loan level underwrite, systems risk and compliance analyses of mortgage loan origination operations (Retail, HMD and/or CL) for adherence to all investors, insurers, federal regulations and BB&T
Determine credit worthiness of a borrower to include knowing how to read a credit report, identify red flags and question items that are suspicious in nature that may result in unnecessary risk and fines to BB&T
Review bank statements or quarterly financials to determine borrower’s account activity including evaluating large deposits as defined in the investor/insurer guidelines
Evaluate an appraisal report in adherence to investors and insurer guidelines to determine if the opinion of value stated by the appraiser was supported with the comparables provided
Identify, create, and ensure follow-up of action plans identified during quality monitoring ensuring to escalate any issues that are not being remediated promptly by partnering with the appropriate line of business (LOB) to resolve
Ensure all actions are aligned with BB&T Mission, Vision and Values
Five years of experience in quality assurance, quality control, mortgage underwriting or similar experience, risk management, and/or regulatory compliance
Experience underwriting Freddie Mac/Fannie Mae loans
Strong understanding of mortgage documentation and regulatory compliance requirements (e.g. allowable fees, Good Faith Estimate (GFE) to Housing and Urban Development (HUD-1) comparisons, exception tolerances)
Master’s in Business Administration (MBA) supplemental education and/or experience in mortgage loan origination operations (Retail, HMD and/or CL), including audit, quality control, underwriting or regulatory compliance

Mortgage Lending Underwriter Resume Examples & Samples

Perform detailed underwriting analysis on all BB&T Mortgage loan products including calculating all income types (e.g. wage earner, retirement, self-employed), calculating complex financial analysis as needed, analyzing real estate appraisals to determine if collateral is acceptable, analyzing title report and lien information, reviewing all financial statements, and reviewing all additional documentation to determine accuracy and compliance with portfolio and investor guidelines prior to approval. Ensure that all loan files are documented per portfolio and investor guidelines to ensure marketability. Verify that all underwriting exceptions are thoroughly documented
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
Request additional information and/or documentation from Mortgage Loan Processors and Mortgage Loan Originators through appropriate timely feedback
Conduct proactive and effective pipeline management in accordance with performance standard expectations
Develop and maintain positive working relationship with co-workers, internal and external clients/business partners and vendors
Maintain low early pay default rate as per performance expectations
Assist Mortgage Loan Originators in restructuring loan applications based on counter offer availability
Four years of mortgage loan underwriting experience or equivalent
Ability to utilize mortgage automated processing system
Excellent communication skills, both written and verbal, in relating to internal and external clients
Bachelor’s degree in business-related field
Basic knowledge of other bank services and products
Direct Endorsement and Staff Appraisal Reviewer Certifications

Mortgage Loan Quality Underwriter Resume Examples & Samples

Perform pre-funding and post-closing Quality Control reviews within SLA timeframes and/or ensure that external quality control vendors have performed reviews in a timely manner
Demonstrate the ability to perform a detailed analysis of mortgage loan documents based on mortgage portfolio, investor, agency, and compliance requirements. This includes verifying underwriter analysis, adherence to guidelines and procedures and the ability to recognize red flags
Organize and maintain data using various systems. This includes web-based and Microsoft applications (Excel and Access)
Document and communicate the results of the reviews
Recommend reasonable corrective action relative to quality control findings
Monitor quality findings and the ongoing resolution process
Follow-up with business unit to ensure corrective action sufficiently addresses the compliance, operational or credit issues identified
Appropriately raise and/or escalate problems and issues to management
Provide timely and appropriate feedback to quality control vendors
Assist with timely and accurate reporting of all quality control findings, action plans and root cause analyses
Have a friendly, positive and professional demeanor and a willingness to grow
Provide excellent oral and written communications (detail-oriented)
Education – B.A / B.S college degree
At least five years of recent residential mortgage experience in residential loan underwriting, credit or quality control with compliance document review knowledge
Strong understanding of mortgage lending including underwriting, operations and mortgage compliance
Strong understanding of the HNW/UHNW business or ability to learn quickly
Working knowledge of the current FNMA, FHLMC, etc. Quality Control standards a plus
Accurate ability to perform in-depth reviews of residential loan files in accordance with internal and external Quality Control standards
Ability to demonstrate a Control mind-set and to make decisions and propose recommendations to mitigate or reduce risk to the business
Proficient in Microsoft Word, Excel, PowerPoint, Outlook and Visio (report building a plus)
Ability to work with changing and challenging deadlines and multitask
Strong communication skills – both verbally (assertive, clear, direct) and written (proposals, presentations, reporting)
An expert problem solver

Mortgage Banking Underwriter Resume Examples & Samples

Applies knowledge of mortgage servicing process and/or Chase credit
Minimum of 3 years’ experience as a residential mortgage underwriter
Thorough knowledge of complex personal and business financial

Mortgage Banking Correspondent Underwriter Resume Examples & Samples

3-5 years experience as frontline residential mortgage underwriter required
Expert knowledge of complex personal and business financial analysis and an expertise in tax return, balance sheet analysis including cash flow and self employment income analysis
Knowledge and proficiency in all levels of mortgage underwriting including Conventional, Jumbo and Super Jumbo mortgage lending preferred
Government designations may be required (VA credit, VA, LAPP, FHA DE)

Mortgage Lending Correspondent Lending Underwriter Resume Examples & Samples

Perform detailed pre-funding/pre-close underwriting analyses on more complex mortgages exceeding the conforming loan limit and complex self-employed borrowers which pose higher credit risk
Approve acceptable loans within delegated credit approval authority
Provide assistance and direction to correspondents/other department personnel on issues regarding BB&T, Federal Home Loan Mortgage Corporation (FHLMC), Federal National Mortgage Association (FNMA), FHA, VA, and Rural Housing lending policies and compliance-related issues
Perform post-purchase credit and property reviews on loans purchased from correspondents with delegated underwriting authority
Five years of experience in mortgage loan production, processing, closing or loan review
Three years of underwriting experience
Proven ability to communicate effectively and professionally
Solid working knowledge of FHLMC/FNMA, FHA, VA and Rural Housing guidelines
Five years of underwriting experience

Mortgage Lending Correspondent Lending Underwriter Resume Examples & Samples

Request additional information, documentation and/or development from correspondents to ensure all loans underwritten and purchased meet BB&T/Investor guidelines. Perform post-purchase credit and property reviews on loans purchased from correspondents with delegated underwriting authority
Assist correspondents/other underwriting personnel in analyzing complex mortgages and complex self-employed borrowers
Three years of experience in mortgage loan production, processing, closing or review
One year of underwriting experience
Two years of experience in mortgage underwriting

Mortgage Prefunding Review Underwriter Resume Examples & Samples

Conduct a random pre-closing review of loans
Documents used in the loan approval process will be sent to the OTS Review Specialist
Review the file and give a scorecard based on quality and compliance
Errors found must be corrected by the OTS certified associate before the OTS Review Specialist will release the loan for closing
Reviews agency eligible loans which have been approved by Underwriters/Certified Processors
Conducts a random pre-closing review of loans
Sends documents used in the loan approval process to the Prefunding Review Specialist
File will be reviewed and given a scorecard based on quality and compliance
Errors found must be corrected by the Underwriter/Certified Processor before the Prefunding Review Specialist will release the loan for closing

Mortgage Banking Short Sale Underwriter Resume Examples & Samples

Effectively partners with internal and external parties
Knowledge of personal and business financial analysis, tax returns, balance sheet analysis including cash flow and self employment income analysis
College degree and/or equivalent work experience preferred

Mortgage QC Underwriter Resume Examples & Samples

Reviewing loan files for completeness and accuracy
Determining and documenting loan conditions and communicating requirements and/or decisions
High producer with attention to quality
Ability to move between projects for transnational assignments

Mortgage Credit / Compliance Underwriter Resume Examples & Samples

Experience with mortgage industry credit guidelines and policies for VA, FHA, FNMA, FHLMC & USDA
Knowledge must include: calculation and verification of income & assets, evaluation of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation
Knowledge of AUS analysis to determine applicable loan conditions
Knowledge of appraisal evaluation to identify deficiencies therein

Mortgage Condos Project Underwriter Resume Examples & Samples

Reviews and decisions condo projects & individual unit loans
Reviews all budget, reserves, insurance coverage, deductibles, decs, by-laws and legal documents for the project and unit
Works with branches on a daily basis to train on condos
Reviews guidelines and works with Fannie Mae’s Condo Project Approval
Works with condo team to streamline the condo review process

Mortgage Banking Underwriter Control Analyst Resume Examples & Samples

5+ years mortgage banking experience
Minimum 3 years experience in Underwriting or Quality Control experience preferred
Bachelor's degree or equivalent preferred
Ability to work well in fast paced/multi-tasking environment
Ability to be flexible, follow tight deadlines, organize and prioritize work
Demonstrated knowledge of mortgage industry in areas of investor, insurer,regulatory, and state requirements; remedies available for specific loan types; and real estate fundamentals preferred
Working knowledge of mortgage lending systems

Mortgage Banking Collateral Underwriter Resume Examples & Samples

High school diploma or equivalent is required, college degree preferred
Minimum 5 years of experience in the real estate appraisal industry or 5 years loan origination underwriting experience including making underwriter decision on collateral
Experience as a real estate appraiser is a plus

Underwriter Forensic Mortgage Lead Resume Examples & Samples

Works closely with the Quality Control department to facilitate timely self-reporting of loans to investors and insurers
May re-underwrite loan files as needed to investigate suspicious transactions
Maintains records and documentations needed to meet Regulatory and Audit requirements
Resource to other Fraud Investigators
Participates in forensic, fraud and security professional organizations; and maintains a network with other financial institution personnel
Contributes to an effective working relationship with the various federal and local law enforcement agencies
Works with the Security Officer and Manager to enhance the effectiveness and efficiency of the function and supports the corporate strategic objectives and plans
Advises the Organization of major problems encountered in a timely manner
Minimum of 10 years’ experience in mortgage loan underwriting or mortgage quality control fraud investigation
Aptitude to identify red flags for potential misrepresentation and fraud
Review information contained in the loan files, taking appropriate action, such as: utilizing online research tools, determining alternative options, requesting missing documentation from appropriate sources, etc
High degree of initiative, dependability and ability to work with little supervision
Ability to work cooperatively with, and maintain effective communication and working relationships with, co-workers and manager
Able to accept and facilitate change, whether indicated by corporate needs, market or regulatory requirements
Washington State driver’s license and proof of auto insurance required. Position involves limited travel

Mortgage Government Underwriter Resume Examples & Samples

Underwrite and sign-off on one to four family residential conventional transactions in compliance with FNMA, FHLMC, FHA, VA Investor specific and State and Federal requirements. Underwite jumbo mortgage loans
Must have experience with Conventional; An FHA DE Underwriter and VA SAR
May act as a team lead and provide support, guidance and training to assigned staff
Complete understanding of the legal, compliance and Investor requirements of residential mortgage products including conforming, alternative and government programs
Proficiency in various computer software programs including Microsoft Office, database management and other business applications
Flexibility to handle constantly changing multiple priorities and work well under pressure in a fast paced environment
Ability to handle confidential information in a professional manner
Ability to work with minimal supervision
Must be able to sit, walk or stand for extended periods