Underwriter, Mortgage Resume Sample

5.0
9 votes
Price Hamill
3976 Mathias Squares,  Houston, TX
+1 (555) 839 3793

Work Experience


Underwriter Forensic Mortgage Lead
05/2016 - PRESENT
New York, NY
  • 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
  • VA/FHA Underwriting Exp
  • DE CHUMS Certification
  • Front Line Mortgage Experience
  • Grasp concepts quickly, make sound decisions and ability to communicate effectively with PMI personnel, Investors, VA and branch associates
  • 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
  • Proven ability to make accurate decisions within acceptable timeframes
  • Two years of mortgage loan underwriting experience or equivalent
  • Direct Endorsement and Staff Appraisal Reviewer Certifications INDBBTMG
Mortgage Banking Collateral Underwriter
01/2014 - 02/2016
Boston, MA
  • Five years of mortgage loan underwriting experience or equivalent
  • Five years of mortgage loan underwriting experience with experience in Conventional and VA (SAR) loans or comparable experience in loan processing and/or originating
  • Washington State driver’s license and proof of auto insurance required. Position involves limited travel
  • Complete a comprehensive re-underwrite of a pre-determined percentage of files after closing including but not limited to: verifying accuracy and integrity of loan documentation and regulatory compliance; validating the underwriter’s calculations; and verifying the loan meets investor requirements
  • Re-underwrite commercial mortgages already on RBC’s balance sheet for contribution to securitization pools
  • Review bank statements or quarterly financials to determine borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
  • Review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
  • Contact outside third parties on occasion to obtain additional information, as required
  • Familiar with Fannie Mae, Freddie Mac and FHA credit and collateral policy
Mortgage Government Underwriter
03/2009 - 08/2013
Phoenix, AZ
  • Microsoft products, specifically Outlook, Word and Excel
  • Providing excellent customer/partner service
  • Review bank statements or quarterly financials to determine the borrower’s account activity including determining large deposits as defined in the investor/insurer guidelines
  • Proactively manage daily reports ensuring SLA’s are consistently met
  • Review bank statements or quarterly financials to determine borrower’s account activity including evaluating large deposits as defined in the investor/insurer guidelines
  • Request additional information, documentation and/or development from correspondents to ensure all loans underwritten and purchased meet BB&T/Investor guidelines
  • Assist correspondents/other department personnel in interpreting underwriting guideline changes

Education


University of Phoenix - New Mexico Campus
2004 - 2009
Bachelor's Degree in Business

Professional Skills


  • Exhibit excellent analytical skills and attention to detail
  • Need to have moderate PC skills, including word processing and spreadsheets
  • Appraisal review experience or 3-5 years underwriting experience, required
  • Appraisal review experience as a licensed appraiser (certified residential or general) or 2 years underwriting experience, required
  • Strong comprehension of HUD Handbook 4155.1 and 4155.2In-depth pipeline management experience required
  • Strong technical skill (technology programs)
  • Great organizational, written and oral communication skills

How to write Underwriter, Mortgage Resume

Underwriter, Mortgage role is responsible for word, travel, insurance, research, reporting, mac, training, credit, administration, mortgage.
To write great resume for underwriter, mortgage job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Underwriter, Mortgage Resume

The section contact information is important in your underwriter, mortgage resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Underwriter, Mortgage Resume

The section work experience is an essential part of your underwriter, mortgage resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous underwriter, mortgage responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular underwriter, mortgage position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions. Representative Underwriter, Mortgage resume experience can include:

  • Effectively manage time in support of production requirements
  • Leverage technical skills
  • Strong comprehension of HUD Handbook 4155.1 and 4155.2
  • In-depth pipeline management experience required
  • Appraisal review experience as a licensed appraiser (certified residential or general)
  • Real Estate Appraisal Review Experience required

Education on an Underwriter, Mortgage Resume

Make sure to make education a priority on your underwriter, mortgage resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your underwriter, mortgage experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Underwriter, Mortgage Resume

When listing skills on your underwriter, mortgage resume, remember always to be honest about your level of ability. Include the Skills section after experience. Present the most important skills in your resume, there's a list of typical underwriter, mortgage skills:

  • Proficient in Encompass, Microsoft Excel and Word, and up-to-date knowledge of Automated Underwriting Systems (AUS), including Fannie Mae’s DU and Freddie Mac’s LP systems
  • Demonstrate understanding and assessment of risk in making high quality underwriting decisions
  • Works well under pressure of competing priorties
  • Appraisal review experience as a licensed appraiser (certified residential or general) or 5 years underwriting
  • Answering appraisal underwriting questions in support of internal partners
  • Working knowledge of competitive marketplace and trends in product offerings

List of Typical Skills For an Underwriter, Mortgage Resume

1

Skills For Mortgage Banking Collateral Underwriter Resume

  • Experience Underwriting Jumbo and non-conforming loans
  • Correspond with Mortgage Insurance (MI) companies regarding loan approvals, securing required information, and clarifying BB&T/Investor guidelines
  • Assist correspondents/other underwriting personnel in analyzing complex mortgage and complex self-employed borrowers
  • Identifies risks associated with mortgage loan files, escalating issues to manager. Adheres to all Service Level Agreements and performance guidelines
  • Independently verify certain data supplied within appraisals, leveraging alternative data sources
  • Understand and leverage output of collateral risk tools (FNC, GAAR, FNMA CU, CA) in performance of appraisal underwriting functions
2

Skills For Underwriter Forensic Mortgage Lead Resume

  • Review Level 1, 2, and 3 complexity appraisals and render underwriting decisions
  • Answer appraisal underwriting questions in support of internal partners
  • Understand and leverage output of collateral risk tools Make high quality underwriting decisions
  • Maintains a general knowledge of lending policies and an in-depth knowledge of appraisals, bank appraisal regulations, and USPAP
  • Collaborate with underwriters and loan officers regarding value concerns
3

Skills For Mortgage Operations, Underwriter Resume

  • FNMA Condo Underwriting within mortgage industry, required
  • Thorough understanding of FNMA project review guidelines, technology, eligibility, and process
  • Adapt quickly to a rapidly changing environment
  • Acts in full compliance with all Bank policies, directives/procedures and external regulations to protect the Banks assets
  • Ensures all necessary documentation is completed for all transactions. Handles all customer information with highest level of confidentiality and security. Project a professional and consistent image by adhering to organizations brand, corporate identity and standards at all times
4

Skills For Mortgage Government Underwriter Resume

  • Underwrite Level 2 appraisals
  • Review High Risk appraisals
  • Independently verify certain data supplied within appraisals
  • Underwrite and disposition first mortgage loans transactions (65%)
  • Analyze and resolve routine/complex operational problems (20%)
  • Reviews guidelines and works with Fannie Mae’s Condo Project Approval
  • Monitoring the department email box to complete requests and research while providing guidance to questions from the Loan Officer, Sales Manager and Processor as well as processing all the Prequal declines
5

Skills For Mortgage Prefunding Review Underwriter Resume

  • Accurately decision loans
  • Multi Task successfully
  • Risk Management (15%)

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