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Mortgage Underwriter C.V Example Mortgage Underwriter Resume Sample

The following is an example of a qualified / professional Mortgage Underwriter resume sample(s). These resume examples uses an integration resume layout. The Resume initiates with the applicants qualification profile, outlining key-qualifications for Mortgage job field.

Then, the candidate has an outline of their full work experience (employment history) in sequential order with employment dates on file.

Next is the Educational background, listed in descending order (most recent first). It then moves onto the Professional Background, highlighting skills separated into professional & personal skills.

And lastly, Certifications/Licenses that the candidate it involved with. Then a final part displays any other additional information that the candidate want it to be listed.

Resume Example for Mortgage Underwriter

Mortgage Underwriter – F&M Bank/FMB Mortgage

Harrah, OK

Willing to relocate: Anywhere

Authorized to work in the US for any employer

Work Experience

Mortgage Underwriter

F&M Bank/FMB Mortgage

August 2016 to Present

Responsible for reviewing, analyzing and making credit decisions on FHA, VA, USDA Rural Development and conventional loans for sale on the Secondary Market and for in-house loans as needed. Income, credit, asset and collateral analysis, reviewing loans to ensure product/investor guidelines are met, working with sales and processing partners to achieve a complete and accurate transaction. Review loan documentation to ensure consistency and compliance within industry standards, QM, ATR and salability. Perform income, credit reviews and/or collateral reviews to determine if a loan is eligible prior to a loan being submitted for underwriting. 
 
Key Results 
• 100% purchase and quality records to date. 
• Review, analyze and make final determination on loan submissions validating automated underwriting decisions as well as using manual underwriting guidelines. 
• Review collateral to determine value is determined by acceptable USPAP appraisal practices and support loan request, including issuing NOVs. 
• Work with team members (processors, loan officers, etc.) to identify potential solutions/alternatives for challenging/denied loan files. 
• Communicate with internal clients regarding inquiries pertaining to loan programs and underwriting. 
• Staying up-to-date with the ongoing changes in the mortgage industry. 
• Work with management to increase efficiency and productivity within the department. 
• FHA Coordinator and VA Administrator.

Mortgage Underwriter III

First Fidelity Bank

May 2015 to Present

Banking Officer 
 
Serving as the only mortgage underwriter for five Mortgage Account Executives, two Processors and one Closer/Funder. Responsible for reviewing, analyzing and making credit decisions on FHA, VA and conventional loans for sale on the Secondary Market and for in-house loans as needed. Income, credit, asset and collateral analysis, reviewing loans to ensure product/investor guidelines are met, working with sales and processing partners to achieve a complete and accurate transaction. Review loan documentation to ensure consistency and compliance within industry standards, QM, ATR and salability. Perform income and credit reviews, collateral reviews, run DU to determine if a loan is eligible prior to a loan being submitted for underwriting. 
 
Key Results 
• 100% purchase and quality records. 
• Review, analyze and make final determination on loan submissions validating automated underwriting decisions as well as using manual underwriting guidelines. 
• Review collateral to determine value is determined by acceptable USPAP appraisal practices and support loan request, including issuing NOVs. 
• Work with team members (processors, loan officers, etc.) to identify potential solutions/alternatives for challenging/denied loan files. 
• Communicate with internal clients regarding inquiries pertaining to loan programs and underwriting. 
• Staying up-to-date with the ongoing changes in the mortgage industry. 
• Work with management to increase efficiency and productivity within the department. 
• Train staff on new products being added and updates to existing products. 
• Shipping loans to investors within allotted time frames. 
• FHA Coordinator and VA Administrator. 
• Insuring FHA loans, prepare and ship FHA case binders to HUD, and transferring servicer/holder. 
• Insuring VA loans and obtaining Loan Guaranty Certificates. 
• Assisting in the Operations Manager’s responsibilities, processing, closing and funding as needed.

Mortgage Underwriter II

Republic Bank & Trust

Norman, OK

May 2013 to May 2015

Mortgage loan underwriter responsible for reviewing, analyzing and making credit decisions on conventional, VA, FHA and RD mortgages primarily for Correspondent/Secondary Market Division and Retail Division as needed. Income, credit, asset and collateral analysis, reviewing loans to ensure product/investor guidelines are met, working with sales and processing partners to achieve a complete and accurate transaction. Review loan documentation to ensure consistency and compliance within industry standards, QM, ATR and salability. Assist correspondents regarding all aspects of mortgage underwriting. Perform income and credit reviews, run DU, LP, and GUS to determine if a loan is eligible prior to a loan being submitted for underwriting. 
 
Key Results 
• 100% purchase and quality records. 
• Review, analyze and make final determination on loan submissions validating automated underwriting decisions as well as using manual underwriting guidelines. 
• Review collateral to determine value is determined by acceptable USPAP appraisal practices and support loan request, including issuing NOVs. 
• Work with clients (Correspondent) and team members (Underwriters, processors, loan officers, etc.) to identify potential solutions/alternatives for challenging/denied loan files. 
• Communicate with internal and external clients regarding inquiries pertaining to loan programs and underwriting. 
• Review of audit files for Quality/Funding issues to determine compliance and acceptance of loan. 
• Assist in correction of delivery violations and government insuring deficiencies on specific files as required. 
• Meet and exceed turnaround times for underwriting and clearing conditions for on time closings. 
• Exceed production goals. 
• Building and maintaining relationships with correspondents without sacrificing quality and integrity. 
• Staying up-to-date with the ongoing changes in the mortgage industry. 
• Recognize areas of opportunity and improvement. 
• Keeping staff up-to-date with investor overlays and training as necessary.

Sr. Mortgage Underwriter/Auditor and Fraud Investigator

Adfitech

Edmond, OK

May 2001 to May 2013

Post-closing auditor of mortgage loans verifying compliance with government and lender specific guidelines, forensic review, collateral review and fraud detection. Review FHA, including 203b, 203k, reverse mortgages and Section 184, VA, USDA RD, conventional and portfolio loan products (performing, non-performing and foreclosed) to ensure loans meet investor guidelines and salability. Review, analyze and make final determination on loan submissions validating automated underwriting decisions as well as using manual underwriting guidelines. 
 
Key Results 
• Exceeded daily and monthly productions goals. 
• Senior underwriter selected to review FNMA and FHLMC non-performing loans including fraud detection as well as guideline violations to determine requests for repurchases and mitigate loss. 
• Exceeded company quality standards (both from in-house audits and client feedback). 
• Created procedural checklists and training manuals based on research of FHA Manual 4155, VA Lender Handbook, and FNMA and FHLMC seller guides. 
• Reviewed collateral to determine value was determined by acceptable USPAP appraisal practices and supported loan request. 
• Successfully mentored and trained new and existing employees in all areas of underwriting. 
• Served as stand in for team manager as needed. 
 
Authority/Certifications 
• FHA Direct Endorsement (DE) Underwriter 
• VA Staff Appraisal Reviewer (SAR) 
• FHA Coordinator and VA Administrator

Skills

Excellent verbal and written communication skills. (10+ years), loans (10+ years), underwriting. (10+ years), customer service. (10+ years), Excel (5 years)

Additional Information

Skills 
 
• Ability to work independently and adapt to a constantly changing environment. 
• Ability to stay current with the business environment within third party lending. 
• Ability to be a creative and innovative problem solver. 
• Excellent customer service. 
• Excellent analytical skills. 
• Excellent verbal and written communication skills. 
• Familiar with Windows, Excel, Word and underwriting/processing software. 
• Ability to handle secure and private information.