Consumer loan Underwriter Resume

OBJECTIVE

To continue to develop skills and learn teh intricacy of teh mortgage profession while utilizing my current noledge, implementing expert customer service and bilingual ability.

TECHNICAL SKILLS

Demonstrate excellent customer service, verbal, and interpersonal skills.
Able to multi - task in a fast-paced environment wif good organizational skills
Goal-oriented wif teh ability to meet deadlines
Motivated a team to succeed by teaching them to understand all factors
Excellent in oral and written Spanish.
Excellent in Mathematics.
Very good in Computer Skills.
Fast in learning new programs and procedures.

PROFESSIONAL EXPERIENCE

Consumer loan Underwriter

Confidential

Responsibilities:

Compiles, analyzes and documents loan data, credit risk, borrower and property information.
Determines decisions/exceptions beyond teh decisioning authority levels of other underwriters.
Reviews financial statements, credit reports, and applicable ratios (me.e. debt ratios, loan-to-value).
Evaluates and examines transactions to ensure accuracy and completeness.
Ensures documents are consistent and conform to company and industry guidelines.
Acceptable credit quality wifin teh lending authority.
Assists wif re-negotiation of loans based on lending guidelines.
Contacts customers and/or business partners to gather information to make appropriate decisions and explain teh rationale of those credit decisions.
Mentors and reviews teh analysis of other underwriters.

Loan Officer / Processor

Confidential

Responsibilities:

Verify loan documents to ensure balances and consumer signatures are in order
Perform daily filing and other duties in teh process of supporting our Underwriting Department
Update all information in teh computer (POINT application)
Solicited new business through cold calling and follow up customer visits.
Monitored pipeline reports to determine status of all loans
Conducted teh loan process from loan selection through funding
Reviews residential loan application file to verify dat application data is complete and meets organization’s lending standards. Verifies borrower assets, liabilities, credit and employment. Confirms dat teh proposed mortgage financing type and amount meets any housing ratio restrictions.
Verifies, compiles and types application information for mortgage loans.
Recommends dat loan not meeting standards be denied.
Contacts specified companies to obtain property abstract, survey and appraisal.
Informs Lending Manager of discrepancies in title or survey.
Submits mortgage loan application file for underwriting approval by Lending Manage, Loan Committee or outside mortgage broker.
Types and mails approval and denial letters to applicants.
Packages each loan and submits them to teh Lending Manager or other mortgage broker partner.
Opens escrow and closes escrow upon funding.
Work wif teh new loan officers helping them to improve their skills and meet teh goals
Awards: Top Performance Award for 2 months

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