Mortgage Underwriter Resume

SUMMARY

Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled underwriter.
Proven expertise in identifying unacceptable risk and preventing fraud.

TECHNICAL SKILLS

PROFESSIONAL EXPERIENCE

Confidential

Mortgage Underwriter

Responsibilities:

Applied grades to each loan application based on established criteria to keep institutional risk low.
Worked wif processing team members to communicate errors and obtain missing information for current applications.Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Verified integrity of applicants' information to minimize fraud.Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Checked personal and team calculations to validate information and underwriting decisions.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Maintained mortgage program compliance wif federal agencies such as VA, HUD and FNMA.Reviewed and edited loan agreements to promote efficiency and accuracy.

Confidential

Mortgage Underwriter

Responsibilities:

Originated, reviewed, processed, closed and administered customer loan proposals.
Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
Reviewed and edited loan agreements to promote efficiency and accuracy.Complied wif regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Recommended loan approvals and denials based on customer loan application reviews.
Developed and maintained relationships wif local real estate agents.

TECHNICAL SKILLS