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Mortgage Underwriter Resume

Westlake, TX

OBJECTIVE:An experienced professional with a diverse background which includes strong analytical skills. A seasoned multi-tasker that enjoys working in a challenging and fast paced environment. Plus a detailed-oriented individual that can coordinate the efforts of many to meet organizational goals.

EDUCATION

Bachelor of Arts in Mass Communication
Confidential Grambling, LA.
Honors: Dean’s List

EXPERIENCE

Confidential, Westlake, TX.
Mortgage Underwriter

  • Verify borrower’s income
  • Review credit reports, all tax schedules, bank statements, paystubs, and appraisals
  • Follow Federal guidelines, state and local compliance regulations
  • Analyze documentation to determine DTI income for any risks as well as LTV
  • Use proper underwriting guidelines to determine the decision of file
  • Underwrite GSE and Non GSE loans per work stream guidelines
  • Audit files for accuracy, and completeness of credit, appraisal, income and asset documentation
  • Communicate with processor for missing documentation
  • Knowledge of FNMA, FMLMC, SFO, HFI, DOJ, and FHA guidelines

Confidential, Dallas, TX.
Mortgage Underwriter

  • Analyzed loan applications and borrower's credit history to insure all financial institutions guidelines were met within the client’s financial needs.
  • Analyzed and calculated debt to income ratios of potential borrowers
  • Specialized in mortgage loans with assisting potential and current homeowners with the need of purchasing or refinancing Real Estate.
  • Interfaced with local planning, operating, finance, and legal organizations to meet federal, state, and local regulatory compliance requirements.

Confidential, Lancaster, TX.
Loan Processor

  • Reviewed borrowers documents with great detail
  • Provided leadership in the development of all areas of mortgage processing.
  • Provided customers with detailed credit, product and pricing information.
  • Reported all updates of operations to the designated parties to keep everyone on track accounts being handled.

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