Mortgage Underwriter
Resume:
Summary
Strategic, and analytical underwriter with 5 years of experience in the mortgage industry and, success in financial reporting, analysis, and underwriting loans. Consistently meets deadlines, resolves discrepancies and, increases company revenue through increase productivity.
WORK EXPERIENCE
Senior Mortgage Underwriter M&T BANK
Houston, Texas 77082
Jan 2018 to Current
Accurately calculate borrower’s income and debt-to-income ratios
Maintain communication with management on status of loans in process, ensure all tracking is kept up to date on loan status so it is clear if loans are being held up and what reason for the holdup is.
Communicate loans decisions to clients/internal departments in a timely fashion.
Act as a role model of the company’s values, acting ethically professionally.
Evaluates Tax and title review to determine and document loan conditions and communicating requirements and /or fraud exposure.
Analyze the borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation.
Underwrites first-time home buyers' loans, refinancing and, modifications.
Underwrites loans to verify for completeness, accuracy, and compliance communicate with the borrower to verify the information and, ensure that all required documents are provided.
Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss.
Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents, and appraisals.
Demonstrates proficiency in automated underwriting systems (DU, LP).
Ensured loan submittals met internal and external eligibility requirements.
Maintains a pipeline of loan file audit/review inventory meets production requirements and, communicates status to management.
Mortgage Underwriter NRL mortgage
Austin, TX 76017
JAN 2017 to Dec 2017
Evaluate creditworthiness of borrows to render a credit decision. These include but are not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports, etc.
Maintained In and outbound calls with customers for requirement gathering and providing solutions to customer queries.
Perform Second Level One up Reviews on those loans recommended for approval above someone’s lending authority.
Review and evaluate information and documentation on mortgage loans, home equity loans, and home equity lines of credit to determine if the borrower or property meets prescribed loan standards.
Leveraged knowledge of loan products to help restructures turned-down loans for subsequent approvals.
Uses background experience and knowledge of guidelines and personal judgment to make loan decisions that exceed guidelines when warranted.
Financial Analysis - Accurately determines the financial condition of the applicant(s)
Evaluates the borrower’s credit and capacity to repay the requested loan.
Knowledge of new construction and draw mortgage underwriting required.
Proactively addresses underwriting submission deficiencies.
Assist in correction of Delivery Violations and government insuring deficiencies on specific files as required.
Analyze DPA programs and Trust agreements as needed.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process.
SKILLS
Credit & Income Analysis, Risk Assessment, Loan-to-Value Ratios (LTV), Debt-to-Income Ratios (DTI), Conventional & Government Mortgages, Loan Closing, Cash-Flow Analysis, Documentation, Account Service Excellence Lending & Underwriting Guidelines.
Proven analytical and organizational skills and demonstrated ability to prioritize and multi-task.
Demonstrates strong interpersonal communication skills with the ability to communicate effectively.
Strong analytical and decision-making/problem-solving skills.
Have a proven high level of Mortgage Underwriting Credit Skills with good commercial awareness
Strong Microsoft Office skills, including Excel
Portfolio Management
Tax Experience
Requirements Gathering
Financial Analysis
Working knowledge of FNMA, FHLMC guidelines
Impressive attention to detail and ability to meet deadlines
Ability to adapt to changing circumstances and adjust daily priorities as needed
Prior experience working in a remote environment
Positive attitude, high level of integrity with strong work ethic
Experience with Microsoft Office 360: Outlook, Teams, Word, Excel, Share Point, One Drive
Experience with Microsoft Office 360: Outlook, Teams, Word, Excel, Share Point, One Drive
Education
High School Diploma
BA in Business Administration
Contact this candidate