Mortgage Underwriter Customer Service

BENEDICT DOE

443-***-**** ********@*****.***

Summary

Self-motivated Financial Management Professional with over 10 years of experience in Loan Origination, Loan file Underwriting, Credit Compliance, Business Management and Risk Assessment. Highly rated for quality mortgage loan origination and underwriting with excellent analytical and problem solving skills, attention to details and fully committed to organizational goals.

Skills

Financial Statements

Automated Underwriting System

Credits Reports

Manual Underwriting

Loan-to-Value Ratios (LTV)

Cash Flow Analysis

Credit and Income Analysis

Risk Assessment

Debt-to-Income Ratios (DTI)

Conforming & non-Confirming Loans

Lending and underwriting guidelines

Banking and Finance

QM and Non QM programs

QuickBooks

Fair Housing Regulations

Encompass

NMLS Certified

Microsoft Office Suit

EMPLOYMENT HISTORY

Mortgage Loan Officer July 2021 – Date

Apex Mortgage LLC

Collecting and structuring home loan applications by analyzing the borrower’s information regarding their income, assets, debts and credit data as well as their liabilities in order to Pre-Qualify and Pre Approve for home loan.

Independently assesses applicant’s credit worthiness and the ATR requirements.

Determining which products best meet the customer’s needs and financial circumstances and advises potential borrowers regarding the advantages and disadvantages of different financial products and the most appropriate mortgage loan programs.

Marketing and promoting our lenders mortgage products. This includes the “First Time Home Buyer Programs” through contacts with Realtors, builders, and developers.

Negotiating terms and conditions of loan with mortgagors as well as binding with the bank or lender in connection therewith.

Ensuring lending compliance with all origination procedures including lender policies and procedures and regulatory requirements.

Independently monitoring trends and developments in the local real estate market, finance markets as well as the changing rules and regulations pertaining to both private and government-insured mortgages.

Representing Apex Mortgage LLC in the community and related functions to identify, develop and promote additional business.

Occasionally attending seminars and training programs on new loan products and software to help serve my customers better.

Originating home loan applications from self generated clients and outside leads sources, realtors, builders, financial planners and accountants.

Mortgage Underwriter March 2020 – June 2021

HSBC Bank

Responsible for evaluation of mortgage loan file for approval or denial.

Conducting credits investigations, obtaining and validating credit and income and down payments.

Underwriting Conventional (Fannie and Freddie), Jumbo, VA and FHA as well as HELOC and Home Equity loans.

Perform personal income analysis, underwrite and applied lender/investor specified conditions to assure borrower meets program/product specifications for home loans.

Calculate qualified income for W2 wage earners, self employed, sole proprietors and partnership borrowers.

Reviewing information and documentation of mortgage loans, home equity loans, equity lines of credit to determine if borrower and property in question meets the loan standard

Effectively working with loans officers to ensure every option available is utilized to find the loan programs available to the borrower.

Evaluate the financial strength of borrowers to determine risk and ability to repay the loan through factors such a Credits, Down payment and Assets, DTI, Income and Employment.

Maintain a pipeline of loan file audit, review inventory, meet production requirements, and communicate outcome to management.

Demonstrate excellent follow-through with loan processors, loan originators and management throughout all phases of the underwriting process.

Determine whether a loan meets the eligibility requirements of Fannie Mae and Freddie Mac, and manually underwrites loan files that do not conform or has errors.

Work collaboratively with team members to drive deals to successful funding and close.

Experience with Manual underwriting and AUS technologies eg, DU and LP, Encompass, LendingWise, Calyx Point, Mavent. Fraud Guard, etc.

Insurance Agent/Underwriter May 2017 – February 2020

Geico Local Office

Delivered excellent service through underwriting auto and home insurance quotes to prospective customers with minimum error and offering the right premium for the right risk.

Processed automobile, home and rental insurance policies including writing new policies and renewing existing policies.

Delivered attentive and excellent customer service to new and existing customers whiles capitalizing on cross-sell opportunities like bundling products.

Provided detailed analysis, quotes, and insurance information to prospective customers and existing customers.

Managed wide variety of customer service and administrative tasks to resolve customer issues quickly and efficiently.

Met monthly targets of at least 80 autos and 20 home policy’s sold with high retention and about 90% customer satisfaction and recommendations.

Education and Certifications

Master of Science – Finance University of Leicester

Associate in Financial Accounting University of Ghana Business School

Linux Essential Certification Linux Professional Institute (LPI)

Property and Casualty License Kaplan Professional University

NMLS License (Active) MEC

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