Mortgage Underwriter
Resume:
Mary Joe Mosley
MORTGAGE UNDERWRITER
Expertise in Conventional, FHA, VA & Fannie Mae Loans
Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality.
Comprehensive knowledge of underwriting guidelines and restrictions for conventional and government-insured loan programs for both conforming and nonconforming mortgages. Work collaboratively with team members to drive deals to successful funding and close.
Skills
Lending & Underwriting Guidelines Credit & Income Analysis Cash-Flow Analysis Risk Assessment Loan-to-Value Ratios Debt-to-Income Ratios Conventional & Government Mortgages Conforming & Nonconforming Loans ARMs Loan Closing, Funding & Documentation Account Service Excellence
Professional Underwriting Experience
First Commonwealth Bank, Hollidaysburg, PA
Mortgage Underwriter, 2014 to Present
Underwriting Assistant, 2010 to 2014
Promoted to provide underwriting services within large, full-service regional mortgage lender offering both conventional and government loan programs. Results:
Project Highlights:
Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
Achieved the second-highest loan-funding rate (totaling $12.8M in FY 2011) among a 14-member underwriting team.
Ensured loan submittals met internal and external eligibility requirements. Gained extensive experience in underwriting FHA, VA and Fannie Mae loans.
Maintained meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity.
Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals. Maintained compliance with lending, underwriting and government requirements.
Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Education & Technology
IUP UNIVERISTY, Indiana, PA
BS in Finance, Minor in Business Administration
Reference
Mike Matten
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