Loan Underwriters, also known as Loan Officers, decide whether to approve a loan application after considering the applicant’s competence to engage in a loan agreement, their ability to repay the loan, and their credit history. Skills demonstrated on sample resumes of Loan Underwriters include executing income, property, and credit analysis on loan files within a defined period and conducting timely reviews of initial decisions and resubmissions of existing loan files.
Resume Template: 1
Loan Underwriter Resume Example: 1
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
With more than [years] of experience in financial reporting, research, and project management, the finance expert is strategic and analytical. consistently fulfills deadlines, corrects errors, and boosts business income. extremely adept at increasing productivity through in-depth analysis and process changes.
Experience
Company A, Loan Underwriter
- Took part in several initiatives to test out new and better procedures inside the Home Equity Group.
- Individuals, S-Corps, C-Corps, Partnerships, Rental Properties, and Trusts: Advanced Cash-Flow Analysis
- Maintained quality at [percent]% in [year] to date and at or above [percent]% in [year], surpassing rivals’ production requirements of [percent]%.
- Received the Superior Achievement Award for the [period] [quarter].
Company B, Loan Underwriter
- Accepted a position at a brand-new underwriting center in [location].
- Created various volunteer activities for the office and coordinated the Community Service Campaign for [company].
- To ensure that loans proceed, remote underwriters should conduct weekly pipelines with each branch.
Company C, Loan Underwriter
- Evaluation of taxes and titles Establish loan terms, communicate requirements and/or choices, and document them.
- Respected all client/lender rules and guidelines in addition to all applicable federal, state, and/or local laws and ordinances.
- Identifies portfolio risks brought on by the client’s underwriting, underwriting methods, and/or vulnerability to fraud.
- Helped uncover any issues with the department’s or process’s underwriting and made suggestions for improvements.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Loan Underwriter
- Certified company Loan Underwriter
Skills
- Public Speaking
- Desktop Underwriter
- AllRegs
- MAGIC
Resume Template: 2
Loan Underwriter Resume Example: 2
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
Professional with over [years] of experience in the mortgage lending, QC Compliance/Risk, and restaurant industries. Highly qualified and flexible. Recognized for innovation, moral character, and a great capacity to function both independently and collaboratively. Highly attentive, detailed oriented, and able to communicate effectively while displaying significant commitment to organizational success.
Experience
Company A, Loan Underwriter
- Gathered, checked, and entered information for mortgage loan applications.
- Reviewed risk through credit policy and interpreted Agency Guidelines.
- Reviewing paperwork related to appraisals, income, and assets.
- Ability to work within the parameters of Freddie Mac and Fannie Mae with an emphasis on retail underwriting.
- Examine the files that have been supplied to look for capacity, capital, character, and condition.
- Chase employed problem-solving to reduce loss while providing excellent customer service and profitable products.
Company B, Loan Underwriter
- Ensured that loan submissions complied with internal and external eligibility standards.
- Accumulated significant expertise in the underwriting of FHA, VA, and Fannie Mae loans.
- Gave thorough consideration to every detail while underwriting mortgages.
- To guarantee that agreements can be honored and monitored, document any pertinent exercise terms.
Company C, Loan Underwriter
- Actively handled a pipeline of residential mortgage loans for both purchases and refinancing with an emphasis on turnaround speed, service, and quality.
- Review of the entire loan package, including collateral, assets, income, and credit, to assess creditworthiness.
- Met and surpassed quality control evaluations and production targets.
- Reviewed appraisals for mobile homes, income-producing properties, condos, and single-family homes.
- Limited project reviews were included in condominium reviews.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Loan Underwriter
- Certified company Loan Underwriter
Skills
- DE
- VA/SAR
- Conventional mortgage loan underwriter
Resume Template: 3
Loan Underwriter Resume Example: 3
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
[Number of years] years of experience as an underwriter who has worked on traditional mortgages, home equity lines of credit, unsecured loans, and loans with secured collateral. Financial cost controls, fleet management, and buying are examples of prior experience.
Experience
Company A, Loan Underwriter
- Applying typical corporate, investor, and insurer financial solutions related to distressed residential real estate loans to reduce the firm’s credit loss
- Complex real estate loans were examined to assess fraud, capacity, capital, character, and condition.
- Working with loan originators and production workers, I reviewed loan documentation for correctness and completeness to gather all the information I needed to make a judgment.
- Applied understanding of regulatory compliance requirements and underwriting standards.
Company B, Loan Underwriter
- Reviewing and confirming the applicants for the bank’s income, credit history, and job information.
- Reviewed assessments and complicated tax returns Loans were made sure to adhere to all program and product requirements.
- Clear communication of loan choices and shortcomings.
- Followed all JPMorgan Chase fair lending guidelines and reached and maintained all departmental targets for output, standard, and turnaround time.
Company C, Loan Underwriter
- Made sure that the loans adhered to the requirements of Freddie Mac, Fannie Mae, the Investor, and the portfolio.
- To ensure thoroughness and correctness, applications and related paperwork were reviewed.
- To assess the borrower’s capacity to make future payments, financial data was reviewed and evaluated.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Loan Underwriter
- Certified company Loan Underwriter
Skills
- Powerpoint
- Microsoft Access
- Microsoft Office
- Microsoft Word
- Microsoft Outlook
- Microsoft Excel
Resume Template: 4
Loan Underwriter Resume Example: 4
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
A Proactive, Results-Focused Professional with Over [Years] of Underwriting and Loan Servicing Experience. Strong organizational and negotiating skills, as well as exceptional time management skills Self-starter who is driven and proactive, and succeeds in a demanding and competitive environment. Strong Business Relationships with Customers and Employees and Excellent Mediation Skills.
Experience
Company A, Loan Underwriter
- Examined every loan application document.
- Exhibited extreme care and attention to detail when examining mortgages.
- Verified each applicant’s income and job information, looked at their credit history and evaluated their financial standing to assess risk and repayment ability.
- Accumulated significant expertise in the underwriting of FHA, VA, and Fannie Mae loans.
Company B, Loan Underwriter
- Used understanding of loan products to rework loans that had been denied to get them approved later.
- Upheld adherence to financing, underwriting, and legal standards.
- Balanced the requirement for increased loan volume with the equally vital demand for ideal underwriting quality to reduce risk while optimizing profitability.
- Examine or order the relevant papers for each loan, including mortgage insurance, homeowners insurance, flood insurance, and flood certificates.
Company C, Loan Underwriter
- Analyze all loan papers, including those about collateral, purchase contracts, title, income, assets, credit, and other necessary records.
- Make an underwriting decision based on assets, credit, collateral, title, and risk as well as income (W2 wage worker, self-employed, single proprietor, partnerships, S-Corp, Corporation, non-taxable income).
- Evaluating lending programs and/or products that call for mortgage insurance.
- Review the current interest rates and rate locking.
- Satisfy, dispense from, or add required criteria.
- With the processors and/or sales team, go over the terms and decisions for the loan.
Education
- Florida State University
- Masters in Computer science
Certifications
- Certified Public Loan Underwriter
- Certified company Loan Underwriter
Skills
- Microsoft Office
- Word
- Excel
- Outlook
- PowerPoint Office-Filing
- Faxing
- 50 wpm
- Multiple Phone Lines
- Data Entry
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