| | | 20,000+ Fresh Resumes Monthly | |
|
|
| |
Click here or scroll down to respond to this candidateCandidate's Name
Darien, IL PHONE NUMBER AVAILABLE EMAIL AVAILABLEMortgage UnderwriterWell-qualified and results oriented Underwriter professional with over 20 years of successful experience in positions of increasing responsibility and duties. Underwriter with expertise in multiple specializations upholding performance standards, reporting and review processes to ensure compliance with all financial reporting. High level of organizational skills; team player with polished communication skills: verbal, written, interpersonal, presentation and rapport building.Additional Strengths Include:Proficient in CORE, Empower, Encompass & MSPProficient in Microsoft Office Suite (Word, Excel, PowerPoint, and Outlook)Staff Leadership & MentoringExperience in Adobe Creative Suite applications including Photoshop, Illustrator and In Design (Web development)ACT and other proprietary CRMs.Professional ExperienceWells Fargo Home Mortgage, Remote, ILMortgage Underwriter II (Jumbo Non-Conforming Loans) 3/2019-PresentResponsible for reviewing, analyzing, approving, and underwriting difficult, complex individual consumer loans and products within company and industry guidelines. Analyzed loan risk and requested additional information from the borrower as necessary. Documenting any loan conditions and verifying loan applications, evaluating financial risks, and making final decisions on eligibility for applicants.Highlighted Achievements:Consistently passed each Quarterly Quality Inspection Service Audit. 100% Pass results for all Quality Inspection Service Full Credit ReviewReceived 100% on all customer surveys in 2022 and was awarded the Top Customer Service Award in the entire Non-Confirming DepartmentLead training to all new underwriting staff including mentoring lower-level underwriters on credit decisioning, department procedures and policies and guidelines.Detail-oriented with strong data analysis skills.Highly organized and able to prioritize effectively.Wells Fargo Home Mortgage, Lombard, ILSenior Mortgage Underwriter III (Conforming Loans) 10/2012-3/2019Responsible for underwriting conforming loans and understanding of complex underwriting data and trends.Highlighted Achievements:Provided excellent customer service to the sales channel network through professional written and verbal communication and teamwork. Received 100% customer service feedback surveys.Evaluate debt ratio, loan-to-value ratio, property valuation as well as other factors to determine creditworthinessAnalyze and review the file for accuracy, thoroughness, and completenessAssure closing process is filed within twenty-five days or lessExcellent verbal and written communication skills and possess a high degree of attention to detail.Fairway Wholesale Lending, Naperville, ILMortgage Underwriter 3/2012-9/2012Responsible for underwriting residential loans and ensuring compliance with appropriate company and secondary market investor standards.Highlighted Achievements:Determines whether any inconsistencies may be indicative of potential mortgage fraud.Implement changing overlays to ensure quality files meet Interbank, investor, FNMA, and FHA guidelines.Experience in reviewing and analyzing complex personal and corporate tax returns and completing the FNMA 1084.Strong analytic skills to independently feel confident in making credit decisions, including problem solving skills when to request additional information to make a complete underwriting decision.Ability to work under high volume and fast-paced environment without discounting quality.Working with loan originators to secure all required documents, working with more senior underwriters on loan exceptions.MetLife Home Loans, Itasca, ILMortgage Underwriter 10/2011-3/2012Responsible for residential Loans and ensuring compliance with applicable state and federal regulations, Investor guideline and corporate standards.Proficient with DU and LP, Knowledge of Conventional loans, FNMA and FHLMC guidelines.Working as a team for qualifying, examining auditing Loan documentations for accuracy and completeness while working with loan originators to secure all required documents are current on dates for verification and examining all files to prevent Fraud.Bank of America Home Loans, Westmont, ILMortgage Underwriter 2000-2011Underwrite Wholesale and retail residential loans including the preliminary credit package-credit report, income, assets, appraisal, and title.Recipient, Presidents Club honors, 2002 and 2004.Computer savvy to efficiently work with database and imaging systems with paperless loans Review and analyze tax transcripts and fraud tools.Familiar with fraud detection techniques, lending guidelines, mortgage industry, and loan renegotiating. |
