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Citizens Bank - Loan Underwriter II Resume Example

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Henry Hernandez
Experience in FHA, VA & Fannie Mae loan modifications. Student loan underwriting | Loan Consolidations | Cosigner Releases | Credit and Income Analysis | Risk Assessment | Loan-to-Value Ratios | Debt-to-Income Ratios | Loss Mitigation | Experience in fast-paced call center . 
  • Microsoft Excel, Outlook
  • Power Point & Lotus notes 
  • Fluent in Spanish
  • Self-directed and complex problem solver   
  • Highly adaptable and very organized 
  • Excellent at multitasking and meeting guidelines
Loan Underwriter II 10/2012 to 07/2015
Citizens Bank Warwick, RI
  • Underwrite private and federal student loans including automated and manual portfolios.
  • Student loan consolidations and cosigner releases.
  • Evaluate loan applications and borrower creditworthiness.
  • Verify debt-to-ratios, loan-to-value ratios, credit reports, self-employment and regular waged income.
  • Review documents such as social security cards, legal alien and permanent resident documents.
Agency Liaison 02/2011 to 08/2011
JP Morgan Chase Columbus, OH
  • Create, organize and deliver daily, weekly, and monthly reports to all clients and management.
  • Act as an intermediary between business and attorneys explaining & responding regarding loan modification status.
  • Ensure that all required documents and reports are presented in a clear and concise manner that is easily understood by all parties.
  • Assembled files for counseling and mediation between opposing counsels, attorneys, mediation centers and underwriters, if loan modification program was not appropriate to homeowner.
Sr. Mortgage Underwriter 03/2006 to 02/2011
JP Morgan Chase Columbus, OH
  • Underwrite FHA/VA/USDA/FNMA.
  • Verified the borrowers employment and source of income such as federal tax returns, IRS tax transcripts, W-2, 1099, award letters, bank account statements, divorce decrees, pay stubs, profit and loss statements.
  • Analyzed attorney's fees and costs, Titles, credit reports, escrow and Private Mortgage Insurance PMI).
  • Demonstrated excellent follow-through with borrowers, loan processors and management throughout all phases of the underwriting process.
  • Ensured loans met internal and external eligibility requirements 
Loan Counselor 12/2004 to 02/2006
JP Morgan Chase Columbus, OH
  • Fast paced environment taking inbound calls.
  • Initiate collection calls on delinquent mortgage loans.
  • Research and resolve customer disputes in regard to misapplied payments.
  • Negotiate payment arrangements with customer to avoid mortgage delinquency and possible foreclosure.

Tax Preparation Nov 2013 H & R Block - Warwick, RI
Undergraduate Studies: Finance Jun 2006 Columbus State Community College - Columbus, OH
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Resume Details

This is a real resume for a Loan Underwriter II in Kennesaw, Georgia with experience working for such companies as Citizens Bank, Jp Morgan Chase. This is one of the hundreds of Loan Underwriter II resumes available on our site for free. Use these resumes as templates to get help creating the best Loan Underwriter II resume.

Previous Companies:

  • Citizens Bank
  • JP Morgan Chase

Previous Job Positions:

  • Loan Underwriter II
  • Agency Liaison
  • Sr Mortgage Underwriter
  • Loan Counselor


  • H & R Block
  • Columbus State Community College

Level of Education:

  • Undergraduate Studies

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