United Federal Credit Union - Mortgage Loan Underwriter Resume Example

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Mia Cook
XXXX XXXXXXXX, Benton Harbor, MI 49022
Ph: XXXXXXXXXXXX
XXXXXXXXXXXXXXXXXX
Professional Summary

Dedicated Mortgage Loan Underwriter with 11 years of experience in the mortgage financing industry through loan closing facillitation, loan processing and loan underwriting positions. Looking for a position as Mortgage Loan Underwriter in a dynamic company.

Skills
  • Loan Underwriting
  • Critical Thinking
  • Judgment and Decision Making
  • Pipeline Management
  • Organizing and Planning
  • Relationship Building
  • Time Management
  • High Standards
  • Software Proficiencies:  Microsoft Word, Excel, Quickbooks, MISER, Velocity, Calyx, Mortgage Builder, Encompass, SBT/Accpac (Marketing Software) and Soft-Pro
Experience
Mortgage Loan Underwriter Oct 2013Present United Federal Credit Union Saint Joseph, MI Analyze the credit worthiness of applicants
Calculate debt to income and loan to value ratios
Review credit reports, job history & loan applications
Analyze and interperet reports from three main credit bureaus
Analyze and interperet income statements, tax returns and purchase agreements
Produce loan decision in accordance with company risk policy
Understand and ensure compliance with federal regulations for mortgage lending
Consumer Loan Underwriter Feb 2013Oct 2013 United Federal Credit Union Saint Joseph, MI
  • Analyze the credit worthiness of applicants
  • Calculate debt to income and loan to value ratios
  • Review credit reports, job history & loan applications
  • Analyze and interperet reports from three main credit bureaus
  • Analyze and interperet income statements, tax returns and purchase agreements
  • Produce loan decision in accordance with company risk policy
  • Frequent contact with dealership sales representatives and internal customer service representatives to gather information and negotiate deals
  • Decisioned 100+ loan requests per month
  • Low decisioned loan default rate
Mortgage Loan Processor Jan 2011Feb 2013 United Federal Credit Union Saint Joseph, MI
  • Collection and review of documents for purchase and refinance transactions for conventional and government loans
  • Work with the Mortgage Loan Officer to secure items needed for underwriting
  • Submit loan applications with recommendation for underwriting approval
  • Collect necessary information for clearing conditions for the underwriter
  • Prepar loan files for closing
  • Verify and examine information and accuracy of loan application and closing documents.
  • All files are completed following a strict time-line.
  • Processed average of 30 loan files per month
  • Average pipeline of 25 files
Accountant Mar 2006Jan 2011 Best Home Financial Benton Harbor, MI
  • General accounting and bookkeeping tasks for million dollar loan production company
  • Accounts payable
  • Accounts receivable
  • Payroll processing and submission
  • Tax preparation
  • Quarterly and year end IRS reporting
  • General Human Resource work including new hire onboarding, record keeping, and employee assistance.
  • Miscellaneous office administration tasks as required including answering phones, filing, greeting customers, and supply ordering.
Loan Processor Mar 2006Jan 2011 Best Home Financial Benton Harbor, MI
  • Verify and examine information and accuracy of loan application and closing documents.
  • Assemble and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.
  • Prepare files for submission for underwriter review and for loan closing
  • Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators.
  • Calculate funding figures
  • Closed average of 30 loans per month, high month of 52
Receptionist May 2004Mar 2006 Chicago Title Insurance Company Saint Joseph, MI
  • Customer Service contact with county wide network of realtors and mortgage lenders.
  • Title work order entry for county wide service area.
  • Receptionist and Administrative Assistant duties as assigned
Education
High School Diploma Jun 2001 Lakeshore High School Stevensville, MI

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About this resume

Mortgage Loan Underwriter FROM Benton Harbor , Michigan RESUME

This is a resume for a Mortgage Loan Underwriter in Benton Harbor, Michigan with experience working for such companies as United Federal Credit Union and United Federal Credit Union. The grade for this resume is 0 and is one of hundreds of Mortgage Loan Underwriter resumes available on our site for free. Use these resumes as templates to get help creating the best Mortgage Loan Underwriter resume.

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School Attended
Lakeshore High School