MORTGAGE BANKING UNDERWRITER II Experience Mortgage Banking Underwriter II 04/2017 Current Company Name – City State Analyze loan documentation determine debt income ratios, verification assets, credit risk applicants seeking obtain mortgage. Determined qualifying income tax returns self employed borrowers consist Sole Proprietors, Partnerships, S-Corps. Underwrite apply needed conditions mortgage applications ensure customer meets product specifications guidelines. Review loan documentation accuracy, completeness, compliance Desktop Underwriter (DU) Loan Prospector (LP) findings. Obtained completed mandated training $750,000 lending authority. Senior Remote Underwriter 11/2016 03/2017 Company Name – City State Analyzed credit risk financial strength borrowers determine credit worthiness repayment capacity. Presented written verbal loan decisions detailing results risk analysis support recommendation approve, suspend, deny request mortgage insurance. Underwrote conventional conforming non-conforming loans. Proposed counter offers analysis meet Arch MI investor guidelines. Increased underwriting loan level authority $417,000 $750,000. Remote Underwriter 12/2012 10/2016 Company Name – City State Analyzed income, credit, collateral documentation making quality risk decisions comply Arch MI's Guidelines Exception Matrix Mortgage Insurance applicants. Exceeded productivity standards completing 4.5 files per day increasing loan level $200,00 $417,000. Assisted sales team answering inbound scenario questions relating credit risk collateral requirements. Responsible underwriting Fannie Mae Freddie Mac loans. Senior Underwriting Support Specialist 06/2007 11/2012 Company Name – City State Performed monthly audits Home Affordable Refinance Program application Delegated Mortgage Insurance account submissions completed level 1 level 2 support staff. Trained new employees on-boarding process remote underwriting. Developed best practice guidelines new employees integrated CMG's imaging system. Developed procedures process Home Affordable Refinance Program. Recipient PMI Mortgage Insurance Diamond award outstanding stellar work performance. Performed data entry master policy requests billed contract underwriting submissions. Performed administrative duties management team. Underwriting Support Specialist II 01/2005 05/2007 Company Name – City State Managed Underwriting Operations workflow ensure underwriting turn times met files distributed underwriting pipeline. Registered prepared incoming files underwriting. Responsible Operating switchboard consisted 50 working extension call center environment. Collaborated IT department ensure computer systems software issues resolved timely manner. Prepared pre-approval clients requests credit reports. Underwriting Assistant 06/2001 12/2004 Company Name – City State Performed data entry delegated Mortgage Insurance requests require company accuracy rating least 95% 100%. Correspond customer inquiries regarding status requests underwriting decision. Purchased managed office supplies operating inventory clerk shipping clerk. Managed shipping process shipping logs off-site file retention. Work History Mortgage Banking Underwriter II 04/2017 Current Company Name – City State Analyze loan documentation determine debt income ratios, verification assets, credit risk applicants seeking obtain mortgage. Determined qualifying income tax returns self employed borrowers consist Sole Proprietors, Partnerships, S-Corps. Underwrite apply needed conditions mortgage applications ensure customer meets product specifications guidelines. Review loan documentation accuracy, completeness, compliance Desktop Underwriter (DU) Loan Prospector (LP) findings. Obtained completed mandated training $750,000 lending authority. Senior Remote Underwriter 11/2016 03/2017 Company Name – City State Analyzed credit risk financial strength borrowers determine credit worthiness repayment capacity. Presented written verbal loan decisions detailing results risk analysis support recommendation approve, suspend, deny request mortgage insurance. Underwrote conventional conforming non-conforming loans. Proposed counter offers analysis meet Arch MI investor guidelines. Increased underwriting loan level authority $417,000 $750,000. Remote Underwriter 12/2012 10/2016 Company Name – City State Analyzed income, credit, collateral documentation making quality risk decisions comply Arch MI's Guidelines Exception Matrix Mortgage Insurance applicants. Exceeded productivity standards completing 4.5 files per day increasing loan level $200,00 $417,000. Assisted sales team answering inbound scenario questions relating credit risk collateral requirements. Responsible underwriting Fannie Mae Freddie Mac loans. Senior Underwriting Support Specialist 06/2007 11/2012 Company Name – City State Performed monthly audits Home Affordable Refinance Program application Delegated Mortgage Insurance account submissions completed level 1 level 2 support staff. Trained new employees on-boarding process remote underwriting. Developed best practice guidelines new employees integrated CMG's imaging system. Developed procedures process Home Affordable Refinance Program. Recipient PMI Mortgage Insurance Diamond award outstanding stellar work performance. Performed data entry master policy requests billed contract underwriting submissions. Performed administrative duties management team. Underwriting Support Specialist II 01/2005 05/2007 Company Name – City State Managed Underwriting Operations workflow ensure underwriting turn times met files distributed underwriting pipeline. Registered prepared incoming files underwriting. Responsible Operating switchboard consisted 50 working extension call center environment. Collaborated IT department ensure computer systems software issues resolved timely manner. Prepared pre-approval clients requests credit reports. Underwriting Assistant 06/2001 12/2004 Company Name – City State Performed data entry delegated Mortgage Insurance requests require company accuracy rating least 95% 100%. Correspond customer inquiries regarding status requests underwriting decision. Purchased managed office supplies operating inventory clerk shipping clerk. Managed shipping process shipping logs off-site file retention. Education High School Diploma Accounting Bookkeeping 06/2000 George Westinghouse Career Academy City State Participant Retail Education Alliance Development Youth. (R.E.A.D.Y. Program) Summary Mortgage Underwriter 17 years work experience adapts change. Self-motivated exceptional customer service skills determined work ethic. Excels problem solving, results driven, customer service, great verbal written communication. Core competencies includes Risk Analysis, Credit Evaluations, Financial Reporting, Data Entry, 10-Key Data Entry, Billing, Administrative support. Highlights Administrative duties Call center Credit Credit Rrisk Credit risk Clients Data entry Documentation Financial Imaging Insurance Inventory Loan documentation Mac Office Quality Retail Risk analysis Sales Shipping Switchboard Tax returns Underwriter Underwriting Workflow Written Skills Administrative duties, call center, credit, credit Rrisk, credit risk, clients, data entry, documentation, financial, imaging, Insurance, inventory, loan documentation, Mac, office, quality, Retail, risk analysis, sales, shipping, switchboard, tax returns, Underwriter, Underwriting, workflow, written