5 Amazing mortgage underwriter Resume Examples (Updated 2023) + Skills & Job Descriptions

mortgage underwriter

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mortgage underwriter: Resume Samples & Writing Guide

Employment history

Senior Mortgage Underwriter, Citigroup New York, New York

November 2018 – Present

Maintain up-to-date knowledge of underwriting guidelines and industry trends
Prepare detailed loan packages for submission to investors
Develop and maintain relationships with lenders, investors, and other stakeholders

Associate Mortgage Underwriter, JP Morgan Chase New York, New York

November 2017 – October 2018

Review loan files for compliance with all applicable laws, regulations and investor guidelines
Analyze loan documentation to ensure accuracy and completeness
Resolve any discrepancies found in loan documents

Entry Level Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

May 2017 – October 2017

Maintain up-to-date knowledge of underwriting guidelines and industry trends
Ensure all loan documentation is in compliance with investor guidelines
Resolve any discrepancies found in loan documents

Education

University of Chicago, Chicago, Illinois

Certified Public Accountant, March, 2017

Skills

Training

Visualization

Documentation

Quality Assurance

Underwriting Guidelines

Loan Origination

Loan Modification

Loan Processing

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Professional Summary

Highly experienced Mortgage Underwriter with a proven track record of success in the Financial Services industry. Proven ability to accurately assess risk and ensure compliance with all applicable regulations.

Employment history

Chief Mortgage Underwriter, Morgan Stanley New York, New York

December 2014 – Present

Prepare detailed loan packages for submission to investors
Resolve any discrepancies found in loan documents
Analyze loan documentation to ensure accuracy and completeness

Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

June 2014 – November 2014

Ensure all loan documentation is in compliance with investor guidelines
Make credit decisions based on established underwriting guidelines
Communicate decisions to loan officers and other stakeholders

Entry Level Mortgage Underwriter, Citigroup New York, New York

December 2012 – May 2014

Monitor loan applications to ensure timely completion
Calculate debt-to-income ratios and other financial ratios
Review and verify borrower’s income, assets, liabilities, and credit history

Education

Darden School of Business, Charlottesville, Virginia

Master of Arts in Business Administration, November, 2012

Darden School of Business, Charlottesville, Virginia

Bachelor of Arts in Business Management, November, 2008

Skills

Risk Management

Self-Motivation

Planning

Networking

Loan Review.

Financial Modeling

Financial Statement Analysis

Loan Administration

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Professional Summary

Highly experienced Mortgage Underwriter with a proven track record of accurately assessing loan applications and ensuring compliance with financial regulations. Experienced in providing sound advice and guidance to clients to ensure successful loan applications.

Employment history

Chief Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

June 2012 – Present

Resolve any discrepancies found in loan documents
Maintain up-to-date knowledge of underwriting guidelines and industry trends
Keep detailed records of all loan underwriting activities

Mortgage Underwriter, Wells Fargo San Francisco, California

December 2010 – May 2012

Monitor loan applications to ensure timely completion
Prepare detailed loan packages for submission to investors
Review and verify borrower’s income, assets, liabilities, and credit history

Junior Mortgage Underwriter, JP Morgan Chase New York, New York

June 2010 – November 2010

Provide guidance and support to loan officers and other staff members
Analyze loan documentation to ensure accuracy and completeness
Resolve any discrepancies found in loan documents

Education

MIT Sloan School of Management, Cambridge, Massachusetts

Doctor of Business Administration, April, 2010

MIT Sloan School of Management, Cambridge, Massachusetts

Bachelor of Arts in Accounting, April, 2006

Skills

Decision Making

Technical

Project Management

Attention to Detail

Mortgage Servicing

Loan Underwriting

Mortgage Origination

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Professional Summary

Experienced Mortgage Underwriter with a strong background in financial services. Skilled in analyzing creditworthiness, risk and financial data to make sound underwriting decisions.

Employment history

Chief Mortgage Underwriter, Goldman Sachs New York, New York

May 2013 – Present

Ensure all loan documentation is in compliance with investor guidelines
Review loan files for compliance with all applicable laws, regulations and investor guidelines
Review and verify borrower’s income, assets, liabilities, and credit history

Mortgage Underwriter, JP Morgan Chase New York, New York

December 2011 – April 2013

Review and verify borrower’s income, assets, liabilities, and credit history
Review loan files for compliance with all applicable laws, regulations and investor guidelines
Prepare detailed loan packages for submission to investors

Jr. Mortgage Underwriter, Citigroup New York, New York

May 2011 – November 2011

Prepare detailed loan packages for submission to investors
Provide guidance and support to loan officers and other staff members
Keep detailed records of all loan underwriting activities

Education

Stanford University, Stanford, California

Doctor of Philosophy in Accounting, April, 2011

Stanford University, Stanford, California

Bachelor of Arts in Finance, April, 2007

Skills

Data Analysis

Technical

Creativity

Visualization

Loan Documentation

Loan Processing

Mortgage Underwriting

Loan Review.

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Professional Summary

Highly experienced Mortgage Underwriter with a proven track record of accurately assessing financial risk and approving or denying loan applications. Skilled in utilizing industry-standard software and processes to ensure compliance with legal regulations and company policies.

Employment history

Senior Mortgage Underwriter, JP Morgan Chase New York, New York

March 2015 – Present

Develop and maintain relationships with lenders, investors, and other stakeholders
Keep detailed records of all loan underwriting activities
Ensure all loan documentation is in compliance with investor guidelines

Mortgage Underwriter, PNC Financial Services Group Pittsburgh, Pennsylvania

September 2013 – February 2015

Monitor loan applications to ensure timely completion
Resolve any discrepancies found in loan documents
Communicate decisions to loan officers and other stakeholders

Jr. Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

September 2012 – August 2013

Ensure all loan documentation is in compliance with investor guidelines
Review and verify borrower’s income, assets, liabilities, and credit history
Identify and document any potential fraud related to mortgage applications

Education

Darden School of Business, Charlottesville, Virginia

Master of Arts in Accounting, August, 2012

Darden School of Business, Charlottesville, Virginia

Bachelor of Science in Economics, August, 2008

Skills

Database Management

Written Communication

Collaboration

Technical

Loan Underwriting

Mortgage Lending

Mortgage Servicing

Mortgage Underwriting

Use This mortgage underwriter Resume Template

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mortgage underwriter Job Descriptions; Explained

If you're applying for an mortgage underwriter position, it's important to tailor your resume to the specific job requirements in order to differentiate yourself from other candidates. Including accurate and relevant information that directly aligns with the job description can greatly increase your chances of securing an interview with potential employers.

When crafting your resume, be sure to use action verbs and a clear, concise format to highlight your relevant skills and experience. Remember, the job description is your first opportunity to make an impression on recruiters, so pay close attention to the details and make sure you're presenting yourself in the best possible light.

mortgage underwriter

Negotiate/approve/recommend/decline, within established guidelines and authorized lending limit, residential mortgage applications.
Review Credit Information, appraisals and examine property condition and comparable sales used to support the market value.
Prepare and make considered recommendations to Senior Underwriters, Manager or Senior Directors where residential mortgage application is above authority limit.
Participate in special projects focused on auditing on supporting less tenured underwriters to ensure compliance standards are met.

mortgage underwriter

Assess applicants’ financial status, credit, and property evaluations to determine the feasibility of granting loans.
Successfully trained new recruits on the system and process orientation plan to get them ready for the floor.
Perform detailed underwriting analysis on conforming loans for credit and documentation deficiencies and determine marketability of each loan.
Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.

senior mortgage underwriter

Strong oral and written communication skills
Ability to meet production, quality and service standards
Thorough understanding of credit and an ability to review complex financial documents
Recommended loan approvals and denials based on customer loan application reviews.

mortgage underwriter

Received DE certification in 2013

mortgage underwriter Job Skills

For an mortgage underwriter position, your job skills are a key factor in demonstrating your value to the company and showing recruiters that you're the ight fit for the role. It's important to be specific when highlighting your skills and ensure that they are directly aligned with the job requirements, as this can greatly improve your chances of being hired. By showcasing your relevant skills and experience, you can make a compelling case for why you're the best candidate for the job.

How to include technical skills in your resume:

Technical skills are a set of specialized abilities and knowledge required to perform a particular job effectively. Some examples of technical skills are data analysis, project management, software proficiency, and programming languages, to name a few.

Add the technical skills that will get hired in your career field with our simple-to-use resume builder. Select your desired resume template, once you reach the skills section of the builder, manually write in the skill or simply click on "Add more skills". This will automatically generate the best skills for your career field, choose your skill level, and hit "Save & Next."

Financial Analysis
Mortgage Origination
Regulatory Compliance
Underwriting Guidelines
Credit Analysis
Loan Documentation
Credit Scoring
Loan Processing
Risk Assessment
Financial Modeling
Loan Underwriting
Loan Origination
Financial Statement Analysis
Mortgage Servicing
Mortgage Lending
Loan Closing
Mortgage Underwriting
Mortgage Servicing
Loan Modification
Loan Administration
Loan Review.

How to include soft skills in your resume:

Soft skills are non-technical skills that relate to how you work and that can be used in any job. Including soft skills such as time management, creative thinking, teamwork, and conflict resolution demonstrate your problem-solving abilities and show that you navigate challenges and changes in the workplace efficiently.

Add competitive soft skills to make your resume stand-out to recruiters! Simply select your preferred resume template in the skills section, enter the skills manually or use the "Add more skills" option. Our resume builder will generate the most relevant soft skills for your career path. Choose your proficiency level for each skill, and then click "Save & Next" to proceed to the next section.

Communication
Interpersonal
Leadership
Time Management
Problem Solving
Decision Making
Critical Thinking
Creativity
Adaptability
Teamwork
Organization
Planning
Public Speaking
Negotiation
Conflict Resolution
Research
Analytical
Attention to Detail
Self-Motivation
Stress Management
Collaboration
Coaching
Mentoring
Listening
Networking
Strategic Thinking
Negotiation
Emotional Intelligence
Adaptability
Flexibility
Reliability
Professionalism
Computer Literacy
Technical
Data Analysis
Project Management
Customer Service
Presentation
Written Communication
Social Media
Troubleshooting
Quality Assurance
Collaboration
Supervisory
Risk Management
Database Management
Training
Innovation
Documentation
Accounting
Financial Management
Visualization
Reporting
Business Acumen
Process Improvement
Documentation
Relationship Management.

How to Improve Your mortgage underwriter Resume

Navigating resume pitfalls can mean the difference between landing an interview or not. Missing job descriptions or unexplained work history gaps can cause recruiters to hesitate. Let's not even talk about the impact of bad grammar, and forgetting your contact info could leave your potential employer hanging. Aim to be comprehensive, concise, and accurate.

Employment history

Lead Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

December 2018 – May 2022

Keep detailed records of all loan underwriting activities
Develop and maintain relationships with lenders, investors, and other stakeholders
Resolve any discrepancies found in loan documents

Associate Mortgage Underwriter, State Street Corporation Boston, Massachusetts

December 2017 – November 2018

Review loan files for compliance with all applicable laws, regulations and investor guidelines
Resolve any discrepancies found in loan documents
Review and verify borrower’s income, assets, liabilities, and credit history

Entry Level Mortgage Underwriter, Wells Fargo San Francisco, California

June 2017 – November 2017

Education

Harvard University, Cambridge, Massachusetts

Master of Science in Economics, April, 2017

Harvard University, Cambridge, Massachusetts

Bachelor of Science in Economics, April, 2013

Skills

Public Speaking

Social Media

Critical Thinking

Adaptability

Mortgage Lending

Credit Scoring

Underwriting Guidelines

Risk Assessment

Unexplained Year Gaps and Missing Job Experiences are a No-no

Gaps in your resume can prevent recruiters from hiring you if you don't explain them.

Key Insights

It's okay to have gaps in your work experience but always offer a valid explanation instead of just hiding it.
Use the gap to talk about positive attributes or additional skills you've learned.
Be honest and straightforward about the gap and explain it using a professional summary.

How to Optimize Your mortgage underwriter Resume

Keep an eye out for these resume traps. Neglecting to detail your job roles or explain gaps in your career can lead to unnecessary doubts. Grammar blunders can reflect negatively on you, and without contact information, how can employers reach you? Be meticulous and complete.

Employment history

Lead Mortgage Underwriter, TD Bank Cherry Hill, New Jersey

October 2016 – Present

Preapre detialed loan pakages fer submision too investers.
Comunicate decissions too loan offisers and othr stakeholdrs.
Ensure all loan documentation is in compliance with investor guidlines.

Associate Mortgage Underwriter, Citigroup New York, New York

April 2015 – September 2016

Makes credit decisions baseds on estblished underwritings guidelines.
Reviw loan files for complience with all aplicable laws, regulaitons and investoer guideliens.
Mointor loan aplications too ensuee tiemly completetion.

Jr. Mortgage Underwriter, U.S. Bancorp Minneapolis, Minnesota

November 2013 – March 2015

Reveiw and verifiy borrwer's incom, assests, liabilites, and credt history.
Ensure all loan documentations is in compliances with investor guideline's.
Moniter loan aplications too ensur timly completion.

Education

Wharton School, Philadelphia, Pennsylvania

Bachelor of Arts in Economics, September, 2013

Skills

Listening

Visualization

Critical Thinking

Relationship Management.

Financial Statement Analysis

Credit Scoring

Credit Analysis

Underwriting Guidelines

Avoid Spelling Mistakes and Include your Contact Information

Missing contact information prevents recruiters from understanding you're the best fit for the position.

Key Insights

Make sure you're not missing contact information on your resume. That should include your full name, telephone number and email address.
Make sure to use a professional email address as part of your contact information.
Highlight your contact information and double check that everything is accurate to help recruiters get in touch with you.

mortgage underwriter Cover Letter Example

A cover letter can be a valuable addition to your job application when applying for an mortgage underwriter position. Cover letters provide a concise summary of your qualifications, skills, and experience, also it also gives you an opportunity to explain why you're the best fit for the job. Crafting a cover letter that showcases your relevant experience and enthusiasm for the Accounts Payable role can significantly improve your chances of securing an interview.

Senior Mortgage Underwriter
JP Morgan Chase
New York, New York

Esteemed JP Morgan Chase Hiring Team

I am a results-driven Mortgage Underwriter with 6 years of experience in Financial Services. I am excited to submit my application for the Senior Mortgage Underwriter role at JP Morgan Chase, where I believe I can make a valuable contribution to your team.

My diverse life experiences have taught me the importance of adaptability, creativity, and resilience. Whether it was on the job, or simply on my day to day, I have learned to navigate challenges and find innovative solutions. I am confident that I possess the skills and expertise necessary to excel in the position at JP Morgan Chase and I am excited about the opportunity to grow with a team that values these qualities and contribute to your organization's growth and success.

Thank you for considering my application for the Senior Mortgage Underwriter role at your organization. I am dedicated to continuous improvement, and elated about the opportunity to join your team and work towards achieving our shared goals together.

Bests,
Percy Harris
734-182-6983
harrispercy@gmail.com

Percy Harris

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