Loan Underwriter Resume Sample
Zachary Beer
51669 Adell Mill,
Houston,
TX
+1 (555) 709 6368
Work Experience
SBA Loan Underwriter Manager
07/2017
-
PRESENT
Chicago, IL
- Three years’ experience in consumer and/or residential lending practices
- Three years’ experience in underwriting, including credit bureaus
- Analyze financial data including personal tax returns; pay stub,W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement and home owner’s insurance
- Ensure that rates and products are within Key’s policy
- Review additional documentation including trust agreements, POA’s, divorce decrees, etc. when needed
- Review (i)theproposedborrower’sincome,assets,liabilities(ii)relevantdemographic,supplyand demand data, (iii) financial statements and tax returns for Borrowers andGuarantors
- Assist Vice President, as needed, with other Bank-related opportunities
- Provide assistance to others in each mortgage production office as needed
Loan Underwriter
08/2012
-
03/2017
Houston, TX
- Approves and rejects loans according to bank, investor, and government agency guidelines
- Reviews and understands all loan programs, policies and procedures to ensure regulations of the bank, investors, and government agencies are satisfied
- Thoroughly examines title reports and loan documentation to ensure accuracy and completeness
- Verifies closing conditions are satisfied per bank or secondary market requirements
- Responds to post closing and audit reviews in a timely manner
- Maintains an activity log and provides monthly reports to management
- Maintains current knowledge of the mortgage origination process and technology
Junior Consumer Loan Underwriter
05/2009
-
03/2012
Dallas, TX
- Focuses efforts on important priorities
- Accomplishes more tasks and assignments in less time
- Can attend to several priorities at a time
- Eliminates roadblocks and stays focused
- Plans daily tasks so important work is accomplished
- Uses workplace tools, technology or personal methods to keep track of priorities and assignments
- Participates in various lender training programs in order to increase proficiency and attends all required professional development as required. Assists in processing as directed. Assists in team development and special projects as required. 10%
- Underwrites mortgage loan applications for completeness. Analyzes applicant’s financial status, credit and property evaluation to determine feasibility of granting the loan request
Education
Western International University
2005 - 2009
Bachelor's Degree in Finance
Professional Skills
- Consumer lending experience in the financial services industry with strong credit evaluation skills and experience dealing with customers
- Strong credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience
- Strong organizational skills gained through previous work experiences
- Demonstrated sales skills and business development
- Excellent Proficiency in computer skills with Microsoft Office/Word, Excel, Financial Calculator and Mortgage Loan Applications/Software) Encompass 360
- Possess strong analytical and decision making skills
- Strong organizational skills and ability to multi-task with limited supervision
How to write Loan Underwriter Resume
Loan Underwriter role is responsible for credit, analytical, financial, lending, mortgage, auditing, loan, microsoft, travel, retail.
To write great resume for loan underwriter job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Loan Underwriter Resume
The section contact information is important in your loan underwriter resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Loan Underwriter Resume
The section work experience is an essential part of your loan underwriter resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous loan underwriter responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular loan underwriter position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Loan Underwriter resume experience can include:
- Proved effective time management and organizational skills
- Strong knowledge of federal lending regulations governing real estate lending gained through previous work experiences
- Knowledge of credit analysis and prior underwriting authority for conventional loans gained through previous work experiences
- Passion for transforming small business lending, and helping small businesses access capital quickly, easily, and at good rates
- Five or more years of mortgage underwriting experience including FHA, VA, and Conforming loans
- Relevant credit analysis or commercial underwriting experience and SBA lending knowledge
Education on a Loan Underwriter Resume
Make sure to make education a priority on your loan underwriter resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your loan underwriter experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Loan Underwriter Resume
When listing skills on your loan underwriter resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical loan underwriter skills:
- Strong analytical and problem solving skills with prior consumer, and commercial lending experience, wide-ranging and in-depth knowledge of industry practices
- Excellent interpersonal, organizational, prioritization and time management skills
- Effective decision-making, customer service and problem solving skills
- Good analytical, organizational, and mathematical skills
- Excellent Proficiency in computer skills with Microsoft Office/Word, Excel and Mortgage Loan Applications/Software) Encompass 360 desired
- Experience in mortgage environment, including 3 years’ experience underwriting conventional home loans
List of Typical Experience For a Loan Underwriter Resume
1
Experience For Mortgage Loan Underwriter Resume
- Experience underwriting jumbo loans
- Complete knowledge of mortgage loan origination process gained through previous work experiences
- Experience with Microsoft Windows and Office or other transferable software packages
- Related experience
- Proven ability to analyze and decision moderate to complex loan requests
2
Experience For Consumer Loan Underwriter Resume
- Demonstrated use of sound judgment
- Underwriting abilities to include the analysis of the following: appraisals, environmental reports, borrower financial condition and credit, title, escrow
- Assist in conducting loan training for Consumer Originators, if requested. This duty is performed as needed
- Analyzes business loan applicants’ financial status, credit, and business to determine feasibility of granting credit including loan approval
- Underwrite, decision and prepare for closing all new non real estate applications in adherence to bank policy and the turn time standards established
- In depth knowledge of FNMA, FHLMC, FHA, and secondary market standards regarding credit and property guidelines required
- Accesses risk regarding the applicant's financial status, with regard to credit and income
3
Experience For Commercial Loan Underwriter Resume
- Maintains awareness of current and ever changing investor/agency/governmental guidelines
- Communicates to Consumer Originators alternative financing options for consumer credit requests. This duty is performed as needed
- Ensure delivery of Home Ownership notices and Risk Based Pricing Disclosure. This duty is performed daily, about 10% of the time
- Presents business loan package and loan recommendation, in a consultative process, to senior business lending management for loans above approval authority
- Analyzes tax statements independent of business scoring systems to confirm business viability
- Supports Business Loan Underwriting functions
- Monitors Business Underwriting activities and respond to questions submitted via telephone, instant messages or through the mail
- Collaborates with managers and participates in mentoring sessions for other Business units
4
Experience For Mort Loan Underwriter Resume
- Collaborates with training team to ensure all guidelines are conveyed consistently and accurately
- Experience utilizing excellent verbal, written, and interpersonal communication skills, resulting in the ability to interact with all levels of employees within the organization and with external customers
- Has the ability to read and analyze tax returns and financial statements
- Evaluates property appraisal to determine compliance with appropriate guidelines
- Develops and maintains knowledge of financial industry, economic and market conditions
5
Experience For Commercial Real Estate Loan Underwriter Resume
- Prepares and updates monthly reports as required
- Review construction contracts, leases, appraisals, environmental assessment reports, UCC searches, flood determinations, insurance policies and other information to assess risks associated with the Bank’s collateral position. Continue to develop knowledge of appraisal theory and approaches to values
- Determine loan request’s eligibility in terms of the bank’s policy and guidelines as well as the SBA’s Standard Operating Procedure. Structure transactions in order to meet bank’s guidelines and the appropriate SBA/USDA loan program
- Read and understand MI guidelines; including overlays
- Prepare and forward all letters of approval or declination in accordance with the bank’s internal process
- Provide accurate reporting of all loan updates and status changes within the bank’s loan processing, servicing platform systems to include comments, status, and completion of tasks in Salesforce or other tracking software utilized by the bank
- Determine qualifying income for more complex applicants including Tax Returns (except 1040 Sched E, K-1 and Business Returns)
6
Experience For Home Equity Loan Underwriter Resume
- Review more complex appraisals for Condo’s and Attached PUDs
- Manage third-party due diligence including appraisal, engineering, environmental, seismic and credit reports. Review reports and identify underwriting risks and recommend solutions to mitigate unacceptable risks
- Work directly with borrowers to obtain required financial and collateral information as well as resolve underwriting issues
- Research and analyze market information utilizing Bank resources and market participants
- Continually update pipeline status and notify management of any timing or credit issues
- Assist asset management as needed
- Review, interpret and analyze loan applicants’ credit histories, income and assets, tax returns, financial statements, and other complex financial information to render a loan decision, and effectively present loans to higher lending authorities
- Review, analyze and verify financial documents such as business and personal Tax Returns, bank statements, credit reports, etc
7
Experience For SBA Loan Underwriter Resume
- Proficiency in Excel, and online research, and alternative data analysis
- Flexibility to work in a startup environment
- Ideas and enthusiasm to help us shape this new product, as we learn along the way
- Excellent customer service skills; written and oral communication skills and ability to demonstrate control, flexibility and maintain quality and high productivity when dealing with changing work demand
- Exercises good judgment and conducts reasonableness tests related to credit risk
- Maintains industry sound underwriting practices and regulatory requirements and ensures that applicants qualify and meet established underwriting guidelines for mortgage loans
- Evaluates all supporting documentation and appraisals to ensure items meet secondary market standards and requirements. Responsible for recalculating information obtained from source documents (i.e. paystubs and W-2 forms) and performs a final review once documentation is received
- Interacts with attorneys, appraisers, investors and private mortgage insurance companies to facilitate the application approval process
8
Experience For SBA / Government Loan Underwriter Resume
- Provides prompt and courteous service to member applicants. Clearly explains Credit Union's mortgage products and the application process
- Maintains a working knowledge of secondary market guidelines and internal lending policies to ensure that all information is processed, eligibility guidelines are met and that compliance requirements are met
- Assists in the development of new mortgage loan products based on current real estate market trends
- Work with the bank’s SBA/Government Loan Program Manager on development and maintenance of Bank products and procedures related to SBA/Government Loans
- Coordinate due diligence information between borrowers, mortgage banker correspondents, and Genworth origination team, and other internal teams
- Collects and evaluates documentation for loan reviews, such as income verification, tax returns, credit reports, social security letters, certificates, divorce decrees, judgment releases, and tax liens
9
Experience For Real Estate Loan Underwriter Resume
- Processes application information in the loan origination software program; approves or denies applications within loan authority
- Assists BDOs in gathering details for new loan requests and in processing servicing actions for existing relationships, maintaining contact with clients and resolving issues
- Reviews annual financials on existing loans and analyzes the risk associated with the borrower’s financial condition, recommending risk-rating changes when appropriate
- Follows up with customers to obtain all necessary information and clarification on financial analysis materials and resources
- Knowledge of Word, Excel, PowerPoint, etc
- Systems related knowledge (CRIF ACTion, 360 View, Laser Pro, Navigator and Director)
10
Experience For Junior Consumer Loan Underwriter Resume
- Coach team members
- Works independently, needing minimal supervision, to evaluate complex loan request packages on all commercial income property types on loans up to the department's maximum loan amount
- Review, analysis and risk assessment of physical characteristics of various property types based on information provided and on physical inspection of the property and neighborhood
- Review, analysis and risk assessment of market conditions for various types of property in diverse marketing areas in California, Oregon, Washington and other Bank identified lending areas
- Review, analysis and risk assessment of borrower management experience
- Strong knowledge of real estate markets in California, Oregon and Washington
- Review, analysis and risk assessment of complex property operating statements for all commercial income property types
- Review appraisals, environmental reports and property condition inspection reports to identify other risk factors
- Review and approve, with minimal supervision, all documents submitted to satisfy loan conditions
List of Typical Skills For a Loan Underwriter Resume
1
Skills For Mortgage Loan Underwriter Resume
- Effective communication skills, ability to work with members by phone and e-mail
- Experience in commercial lending or experience working in a small business
- Robust credit and analytical skills and extensive acquaintance of bank services
- Previous underwriting experience and solid knowledge of underwriting criteria utilized, per conventional business loan financing guidelines
- Good understanding of, and/or previous experience in, the granting of business credit
- Prior Credit Union experience
2
Skills For Consumer Loan Underwriter Resume
- Manual credit review skills, unassisted by DU
- Advanced level of risk assessment skills and ability to mitigate risk due to higher loan amount requests
- Mortgage processing/underwriting experience in a Home Equity or Mortgage environment
- Demonstrate In-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests
- Solid understanding of small business lending market
- Demonstrates In-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests
- Validate the data entry to the appropriate Loan Operating System and evaluate all applicable documentation as required by job function
- Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by
- Two years’ experience in a lending environment
3
Skills For Commercial Loan Underwriter Resume
- Experience in automated underwriting systems to include FNMAs Desktop Underwriter (DU) and FHLMC’s Loan Prospector (LP)
- Mortgage Underwriting experience
- Two or more years experience in Mortgage underwriting, familiarity with all mortgage products
- Five or more years’ experience in SBA/government program lending
- Experience with lending guidelines and familiarity with loan terminology
- Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function
- Complex income calculation experience
- Strong knowledge of SBA SOP’s
4
Skills For Mort Loan Underwriter Resume
- Experience in frontline underwriting on retail, wholesale, and/or jumbo loans is required
- Excellent working knowledge of DU/LP/AUS, FHA Connection and Total Scorecard
- Demonstrate willingness to accept increasingly complex responsibilities
- Making credit decisions on new applications for Visa, MasterCard and Line of Credit accounts
- Making credit decisions on new applications for secured auto loans and at some point, other types of secured loans and unsecured loans
- Assigning credit limit in accordance with company policy
- Responding to applicant mail or phone inquiries
5
Skills For Commercial Real Estate Loan Underwriter Resume
- Working knowledge of secondary market practices and procedures
- Suggesting potential alternate offers for files suggested for decline
- Working knowledge of commercial credit policies and procedures, business balance sheet and cash flow analysis
- Understanding of FNMA /FHLMC Relief Refinance guidelines and the implications to DU
- Assesses risk of credit deals and business failing by assigning a rating and recommending any necessary action to mitigate credit union risk
- Confers with Processors/Loan Officers to aid in resolving issues that arise during the underwriting or closing of loans
- Identify loans for exceptions while ensuring proper procedures are followed for approval and documentation. Assist in clearing or resolving any issues
- Basic understanding of credit scoring and pricing models
- Assist in the servicing of all mortgage and home equity loans, including but not limited to ordering appraisal, titles and flood certifications
6
Skills For Home Equity Loan Underwriter Resume
- Communicate with management, loan servicing and other lending personnel regarding all issues and results to help ensure standard turn times are met
- Keeps informed of current underwriting practices and assists in updating the Bank underwriting policies
- Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation and assists in clearing or resolving any issues
- Approve loans, issue alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures
- Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures
- Evaluate mortgage loan applications using sound judgment and discretion in making credit decisions
- Provide training, mentoring and support for other consumer loan underwriters
- Basic knowledge of lending systems and credit scoring systems
7
Skills For SBA Loan Underwriter Resume
- Work with underwriters and dealers to resolve exceptions to underwriting conditions on contracts that come in for funding
- Evaluation of credit reports and relevant ratios used in underwriting and evaluating mortgage loans
- Prepares summary and/or credit approval report documenting credit analyses and recommendation for credit decision to approving authority
- Technical knowledge of consumer banking and underwriting
- Assists with the ongoing maintenance of the area’s underwriting manual
- Maintains current knowledge of business loan products being offered by NFCU and any changes to guidelines that impact the underwriting of loans
8
Skills For SBA / Government Loan Underwriter Resume
- Uses and has rudimentary/basic knowledge of automated scoring systems or traditional underwriting methods
- Assists in determining credit worthiness of borrowers according to established guidelines
- Regular and active supervision, coaching and mentoring from Supervisor and/or Business Underwriter III
- Works toward becoming a subject matter expert on consumer lending processes, policies and products for internal and external customers
- Has knowledge of all federal and state regulations regarding lending and related departments
- Approves loans, issue alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures
- Coaches and mentors assigned operations staff. Assists with training and guidance as assigned by Underwriting Manager
- Underwrite ethical and salable residential mortgage loans and consumer loans and evaluate risk while insuring the quality of each loan submitted
9
Skills For Real Estate Loan Underwriter Resume
- Contribute to the Bank's profitability by making consumer loans which meet the Bank’s standards for economic value and safety
- Service existing loan accounts and handle modification of terms
- Basic knowledge of credit risk analysis/underwriting principles, methods, practices and regulatory requirements
- Approve or decline these applications based on underwriting guidelines
- Travel with area sales manager on dealer visits for relationship building
- National Mortgage Licensing System (NMLS) is required within 30 days of active employment with MPCU
- Refer mortgage applications outside of authority to Mortgage Lending Manager for review and approval
- Attend staff meetings as needed to ensure the proper dissemination of information regarding products and services and procedures
- Analyze new lending opportunities, review leases, perform financial analysis and prepare deal memos for senior management
10
Skills For Junior Consumer Loan Underwriter Resume
- Assist the Genworth origination team with loan sizing, quotes, and application preparation
- Assume responsibility for certain key portfolio reporting and loan analyses as well as spearhead special projects
- Presents facts and offers opinions/recommendations to Business Development Officers (BDOs) concerning applicant’s credit worthiness
- Perform review, analysis, and risk grading of loan packages, at all levels of complexity, submitted by loan officers
- Review, analysis and risk assessment of complex personal and business entity financial statements, credit reports and supporting data
List of Typical Responsibilities For a Loan Underwriter Resume
1
Responsibilities For Mortgage Loan Underwriter Resume
- Five or more years of relevant experience in underwriting and risk assessment (at all levels of complexity) of commercial and income property related real estate loans
- Strong knowledge of apartments, mobile home parks, office, retail, industrial, and specialty commercial properties
- Reviews and analyzes loan applications to ensure that necessary documents have been received and validates the integrity of the data
- Ensure proper compliance measures and action regarding Fair Credit, Reg. Z, and Reg B compliance. This duty is performed daily, about 5% of the time
- Evaluate most complex personal and business financial statements and tax returns
- Utilizing DecisionPro software, underwrites and ensures the satisfactory and prompt delivery of all consumer loan underwriting decisions,. This duty is performed daily, about 60% of the time
- For loans secured by real estate, provides guidance to Consumer Originators regarding procedures and disclosures related to Fair Housing Act, Home Mortgage Disclosure Act (HMDA), Reg X-RESPA, Home Ownership & Equity Protection Act (HOEPA), National Flood Insurance Act, SAFE Act. This duty is performed daily, about 5% of the time
- Identifies and communicates other pre-approved consumer products and services to loan originators. This duty is performed as needed
- Conducts consumer loan credit investigations, if requested. This duty is performed as needed
2
Responsibilities For Consumer Loan Underwriter Resume
- Participates in new consumer loan product development and implementation, if requested. This duty is performed as needed
- Acts as administrator to maintain upgrades and changes to the consumer loan decision software DecisionPro. This duty is performed as needed
- Reviews and prepares loan denials for all denied commercial and consumer real estate loans. This duty is performed daily, about 15% of the time
- Process and compute report for credit life insurance policies. This duty is performed monthly, about 5% of the time
- Works closely with development team/business member to ensure all appropriate data is obtained
- Determines credit-worthiness of the borrower by performing qualitative/quantitative analysis such a review of financial statements, credit reports, and applicable ratios (e.g., Debt to Income (DTI), Loan to Value (LTV), etc.) using established guidelines of NFCU, industry best practices and applicable state and governmental regulations
- Proposes/determines the appropriate deal structure commensurate with the associated risk level on approved business credit deals, including appropriate financial, operational or capital/cash covenants
3
Responsibilities For Commercial Loan Underwriter Resume
- Analyzes counter offers, exceptions and rejections and recommends alternative business products better suited to the business loan applicant
- Reviews and evaluates business annual financial statements/tax returns to ensure adherence to NFCU, SBA and relevant industry practices/requirements
- Approves or declines business loan submissions within assigned authority
- Approves business loans and authorizes loan disbursements based on a complete analysis of submitted documentation and applicable rules and regulations, in accordance with NFCU Business Lending policies and procedures
- Prepares adverse action (loan disapproval) notifications on behalf of the Business Lending Committee in recognition of the compliance provisions of the Equal Credit Opportunity Act (Reg B.)
- Validates, identifies, gathers and prepares data
- Provides daily input to management reports
- Assists with or completes the required monthly Colson report for NFCU’s SBA program
- Spreads financial statements and tax returns within automated online tools (Statement Analyzer or CASH) or spreadsheets
4
Responsibilities For Mort Loan Underwriter Resume
- Recommends approval/disapproval with concurrence of Business Underwriter II, III and/or management
- Underwrites credit cards and small/simple business loans up to $50,000
- Works within defined procedures to evaluate standard loan applications
- Rarely communicates with members directly
- Begins receiving and processing the least complex consumer loan requests (including HELOC and other consumer-purpose home mortgage products) from new originations, renewals, and the refinancing and modification of existing loans
5
Responsibilities For Commercial Real Estate Loan Underwriter Resume
- Handles inbound calls from Call Centers or warm hand-offs from a branch to assist customers with applying for a loan. Assesses customer needs and promotes appropriate lending products. Establishes rapport with customers and identifies cross-selling opportunities
- Interviews applicants to develop information concerning their loan needs, earnings and financial condition. Completes and submits web-based data capture form
- Adheres to established loan policies and procedures. Works within documented approval process to ensure that underwriting and credit quality standards are maintained. Resolves exceptions and non-standard underwriting issues
- Learns to recognize override opportunities and escalates to Team Lead or other appropriate reviewer in accordance with the escalation procedure. Obtains approvals on loan applications, pricing and policy exceptions that are beyond the organization's standard guidelines
- Ensures compliance with all consumer regulations, including fair lending, and ensures loan policy limits are observed on all loans processed. Stays abreast of variations in laws across state boundaries
- Conducts income verification. Conducts outbound approval and declination calls. Communicates underwriting results and approval recommendations to front-line lenders. Collaborates with lender to obtain proper documentation for loan approval
6
Responsibilities For Home Equity Loan Underwriter Resume
- Validating files suggested for decline by reviewing and analyzing credit report, title report, income documentation, collateral, etc
- Experience underwriting and processing loans
- Maintain a strong focus on continued growth and learning of essential underwriting knowledge
- First mortgage underwriting experience
- Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher
- Making approval/denial decisions based on information gathered by contacting applicants, credit unions, etc
- Understanding of financial accounting principles and concepts
- Communicate best practices, coaching opportunities, and training needs to the field including opportunities to improve overall loan submission quality
- Maintains accurate, timely, and orderly records and files of completed work and work -in-progress. Forwards decisioned loan applications to processing team
7
Responsibilities For SBA Loan Underwriter Resume
- Complete knowledge of FNMA/FHLMC guidelines. General knowledge and exposure to funding and loan documentation is helpful but not required. Strong knowledge of state and federal lending regulations (i.e., Respa, Reg Z, Reg B, ECOA, state fair lending)
- Continued participation in lending classes and/or workshops to further job knowledge as necessary
- Responds to members' inquiries and requests; assists in completing forms and documents
- Review and respond to general underwriting scenarios
- Assist the Sr. Underwriting team in a manner that employs adherence to Discover Home Equity Guidelines
- Assure compliance with anti-money laundering and Sanctions laws and regulations
- Familiarity with Windows 2010, Word, Excel and Outlook
- Outstanding oral and written communication skills including the capacity to professionally and tactfully communicate with others, and present information clearly and effectively
8
Responsibilities For SBA / Government Loan Underwriter Resume
- Maintain thorough acquaintance of banking regulations, SBA regulations/government lending programs, and a complete understanding of credit risk management and Loan Policy
- Experience using Microsoft Word and Excel or related software applications
- Knowledge of business underwriting process and understanding of applicable rules and regulations
- In the banking or financial services industry
- Evaluate personal and business tax returns
- Familiarity with FNMA/FHLMC guidelines
- Review members' applications, and credit reports; review tax returns, pay stubs, and other paperwork as needed
9
Responsibilities For Real Estate Loan Underwriter Resume
- Resolves members and/or dealer problems and/or complaints
- Regularly consults with department head to evaluate results with regard to loan goals and analyze current marketing plan, product offerings, interest rates, and processing procedures to ensure continued achievement of goals
- Customer service and sales focus
- Review files submitted for final approval
- Assure compliance with the application of all other applicable regulatory requirements including but not limited to ECOA, Regulation B, RESPA, Regulation X, HMDA, Regulation C, TILA, Regulation Z, and Regulation O
- Excellent understanding of business underwriting principles and concepts
- Experience in a financial institution or loan office setting
10
Responsibilities For Junior Consumer Loan Underwriter Resume
- Progressive underwriting experience
- Thorough knowledge of and extensive experience in credit union or retail banking operations
- Strong knowledge of credit policies, procedures, practices and documentation
- Secondary market experience
- Knowledgeable of lending laws and procedures for real estate lending
- Familiarity with financial ratios and concepts, such as database, word processing and business lending system software
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