Mortgage Analyst Resume Sample
Retta Dietrich
23120 Ezekiel Views,
San Francisco,
CA
+1 (555) 188 4766
Work Experience
Senior Mortgage Analyst
07/2016
-
PRESENT
Houston, TX
- Author KeyBank Mortgage’s quarterly risk profile
- Professional experience in requirements analysis
- Professional experience writing user stories and use cases
- Rapidly conceptualize new designs impacting multiple platforms
- Writing detailed user interface design specifications
- Creating user interface design prototypes from storyboards to interactive prototypes
- Understanding of current Web trends, browsers, and Web usability best practices
- Desire to significantly and positively impact a rapidly growing, forward thinking business
- Recommend and assist with creating testing programs and protocols that ensure compliance with regulatory agencies, investors and bank policy/requirements/guidelines
Mortgage Analyst
02/2012
-
03/2016
Chicago, IL
- Complete scheduled testing of departmental functions, evaluating compliance with written procedures
- Keeps abreast of default servicing industry trends, challenges and best practices and serves as
- Experience to Capital Markets and/or data base administration
- Proven ability to make accurate decisions within acceptable timeframes
- Complete scheduled testing of team functions, evaluating compliance with written procedures
- Work with the individual business teams to update procedures and processes as necessary based on review
- Review regulatory, investor, and bank announcements and provide a summary to affected teams within the operation. Follow up when necessary to ensure procedural updates have occurred and implemented
- Update Key Performance Indicators (KPI’s) to ensure Business Controls and the associated risk(s) are effectively managed through data and information
- Assist with creating testing programs and protocols that ensure compliance with regulatory agencies, investors and bank policy/requirements/guidelines
Mortgage Servicing Loss Mitigation Analyst
10/2005
-
10/2011
Chicago, IL
- Review forms, disclosures and other documents to validate information and ensure compliance with applicable laws and regulations
- Perform compliance monitoring and testing of team functions, evaluating compliance with written procedures
- Five years of experience in data analysis, data visualization and reporting (e.g. SAS, SQL, R, Python, PowerPoint/Tableau)
- Effectively communicate findings, analyses, implications and recommendations to a diverse group of stakeholders across all levels of organization
- Demonstrated proficiency in basic computer applications, such as Microsoft Office software products (strong Excel experience required)
- Experience in mortgage or financial industry
- Database - MS Access, SQL or other relational databases
Education
Kansas Wesleyan University
2001 - 2005
Bachelor's Degree in Business
Professional Skills
- Strong computer programming skills with VBA, Python and R
- Strong communication skills both written and verbal
- Advanced general computer skills
- | Prior experience as an end user of mortgage loan origination software application
- Training is provided-no experience required!
- Experience analyzing and trading agency and non-agency RMBS, including pass-throughs and CMOs
- Comprehensive experience in servicing loans according to applicable investor guidelines
How to write Mortgage Analyst Resume
Mortgage Analyst role is responsible for government, software, finance, credit, securities, training, database, trading, architecture, reporting.
To write great resume for mortgage analyst job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Mortgage Analyst Resume
The section contact information is important in your mortgage analyst 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 Mortgage Analyst Resume
The section work experience is an essential part of your mortgage analyst 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 mortgage analyst responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular mortgage analyst position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Mortgage Analyst resume experience can include:
- | Excellent written and verbal communication skills
- Getting the best outcomes for our clients by building and leveraging effective relationships with third parties
- | Experience as a project coordinator or leading small projects and familiarity around concepts of implementing projects
- Five years of experience in data analysis, data visualization and reporting (e.g. SAS, SQL, R, Python, MicroStrategy, PowerPoint/Tableau)
- Practical and theoretical experience in fixed income quantitative analysis, with term structure, prepayment, and option-adjusted spread modelling desired
- Mortgage banking experience
Education on a Mortgage Analyst Resume
Make sure to make education a priority on your mortgage analyst resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your mortgage analyst 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 Mortgage Analyst Resume
When listing skills on your mortgage analyst 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 mortgage analyst skills:
- Mortgage reporting experience
- 6+ months experience in customer service, loan administration, collections, or sales environment
- Strong analytical abilities with an attention for detail
- Strong technical aptitude with ability to learn multiple systems quickly
- Strong proficiency in the MS Office Suite (e.g., Excel, Powerpoint, SharePoint)
- Review and balance mortgage servicer’s transaction history consisting of HUD payments, invoice payments, servicing fees, MIP, and interest rates
List of Typical Experience For a Mortgage Analyst Resume
1
Experience For Mortgage Credit Analyst Resume
- Working directly with senior management to build, update, and analyze the data from multiple sources across the Mortgage landscape
- Perform deep analytics on multiple areas of the Mortgage business, giving Senior Leadership the capability to take action
- Analytical mind - problem solver
- Knowledge of BB&T’s culture
- Knowledge of BB&T’s standard software packages
- Drive performance / data-driven changes from a granular level (e.g. timing of housing permits to home starts) to larger scale initiatives (e.g. MBA mortgage apps versus Ally apps)
- Articulate and quantify potential risk and opportunity factors based on trended analysis and general market conditions
2
Experience For Mortgage Lending Business Analytics Analyst Resume
- Responsible for daily / weekly / monthly Market Updates to senior leaders in Mortgage as well as the President of Consumer Banking and our critical business partners
- Work with Director of Pricing, Analytics and Market Intelligence as well as the Product Director to develop more predictive analytics on the housing market and the potential impact to Ally Home Loans
- Work with the Manager of Data and Business Intelligence to ensure we have the proper amount of data to perform our analytics while also converting all Excel / PowerPoint reporting into Tableau
- Develop analytics and quantitative tools used to support the portfolio allocation and management processes
- Develop in partnership with Finance and Risk comprehensive policies that addresses the respective risk and P&L reporting requirements of the Investment group and other related functional areas
- Engage in Agency MBS trade execution along with corresponding hedges including MBS TBA and interest rate derivative and serve as a primary contact for daily transaction activities with middle- and back-office functions
- Run monthly analytics and models to assess current and future portfolio risks
3
Experience For Mortgage Servicing Loss Mitigation Analyst Resume
- Run and analyze potential new investments for the portfolio. Identify and suggest new ways to analyze investment opportunities
- Supports leaders in BA team member development, performance assessments, and assignment of responsibilities and goals
- Mortgage Experience --- 4-7 years prior experience in the role of a Business Analyst, preferably in a busy Mortgage Loan Origination and Fulfillment operation
- | Experience and familiarity with vendor provided software upgrade process including loan origination system, related third party software utilized with validating mortgage loan customer applications. --- Core BA Responsibilities --- Lead and direct small, medium and large business line teams in medium to large projects
- | Develop and manage business analysis phase/stage plans (i.e., major activities, activities, tasks, milestones, schedule, resource allocation)
- | Identify opportunities for functional domain business process improvements
- In analysis
- Maintain an expert knowledge of assigned computer applications with the mortgage line of business and a working knowledge of other applications operating in the same or integrated environments. Possess full technical knowledge of most phases of data analysis, and consider the business implications of such analysis to the current and future business environment
List of Typical Skills For a Mortgage Analyst Resume
1
Skills For Mortgage Credit Analyst Resume
- Experience using SQL or other programming software
- Providing feedback and influencing the sales and product team to help drive innovation; and
- Providing feedback and influencing the sales and product team to help drive innovation
- Ongoing professional coaching
- Working knowledge of securitized products market
- | Proactively participate in testing activities, providing input into test plan accuracy and completeness
- Assist in generating reports pertaining to Morgan Stanley Home Loan’s risk profile
- Support inter-function ALM, accounting, and forecasting efforts
- Assist in tracking and reporting the performance of the residential whole loan portfolio
2
Skills For Mortgage Lending Business Analytics Analyst Resume
- Provide analytical support to residential mortgage loan trading and reporting team
- Work on month end reporting including performance trends, potential sales candidates and aggregation of industry data
- Take personal initiative and to set and achieve challenging goals
- Both work independently and follow instructions, depending on the
- Tasks require coordination of information among various operational areas and customers while using multiple online systems
- Advanced understanding of Statistics and Probability
- Insures accurate reporting to investors, guarantors, and credit repositories
- Familiarity with bank asset-liability management practices and relevant accounting policies
- Become an expert on our internal credit and cash flow models. Identify and drive improvements to modeling processes
3
Skills For Mortgage Servicing Loss Mitigation Analyst Resume
- Uses critical thinking to solve complex problems and issues
- An existing approval delegation / DLA - Essential
- DLA in residential lending
- Perform a variety of financial review tasks for a moderately complex to complex loan process or functions
- Analyze business requirements from business operations and customers for UI impact and rapidly iterate through UI design proposals to meet these requirements
- Develop high level and/or detailed storyboards, mockups, use case scenarios, and task flows to effectively communicate design ideas and interactions based on product and business requirements
4
Skills For Senior Mortgage Analyst Resume
- Strong communication and presentation skills with diverse groups and
- Continual professional coaching, networking and development
- Data entry expertise (7,500 MIN alpha and numeric ksph)
- Self-motivated and able to take initiative
- Assess impact or potential impact of change initiatives based on government guidelines
- | Document and model 'as is' and 'future' business processes. Analyze, optimize 'as is' and 'future' business process models and model to be 'business process model.'
5
Skills For Mortgage Business Controls Analyst Resume
- | Experience as a business analyst using standard project management methodology
- | Experience and comfort leading team meetings with stakeholders
- | Track and manage business requirements changes during the project life cycle
- | Facilitate and direct testing defect tracking and reporting as needed and guide Business Line through the testing process by supporting Residential Lending Test Team
- Looking for someone with/who --- Exposure to technology concepts and procedures with a complex architecture
- BA/BS in Finance, Accounting, Business, Economics, Math or any other related field of expertise
6
Skills For Mortgage Business Systems Analyst Resume
- MBSExpert (A Broadridge System)
- ICI/Impact (A Broadridge System)
- Time away from work, vacations and holidays
- Proficient with debt to income ratio requirements (FHLMC, FNMA and Government -insured loans).
- Review and affirm calculations provided by business unit analysts
- Assist in the Compilation of quarterly Qualitative and Environmental Factors for Wealth Management (WM)
- Prepares and presents a complete analysis of mortgage loan portfolios to senior management regarding the severity of defaults, potential defaults relative to borrower information and industry experience, and the potential for the defaults to be cured. Consolidate and review reports prepared by other areas prior to submission to senior management
- Offers leadership direction to others by supporting and training new or less experienced Default Analysts, and participating in and leading intra- and inter-departmental special project teams
- Present information for specific assets on a monthly basis to decision makers to identify potential assets for valuation review by the Asset Valuation Adjustment Committee and potential loan impairment
7
Skills For Mortgage Loan Default Analyst Resume
- Researches information regarding mortgage loan system transactions, and monitors compliance by accessing web-based bank systems for various client accounts
- Reviews late payments and makes recommendations regarding assessment or waiver of late fees. Conducts the Mortgage Loan Collections Committee. Contacts borrowers to collect unpaid late fees
- Analyzes mortgage loan legal documents to verify system calculations; researches and interprets legal provisions contained within the loan documents for individual loans pertaining to grace days, default interest, cure periods and calculation methodology
- Work with TPSO management, Risk, Compliance and Audit SME’s to prioritize and execute implementation or remediation plans
- Experience with quantitative tools
8
Skills For Credit Risk Management Mortgage Analyst Resume
- Strong analytical/math background
- 1-3-year work experience in the mortgage or mortgage related industry
- Monitors maturity dates of loans, coordinates payoff requests and prepares payoff letters
- Identifies, participates and contributes ideas for success in relation to assigned work, maintenance of department standards, requirements and documentation, including updating written procedures and implementation of process enhancements,particularly to accommodate various client requirements
- Identifies the application systems, gathers and organizes data to use for preparing reports and analysis. Acquires and abstracts primary or secondary data from existing internal or external data sources
- Reviews delinquent accounts to target borrowers with possible hardships
- Communicates with borrowers to collect financial information
- Reviews and analyzes financial hardship packages to determine borrowers’ ability to pay
- Those who don’t meet the requirements can be considered for a Risk Analyst I, Officer/Associate level role
9
Skills For Mortgage Banking Master & Subservicing Analyst Resume
- Understands technology trends, including web technology trends, and use this knowledge to bring solutions to the business to enhance the company’s competitive edge and makes recommendations for buy vs. build decisions
- Conducts analysis for existing mortgage portfolio performance as well as pre-selection analysis to ensure compliance with all regulations; CRA, Fair lending, etc..
- Reviews and analyzes financial hardship packages to determine borrowers' ability to pay
- Reviews delinquent accounts to target borrowers with possible hardships
- Reviews and analyzes financial hardship packages to determine borrowers’ ability to pay
- Communicates with investors, mortgage insurers, other lien holders, title agents, realtors, and attorneys to obtain all pertinent information
- Authorizes a workout recommendation appropriate to the circumstances and acceptable to all parties then negotiates the terms of approval
10
Skills For Mortgage Quality Analyst Resume
- Performs additional responsibilities as needed
- Bloomberg, FactSet, and Microsoft Office
- Analyzes business requirements from business operations and customers for UI impact and rapidly iterate through UI design proposals to meet these requirements
- Develops high level and/or detailed storyboards, mockups, uses case scenarios, and task flows to effectively communicate design ideas and interactions based on product and business requirements
- Lead analysis effort to gather, formulate, define and design solutions to the most complex business problems. Extract and evaluate information gathered from multiple sources, resolve data conflicts and customize communication of key data findings to a diverse audience
- Maintain an expert knowledge of assigned computer applications and a working knowledge of other applications operating in the same or integrated environments. Possess full technical knowledge of most phases of data analysis, and consider the business implications of such analysis to the current and future business environment
- Primary focus is to understand the mortgage market as a whole (from what drives pricing to what volume is being originated and everything in between) and determine the best methods for translating that to the broader Mortgage business
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