Real Estate Underwriter Resume Sample
Tomasa Bogan
9715 Evan Parks,
Boston,
MA
+1 (555) 988 8326
Work Experience
Senior Commercial Real Estate Underwriter
07/2015
-
PRESENT
Houston, TX
- As a Real Estate Underwriter, directly underwrite residential portfolio mortgage, construction and HELOCs to Bank’s policies, procedures and standards
- Perform in accordance to the bank’s efficiency standards
- Effective time management in meeting the bank’s efficiency standards
- Underwrite multiple product types of HomeStreet’s portfolio or Fannie Mae as needed. Underwrite loan assumption and modification requests
- Underwrite HomeStreet’s Fannie Mae or portfolio loans as needed. Underwrite loan assumption and modification requests
- Assists and counsels originators in qualifying loans, determining borrower's needs, determining appropriate commercial real estate loan product in light of needs, and obtaining requisite financial data
- The underwriter is responsible for identifying the key risk factors related to a specific transaction, as well as his/her assigned portfolio
- Lead or participate in customer due diligence calls as necessary
- Attend client/bank meetings to develop a better understanding of the company and assess management
Commercial Real Estate Underwriter
07/2011
-
03/2015
Philadelphia, PA
- Presents facts to Commercial Relationship Managers (CRM) concerning applicant’s credit worthiness
- Reviews closing due diligence in collaboration with and oversight by Debt Products Manager
- Review, analysis and risk grading of smaller loan packages on loan requests submitted by loan officers
- Review, analysis and risk assessment of physical characteristics of selected commercial property types, generally residential income projects (multi-family buildings and mobile-home parks), based on information provided and, as deemed necessary, on physical inspection of the property and neighborhood
- Review, analysis and risk assessment of personal and business entity financial statements, credit reports and supporting data for most non-complex borrowing entities under Underwriting Manager's supervision
- Review, analysis and risk assessment of management experience
- Under Underwriting Manager's supervision, review appraisals, environmental reports and property condition inspection reports to identify other risk factors for most property types
- Identify and specify loan funding/closing requirements/conditions necessary to limit risk to the association and ensure compliance with loan policies and procedures
Commercial Credit Real Estate Underwriter
07/2007
-
01/2011
Dallas, TX
- Assist in Internal Asset Review activities
- Able to add value directly to client and coverage in articulating Regions’ underwriting methods, processes and risk appetite for specific debt products
- Maintains market knowledge of loan pricing and structural trends to match client needs with Regions’ debt product solutions
- Calls jointly on clients with coverage bankers to understand clients’ needs and specific risks to client business
- Correspond with borrowers and loan brokers to obtain and/or clarify property and borrower related information for new loan origination or existing loan portfolio management
- Works with loan officers, loan closers, external counsel and others to resolve credit related issues during the loan origination and closing process as well as for existing loans
- Collect data and prepare special reports for senior management
- Complete site visits and attend other events on behalf of the Bank
Education
The University of Alabama
2002 - 2006
Bachelor's Degree in Business Related Field Business With Emphasis
Professional Skills
- Strong analytical skills. Strong attention to detail. Excellent co-worker and customer service skills
- Strong communications, analytical, time management, decision-making, and organizational skills
- Experience in commercial real estate with a strong understanding of commercial real estate fundamentals
- Strong knowledge of Microsoft Office systems including Outlook, Excel, Word, etc
- Experience in accounting, finance or real estate
- Think and react in a fast-paced environment while juggling multiple priorities
- Excellent customer service at all times
How to write Real Estate Underwriter Resume
Real Estate Underwriter role is responsible for retail, customer, finance, credit, training, database, mac, events, basic, technology.
To write great resume for real estate underwriter job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Real Estate Underwriter Resume
The section contact information is important in your real estate 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 Real Estate Underwriter Resume
The section work experience is an essential part of your real estate 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 real estate 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 real estate underwriter position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Real Estate Underwriter resume experience can include:
- Strong computer skills, able to adapt to new technology in daily work
- Sensitive to deadlines and priorities
- Responsible for underwriting new multi-family and commercial real estate loans
- Review and analyze borrower financial information including tax returns and financial statements
- Responsible for assembling virtual credit file in Baker Hill system and physical credit file in office
- Work with our Capital Markets desk in facilitating interest-rate swaps for respective CRE loans
Education on a Real Estate Underwriter Resume
Make sure to make education a priority on your real estate underwriter resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your real estate 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 Real Estate Underwriter Resume
When listing skills on your real estate 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 real estate underwriter skills:
- Working knowledge of credit policy
- Work involves sitting, occasional walking, and lifting up to 10 pounds
- Assist lenders with structuring new transactions, negotiating terms with borrowers, overseeing approval process and closings
- Assist the Loan Originators in championing new deals through the vetting and approval process with Risk Management
- Calculate capital returns and risk ratings through proprietary Bank models/systems to ensure appropriate pricing/exposure levels on new/existing transactions
- Multi-task including working on multiple deals concurrently
List of Typical Skills For a Real Estate Underwriter Resume
1
Skills For Commercial Real Estate Underwriter Resume
- All underwriting requests from all Regional Offices, are administered through the New York office
- CMB is at the heart of the Group’s strategy to be the Leading International Bank. The business operates in a highly competitive banking environment competing for international business where we have a “right to win”
- Ensures that certification or deletion of collateral is made by the appropriate personnel.Negotiates, underwrites and processes renewals of credit facilities
- Approves loan payments, draws from lines of credit, and fund transfers within specified limits.Authorizes commitment, engagement, action and decline letters
- Consistently applies good decision making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.Verifies funds with mortgage companies and contractors
- Review, analysis and risk assessment of personal and business entity financial statements, credit reports and supporting data for most less-complex borrowing entities under Underwriting Manager's supervision
2
Skills For Consumer Real Estate Underwriter Resume
- Spread financial statements in Moody's Risk Origins
- Review and analyze property financial information to determine property cash flows and projected debt service coverage. Review commercial leases, analyze lease concentration and roll off risk
- Review third party appraisals and environmental reports
- Contact with Lenders, Borrowers, Brokers, CPAs to obtain and understand required financial information
- Work with outside attorney to prepare commitment letter
- Analyzes and evaluates various permanent commercial real estate loan opportunities on multifamily, office, retail, industrial, self-storage and mobile home park properties
- Read and interpret complex financial statements, tax returns and other financial documents
3
Skills For Commercial Credit Real Estate Underwriter Resume
- Work with third party providers to ensure reports are acceptable and Agency / M&T RCC compliant
- Identify all necessary product waivers and prepare for submission to Fannie Mae in Deal Management
- Accurate and timely completion of a comprehensive underwriting analysis that is in the form of a Loan Summary Approval package that includes, but not limited to, underwriting spreadsheets, narrative, Schedule of Real Estate Owned, maps, pictures, etc
- Assist in the preparation of loan approval forms for use in decision making by loan officers and the requisite approval authorities
- Actively participate in site inspections, customer and prospect calls as a part of the underwriting and due diligence process
- Willingness to be flexible and accommodate to changing demands
4
Skills For Commercial Bank Risk-commercial Real Estate Underwriter Resume
- Assume responsibility for the management of a credit portfolio of Commercial Real Estate relationships in the Private Bank
- Work closely with Loan Originators to conduct required due diligence to evaluate and structure new Commercial Real Estate transactions,
- Interact with clients, their financial representatives, and Private Bankers to obtain financial data and information needed to underwrite new credit transactions and maintain the existing credit portfolio
- Perform credit analysis and underwriting of new deals and existing exposure (Annual Review process) under existing Product Program and Core Credit Policy guidelines
- Manage the periodic covenant monitoring and compliance process for each relationship
- Negotiate loan documentation with clients in consultation with Bank counsel
5
Skills For Senior Commercial Real Estate Underwriter Resume
- Work closely with Loan Originators to conduct required due diligence to evaluate and structure new Commercial Real Estate transactions
- Perform collateral analysis of current and prospective customers
- Actively participate in internal and Wintrust level credit committees in support of approval process
- Maintain credit pipeline with appropriate details and comments of deals assigned
- Work as a team to accomplish tasks required
- BA typically required
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