Underwriter Resume Sample
Harry Willms
306 Jayden Drives,
Houston,
TX
+1 (555) 101 2358
Work Experience
Underwriter
12/2017
-
PRESENT
Chicago, IL
- Serve as client’s primary source of credit-related information
- Monitor accounts to ensure compliance with the firm’s policies and procedures
- Understand the client’s needs and have knowledge of the risk profiles associated
- Analyze financial data including personal tax returns; pay stub,W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement, hoi etc
- Ensure that rates and products are within Key’s policy
- Review additional documentation including trust agreements, POA’s, divorce decrees, etc. when needed
- 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
- Analyze financial data including personal tax returns, pay stubs, W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement and home owner’s insurance
Underwriter
08/2010
-
07/2017
Boston, MA
- Opportunity to work on special projects versus only underwriting cases
- Responsibility for growing and sustaining regional book of business along with team
- Assists in the development and training of loan production personnel, loan closers, and set-up employees
- Secures relevant information and documentation needed to render lending decisions on SIDs, PUDs, and HOAs. Seeks formal legal opinions if needed
- Gathers information in order to solve problems and make decisions through phone contact to managers, loan originators, government agencies, realtors, and borrowers
- Utilizes Fannie Mae’s Desktop Underwriter to determine loan eligibility for sale to Fannie Mae
- Provides written letters of commitment for each loan decision detailing required documentation, and mortgage amount approved
Education
Palm Beach Atlantic University
2006 - 2010
Bachelor's Degree in Finance
Professional Skills
- Strong working knowledge of underwriting policies and procedures. Demonstrated strong analytical skills, strong written and oral communication skills
- Strong interpersonal skills; demonstrated through oral and written communications skills
- Good client and public presentation skills; excellent oral and written communication skills
- Advanced credit analysis skills, and demonstrated analytical skills
- Demonstrates excellent customer service skills when dealing with both internal and external customers
- Strong technical multi-line underwriting skills; strong knowledge of Property/Casualty business and products
- Demonstrated verbal communication skills, including the ability to communicate effectively with clients and internal RBC partners
How to write Underwriter Resume
Underwriter role is responsible for analytical, underwriting, interpersonal, organizational, business, computer, analysis, negotiation, financial, technical.
To write great resume for underwriter job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Underwriter Resume
The section contact information is important in your 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 Underwriter Resume
The section work experience is an essential part of your 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 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 underwriter position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Underwriter resume experience can include:
- Review and analyze the reverse mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
- To demonstrate good questioning skills in both written and verbal communication in order to achieve the desired outcome effectively
- Excellent organisational and prioritisation skills Ability to effectively negotiate
- Strong written and oral communication skills, including presentation skills and public speaking proficiency
- Strong underwriting skills, advanced job and business knowledge, 3-5 years experience
- Actively keep abreast of market dynamics and demonstrate market cycle awareness to be able to operate effectively and appropriately
Education on an Underwriter Resume
Make sure to make education a priority on your underwriter resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your 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 Underwriter Resume
When listing skills on your 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 underwriter skills:
- Exceptional analytical, critical thinking and problem-solving skills along with excellent written and verbal communication skills
- Excellent interpersonal skills, written and verbal/phone communication skills
- Three to five years of underwriting experience required; prior indirect auto underwriting experience strongly desired
- Demonstrates excellent communication skills, exercising appropriate discretion in dealing with people from all levels of the Company
- Strong presentation, prioritisation and time management skills
- Demonstrates strong Excel skills
List of Typical Experience For an Underwriter Resume
1
Experience For Underwriter Resume
- In-depth knowledge and underwriting experience for Long Term Care as well as strong broker development skills
- Functional/Technical Skills: Has the functional and technical knowledge and skills to perform the job, as required
- Strong underwriting skills allowing for timely identification of credit concerns by bringing items of concern to the Relationship Managers attention
- Strong negotiating skillsInnovative in underwriting approach and programme design
- Life underwriting experience with demonstrated competence and experience handling complex cases
- Strong financial analysis, conduit underwriting and spreadsheet skills
- A high level of customer service, including good time management skills and the ability to deal with external (brokers) and internal customers
- Quality relationship management skills (internal and external) and strong existing broker relationships
2
Experience For Underwriter Resume
- Demonstrates professional phone etiquette and interpersonal skills
- Demonstrated interpersonal skills; ability to build professional relationships with operational team and various clients
- Prioritizes time and resources to effectively manage and optimize agents/brokers performance
- Solid computer and organizational skills
- Strong communication, negotiation, customer service, relationship, and organizational skills are required
- Work with underwriting supervisor and peers on developing understanding of policy coverages, endorsements and more in depth underwriting skills
3
Experience For Underwriter Resume
- Arrive at appropriate terms using underwriting and risk data evaluations skills and adopting the Pen Real Estate underwriting philosophy
- Prior experience involving multi-tasking and detail-oriented responsibilities
- Develop underwriting skills, product knowledge, and understanding of business unit strategy
- Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with coworkers and customers
- Analytical and critical thinking and problem solving skills
- Exceptional credit knowledge and underwriting skills in Commercial and Industrial lending
4
Experience For Underwriter Resume
- Three to four years experience in group underwriting with extensive exposure with rating based on claims experience required
- Possess a strong technical underwriting skill set. Utilize underwriting guidelines and Company best practices to ensure compliance with state regulations
- Demonstrated experience in underwriting both manually and through the use of automated underwriting systems
- Underwriting experience or related insurance industry experience (claims, product, or marketing)
- Assist in developing the skills of the Sales team in all facets of the product
- Demonstrate strong underwriting quality and profitability through appropriate risk selection and documentation
- Takes ownership for assigned accounts and communicates underwriting decisions quickly and effectively with assigned clients
- Solid mortgage underwriting experience in a commercial real estate environment
5
Experience For Underwriter Resume
- Above average research, problem solving, and analytical skills
- Experience in Personal Lines Underwriting or similar company experience
- Make use of current TMM technology to process your work. Update skills as necessary, including but not limited to the GAR system and Word and Excel programs
- Sound decision making skills and ability to exercise judgment and make recommendations
- Commercial underwriting experience with large loans -- GSE multifamily experience
- Over 5 years’ experience in the Casualty marketplace with at least 3 years’ underwriting experience in the sector
- Analytical, negotiation and sales/marketing skills
6
Experience For Underwriter Resume
- Five years of credit (underwriting) experience, with Auto Finance experience required
- Three to five years of underwriting experience, with Auto Finance experience required
- Five years of underwriting experience, with Auto Finance experience required
- Five years of underwriting experience, with Indirect Auto Finance experience required
- Utilize sound credit underwriting skills to recommend and approve a final credit decision
- Utilizes sound credit underwriting skills to recommend and approve a final credit decision
- Prior experience with imaging & workflow systems
7
Experience For Underwriter Resume
- Prior experience interpreting policy language and state statutes
- Prior experience responding to escalated consumer and/or regulatory complaints
- Communicate effectively with internal/external individuals from diverse backgrounds including Regulators, Credit Audit, and outside auditors
- Good time management, with an ability to prioritize and deal with multiple, competing demands
- Competencies: Focuses on Customers, Makes Sound Business Decisions, Analytical Thinking, Produces Results, and Communicates Effectively
- Advanced analysis skills in the areas of credit, layered risk, and income
- Communicates effectively with salesforce, brokers and/or other sources concerning underwriting decisions and procedures
8
Experience For Underwriter Resume
- Lead, interact and communicate effectively with members of team on a daily basis
- Excellent grammar and written communication skill required
- Flexes communication style to match customers' needs. Diffuses emotional customer situations effectively and recognizes when to escalate
- Aptitude for figures and ability to work effectively under specific time constraints
- Proven, solid and respected Intermediary relationships
- Analytical skills and a high level of attention to detail
- Assists more junior underwriters in meeting department needs and developing skills
9
Experience For Underwriter Resume
- Attends customer and broker dialogues in order to develop consultative skills
- Listen carefully and comprehensively to customers; interpret comments or questions and respond effectively and professionally
- Reviewing and developing Medical Underwriting philosophy and evidence collation across the Life, Accident and Health team
- Maintaining a strong presence at the Lloyd’s box and being available to brokers in the office during non-Lloyd’s hours
- Working closely with all other Private Client staff in the acquisition, profitable growth and effective management of business relationships
10
Experience For Underwriter Resume
- Underwriting experience within General insurance (Home, Contents, Motor)
- Underwriting experience within Kidnap & Ransom Insurance
- Banking and/or loan originations experience
- Training or experience in financial and economic analysis
- Excellent working knowledge of property underwriting systems – RMS, CAT Agg Management, Fire rating tools etc
- Operate within defined underwriting guidelines, underwriting authority and pricing model parameters
- 6+ months experience in underwriting, processing, origination or closing or BA/BS
- Good understanding of the methods of rating as applied to our product including the principal of claims triangulations
List of Typical Skills For an Underwriter Resume
1
Skills For Underwriter Resume
- Effective analytical abilities along with strong multitasking and organizational skills
- Strong communication skills, resilience, confidence, as well as a solid work ethic
- Demonstrate strong communication skills, team work oriented, take initiatives and a self-starter
- Proven communications, negotiations, analytical, planning, organizational, problem-solving, lateral thinking, decision-making and interpersonal skills
- Good computer skills, including working knowledge of the various Microsoft programs
- Strong communication, critical thinking, analytical and decision making skills, required
- Strong analytical skills and knowledge of underwriting processes and systems
- Strong literacy, numeracy, analytical, and decision-making skills
- Strong underwriting skills, advanced job and business knowledge
2
Skills For Underwriter Resume
- Demonstrates technical underwriting skills through strategic thorough account reviews and file documentation
- Excellent technical and marketing skills required
- Strong computer skills including but not limited to Microsoft Office
- Excellent analytical, presentation, negotiating and computer skills
- Excellent verbal and written communication skills with the ability to take on increasing responsibility over time
- Computer skills including knowledge of excel and demonstrate competency in mathematics, attention to detail, and the ability to work in teams is required
- Excellent marketing skills and established relationships with insurance companies
3
Skills For Underwriter Resume
- Strong interpersonal and report writing skills with the ability to flourish in a 'team' environment
- Basic computer skills required. Experience with word processing beneficial
- Strong relationship building skills with internal and external business partners
- Excellent people, networking and communication skills
- Strong analytical and mathematical skills; understanding of insurance/claims/actuarial concepts
- Three to five years of underwriting experience required, with Auto Finance experience strongly desired
- Three to five years of underwriting experience required with Auto Finance experience strongly desired
4
Skills For Underwriter Resume
- Excellent communication skills (verbal, written, listening)
- Analytical ability – Grasp of business and risk concepts; strong problem-solving skills; ability to identify trends and interpret results
- Experience in the relevant class of business, possessing functional knowledge and skills reflective of a fully competent practitioner
- Five years of underwriting experience with prior Auto Finance experience required
- Strong organizational, mathematical, writing/language and people skills
- Excellent oral skills required
- Strong personal computer skills, including ability to learn new software products
5
Skills For Underwriter Resume
- Proven numeracy and statistical skills
- Excellent interpersonal and analytical skills and the ability to work independently
- Strong negotiation, analytical, decision making, organizational, written and interpersonal skills
- Strong computer skills in Word, Excel, PowerPoint and Outlook
- Excellent presentation skills for small or large groups
- Time management skills - ability to handle multiple priorities, organise work and meet deadlines
- Strong analytical, organization and technical skills
6
Skills For Underwriter Resume
- Good to presentation skills
- Excellent organisation skills with ability to work to deadlines
- Possesses demonstrated technical knowledge and skills, including product and industry, reflective of successful progression through job family levels
- Strong analytical and problem solving skills; ability to identify and resolve issues
- Good decisional making skills
7
Skills For Underwriter Resume
- Detailed and quality oriented with strong analytical skills
- Dedicated team player and excellent communication skills
- Effective communication skills (written & verbal), with an ability to cultivate/maintain cooperative business relationships, even in difficult situations
- Three to five years of underwriting experience required; with Auto Finance underwriting experience strongly desired
- Good Communicator and social skills
- Strong interpersonal and communication skills; the ability to work with management at a senior level
- Excellent English oral and written communication skills. Knowledge of Mandarin, Hindi, Malay or other major regional language preferable
8
Skills For Underwriter Resume
- Excellent sales, negotiation, problem solving, analytical, and project management skills
- Strong verbal communication and phone skills
- Strong customer-service focus with the ability to effectively multi-task with limited direction
- Strong financial analysis, numeracy and spreadsheet skills
- Excellent oral and written communication skills – ability to write clear and concise business documents
9
Skills For Underwriter Resume
- Strong credit, risk analysis, and analytical skills; ability to analyze and interpret credit quality information
- Excellent customer service and communication skills. Ability to work independently
- Excellent Interpersonal/Customer Skills
- Excellent customer-centric oral and written communication skills
- Strong technical skills across Microsoft Office Suite; specifically excel
- Strong math skills desired
- Strong relationship skills and business acumen
- Good knowledge and experience relative to group underwriting, including risk evaluation and understanding of experience rating formulas
10
Skills For Underwriter Resume
- Training to become an Underwriting Professional, including the development of technical and leadership skills
- Training on the industry as well as development of technical and leadership skills
- Use critical thinking and problem solving skills to negotiate terms and pricing with brokers
- Proficient computer skills using various software packages including work-processing, spreadsheet and electronic mail
- Current customer-facing mortgage underwriting experience required (Frontline underwriting experience required)
- Mortgage processing experience and 3 - 5 years in other related lending/banking experience
- Five+ years mortgage underwriting experience or equivalent, including three years of experience with manually underwritten and/or non-conforming loan amounts
List of Typical Responsibilities For an Underwriter Resume
1
Responsibilities For Underwriter Resume
- Excellent communication skills, problem-solving and process improvement experience●
- Strong negotiating, analytical, interpersonal and communication skills
- Strong organizational skills to manage multiple assignments simultaneously
- Excellent marketing skills are mandatory to develop and maintain relationships with reinsurance intermediaries
- Strong interpersonal, analytical and report writing skills and the ability to flourish in a team environment
- Stay organized within a fast paced, team-oriented, and high intensity work environment with the ability to effectively prioritize tasks
2
Responsibilities For Underwriter Resume
- Proven experience of Underwriting & Risk Management preferably in a fast moving commercial finance environment
- Demonstrated success with managing competing priorities and workload
- Technical underwriting knowledge and skills reflective of progression of positions of increasing responsibility
- Indirect Auto Finance underwriting experience strongly desired
- Commercial lines underwriting experience; at least 3 years of management experience
- Five years of underwriting experience required, with Indirect Auto Finance experience required
- Validates calculated rates through proven alternative underwriting methodologies
- Quantitative analysis and Excel spreadsheet modeling skills
- Interact effectively with other departments within division and group, as well as manage external relationships
3
Responsibilities For Underwriter Resume
- Effectively communicates required conditions/stipulation and assists where possible to expedite the final approval of a file
- Decision Quality: Makes good decisions based upon a mixture of experience, judgment, and knowledge; sought out by others for information and advice
- Results driven with great administration skills and attention to detail
- Efficient and responsive communication skills
- Communicate and market effectively
- The key skills required for this role include the following
- Efficiently and effectively process a pipeline of loans on a daily basis consisting of government and conventional loans
4
Responsibilities For Underwriter Resume
- Communicate effectively with processors and loan officers
- Superior written, analytical and interpersonal communication skills
- Building strong relationships with brokers and end clients
- Maintaining and developing good working relationships with clients, producers and service providers
- Merchant service work experience related to merchant underwriting and/or commercial lending
- Experience in preparing underwriting packages
- Anticipates and meets the needs of customers and readily adjusts priorities to respond to pressing and changing client requirements
5
Responsibilities For Underwriter Resume
- A high level of technical underwriting and analytic skill is necessary to develop and manage business which achieves maximum underwriting profit
- Ensure the recording and measurement of insurance risks, including DUA’s where relevant, to ensure accuracy and good practice
- Demonstrated understanding of the underwriting process and risk implications
- Assists in the training and mentoring of less experienced underwriters
- Commercial underwriting experience involving primary general liability and excess business
- Previous experience in the Accident & Health/People Risk sector, in underwriting, claims or broking, in the Australian market
- Up to one year experience in consumer or mortgage lending, underwriting, credit analysis, finance or other related field
- Extensive mortgage underwriting experience in a manual underwriting environment which includes but not limited to
6
Responsibilities For Underwriter Resume
- Work-related experience, on-the-job training, and/or vocational training
- Good working knowledge of accounting and financial principles
- As required, take appropriate and relevant underwriting competency courses and exams in order to demonstrate training and competency to carry out the role
- Experience interpreting and applying Texas Basic Manual
- Experience in managing and developing relationships with clients
- Consumer lending and/or underwriting experience
- 1+ yrs. experience with credit; spread analysis, lending, underwriting concepts, practices and procedures
- Experience analyzing and researching financial statements, credit reports, debt ratios and loan to value information
7
Responsibilities For Underwriter Resume
- Risk experience in commercial lending, leasing or relevant functions
- Demonstrate reasonability during the decision making process, & react quickly to challenges
- 3-5 short term insurance underwriting experience, including at least 2 years in line of business
- Prioritize work and manage competing demands from various groups with which ABL interacts
- Experience in credit and/or factoring business
- Experience analyzing complex financial information and appraisals
- Develop comparative benefit packages, review claim experience, and apply underwriting guidelines to prepare renewal and/or prospect rates
8
Responsibilities For Underwriter Resume
- Develop and maintain strong working relationships with internal and external business partners
- Experience in general insurance including Commercial Property, Liability and Commercial Motor
- Experience preferably underwriting cases 500+ lives and/or Reinsurance background
- Strong group life and disability product and underwriting knowledge
- Experience in the consulting environment a definite asset
9
Responsibilities For Underwriter Resume
- Demonstrate the ability to adapt to change as company requires other tasks other than underwriting to be performed from time to time
- Exercise good judgment in adhering to business and personnel guidelines
- Entry level insurance experience and training
- Experience in handling major client insurance programmes
- Motivate and develop the team by demonstrating good leadership behaviours and management best practice so as to support the achievement of business goals
- Demonstrated understanding of financial systems, process and flows
- Experience with data structures and querying to perform research, identify issues and produce reports
- Develop and maintain strong relationships with internal and external stakeholders including customers, clients, brokers, business partners and colleagues
10
Responsibilities For Underwriter Resume
- Demonstrated ability to execute business plans focused on underwriting a portfolio of property risks
- Review the strength and experience of new and existing obligors
- Strong mathematical & financial aptitude in order to understand pricing strategies and their potential impact on financial results
- Auto Finance underwriting experience required
- Indirect lending experience Knowledge of the auto finance industry
- Home equity underwriting experience
- Proven ability to build successful working broker relationships
- Experience of bordereau monitoring
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