Underwriting Officer Resume Sample
Joelle Schuppe
248 Watson Light,
Dallas,
TX
+1 (555) 936 2296
Work Experience
Chief Underwriting Officer
09/2015
-
PRESENT
New York, NY
- Organized and detail oriented. Able to develop working knowledge of Bank’s credit underwriting policies and approval process for assigned loans. Ability to analyze complex credit transactions. Ability to work effectively in a fast paced, high production environment. Strong financial analysis and accounting skills
- Ensuring TC Life’s underwriting policies and procedures remain current with evolving regulations issued by state and federal mandates
- Maintains knowledge of Raymond James Bank loan programs, as well as secondary market investors’ underwriting/documentation requirements
- Provides information and assistance to loan applicants, and interacts with CPA’s, financial advisors and other parties to the transaction when necessary
- Maintains knowledge of Raymond James Bank loan programs as well as secondary market investors’ underwriting and documentation requirements
- Basic knowledge of Microsoft Office; strong knowledge of Moody’s Risk Analyst Software
- Proactive in marketing Company’s appetite and presence; develop new business opportunities, take part in marketing initiatives; follow up financial results and performance metrics and escalate issues as required
Commercial Underwriting Officer
01/2012
-
07/2015
San Francisco, CA
- Management of the Company’s underwriting department inclusive of the various teams
- Ascertain top quality and best practice underwriting according to Company’s standards and guidelines. In particular, ensure that
- Translation of Zurich’s Global and Regional Commercial strategy into local objectives
- F.5 - F.7 matriculated or above
- Working experience in agency model business & other channels as well
- Has underwriting experience (medical underwriting is a good supplement)
- Hands on PC skills in using MS Word, Excel, Access, Chinese typing
- Harding working and detailed minded with high accuracy output
- Be a team player and be able to work under pressure
Mortgage Underwriting Officer
09/2006
-
08/2011
Houston, TX
- Follow the Bank’s Information Security policies, ensuring that the processing and handling of all customer information and confidential bank information is done in a secure fashion
- Evaluates counterparty credit equivalent exposure in non-standard trade positions using modeling techniques
- Analyzes counterparty portfolio and cross-border risk data, events and trends
- Prepares written and verbal presentations to management of findings and observations
- Maintains counterparty database for consolidated counterparty exposure reporting
- Manager/Administrator for KGR Middle Office Counterparty limits control and management reporting
- Project Management responsibility for planning, coordination and execution of conversions between bank systems and implementing new bank methodologies (e.g. REC exposure valuation), including policies and procedures
Education
Oklahoma State University - Tulsa
2001 - 2006
Bachelor's Degree in Finance
Professional Skills
- Proven producer managements skills and relationship management skills
- Ensuring underwriting authority levels remain commensurate with skills, experience and performance
- Proven Strategic Leadership skills in developing vision and purpose and leading effective teams
- Strong decision making ability and leadership skills
- Excellent verbal and written communication skills in addition to real capacities to listen to clients
- Possess strong analytical, quantitative and interpersonal skills, and are enthusiastic about and committed to their career
- Demonstrated experience establishing underwriting guidelines, referrals, internal memos and establishing best practices across the business
How to write Underwriting Officer Resume
Underwriting Officer role is responsible for underwriting, analysis, credit, leadership, software, accounting, insurance, finance, training, database.
To write great resume for underwriting officer job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Underwriting Officer Resume
The section contact information is important in your underwriting officer 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 Underwriting Officer Resume
The section work experience is an essential part of your underwriting officer 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 underwriting officer responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular underwriting officer position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Underwriting Officer resume experience can include:
- Demonstrated business savvy, analytical and quantitative skills
- Strong business acumen and change management leadership skills
- Commercial underwriting, credit and/or lending experience
- Experience in improving productivity, quality, and reducing expenses
- Have 3-5 years of experience underwriting SBL or loans collateralized by marketable securities in an established bank or lending institution
- Review the strength and experience of municipalities and public funding clients, review transaction terms and structure large transactions
Education on an Underwriting Officer Resume
Make sure to make education a priority on your underwriting officer resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your underwriting officer 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 Underwriting Officer Resume
When listing skills on your underwriting officer 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 underwriting officer skills:
- Demonstrated ability to work effectively with all levels & disciplines of internal and external organization
- Have proven experience satisfying board requirements by completing and providing all necessary documentation to satisfy board approval
- Quick judgment and decision-making skills required
- Stay abreast of changing OCC, CFPB, FFIEC, FDIC and state banking regulatory requirements and changes. Have direct working experience of TRID rules
- While maintaining a strong understanding of Comerica processes, ensures that self and LOB's are adhering to proper procedures
- Ensure the underwriting processes, including referrals, are efficient and optimized based on the skill sets through the referral chain
List of Typical Experience For an Underwriting Officer Resume
1
Experience For Chief Underwriting Officer Resume
- Analyze key financial results, ratios and transaction structure elements, including the adequacy of the debt service coverage, loan to value, essential use nature of equipment and essential services provided by obligor
- Provides training/guidance to employees with less experience
- Established strong relationships with customers and intermediaries
- Skilled leader of change; versatile, client focused, results oriented
- Good command of both English and Cantonese
2
Experience For Private Wealth Senior Underwriting Officer Resume
- Review compliance with credit policy; prepare comprehensive write ups covering all aspects of risk elements, obligor, credit profile, etc
- Update underwriting manuals or any other projects assigned by supervisor
- Interacts with mortgage insurance company liaison with regard to approval of high loan-to-value loans
- Develop countrywide underwriting and market facing strategies for construction segments ranging from artisan contractors, general contractors, large infrastructure projects and wrap-ups
- Promotes an environment of continuous improvement, collaboration and partnership applies Liberty Management Systems (LMS) principles to improve customer relationships, quality and work processes
- Significant knowledge and experience in commercial property & casualty products (auto liability, general liability, workers compensation etc.); insurance operations; finance and actuarial concepts; regulatory environment; reinsurance; account management; underwriting; producer management; and product development
- Skills required include analyzing and problem solving; decision making, building relationships; courage; innovation; communicating effectively, engaging and motivating people; negotiation; influencing others; focusing on service
- Managing and improving processes; executing well; planning and organizing work
3
Experience For Senior Underwriting Officer Resume
- Perform risk assessment on new insurance applications, changes of existing business and reinstatement cases
- Assist to monitor the underwriting quality and quantity performance standards, ensure the team is performing to meet the defined services standards by giving clear goals, priorities and mandates
- Assist to review, update and streamline the underwriting guidelines and procedures from time to time so as to ensure they are competitive and maintain quality output
- Provide underwriting service and support to multiple distribution channels including agency, brokerage and direct marketing. Provide professional and accurate response to enquiries
- Participate in product launch including draft user requirements, conduct user acceptance test and implementation
4
Experience For Commercial Underwriting Officer Resume
- Drive Lexington vision and value proposition that recognize changing business and competitive environment dynamics, key business drivers, and financial elements and demonstrate the value we bring to the different segments of our producer delivery network
- Develop framework for underwriting authority and assign specific authority to business leaders and underwriters
- Collaborate with underwriters, claims and actuarial to share insights and best practices across the Lexington organization
- Demonstrate understanding of regulatory and compliance processes and ensure AIG stakeholders understand the Lexington business model, underwriting methodology, and the risks we assume
- Provide input into the creation of an effective reinsurance strategy that supports our risk appetite for per risk and aggregation across all product lines, as well as active management of the portfolio
5
Experience For Underwriting Officer / Manager Resume
- Establish strong relationships with zonal and product leadership; create mutual understanding of overall parameters and goals to drive effective execution of business model
- Drive a culture that promotes collaboration, diversity and inclusion
- Knowledge of market segmentation, portfolio management, acquisition and distribution
- Assist to manage contract staff
- Prepare and deliver policy contracts
6
Experience For Senior Mortgage Underwriting Officer Resume
- Prepare daily reports to sales channels
- Perform annual reviews; request and review financial statements, monitor compliance, identify trends and anomalies; notify Managing Underwriter of credit quality issues within portfolio
- Excellent verbal and written communication skills; ability to provide detailed analysis in written form and present in a clear and concise manner
- Ten (10) or more years of insurance/reinsurance underwriting experience
- Consumer credit experience with an emphasis in residential real estate finance
- Supervisory experience in a corporate environment
- Provide Underwriting expertise and service to all business lines according to UW’s SLA
- Data reporting (clean up, filtering, etc)
- Underwrite commercial lease and loan transactions for national clients
7
Experience For Underwriting Officer & Team Leader Resume
- Make recommendations toward final disposition of transactions outside of credit authority
- Recommends appropriate controls and covenant structure for new credit requests and recommends risk
- Underwrite equipment lease and loan transactions for national clients
- Analyze key financial results, ratios and transaction structure elements, including collateral, the adequacy of the debt service coverage and loan to value; prepare in-depth analysis for complex transactions
- Communicate with internal and external sources for additional information needed for transactions
- Underwrites loan applications up to the loan amount authority established by the board of directors
- UW report for Tele UW productivity
8
Experience For Mortgage Underwriting Officer Resume
- P&L responsibility from past roles
- Ability for moderate travel as needed
- In-depth knowledge of Contract Surety lines of business
- Job requires an organized, fast pace, with flexibility to respond to unexpected issues and assignments
- Limited direct supervision received; position requires a self-motivated person able to work independently
9
Experience For Senior Underwriting Officer, VP Resume
- Analyzes complex, high-value situations or problems to which there are several alternative approaches
- Analyze secured assets, irrevocable trust accounts, personal business financial statements, and highly complex personal entities
- Have proven experience analyzing complex tax returns, capital gains; performing asset dissipation calculations, and conditioning files containing multiple entities and types of assets
- Demonstrated commitment to exceptional service & ability to use internal experts to achieve goals
- Develop and maintain access to influential contacts within client companies and manage external client relationships
10
Experience For Private Wealth Underwriting Officer Resume
- Identify problems, recommend viable solutions and assist in implementation of same
- Have French language capabilities
- UW Team Management
- Collaboratively develop the business strategy to successfully propel Lexington product and client segments into a significant and profitable long-term, sustainable leadership position in the marketplace in support of the company’s ROE objectives over the long-term. This includes detailed monitoring standards / quality reviews to assess loss ratios and underwriting results
- Drive consistent underwriting best practices and guidelines across Canada and various segments. Provide knowledge transfer of product ideas, underwriting/pricing practices across markets to educate staff on available products to be considered for profitable sales and distribution in local branches. Build systemic ways to facilitate exchange of knowledge
List of Typical Skills For an Underwriting Officer Resume
1
Skills For Chief Underwriting Officer Resume
- Prioritize multiple competing demands and manage deadlines in a fast-paced environment, while maintaining sound judgment
- Perform extensive analysis and use experience and judgement to make lending approval decisions within the established limits
- Three (3) of management experience within a life underwriting department
- Demonstrated successful track record working with sales and actuarial professionals, and other company underwriters
- Have experience underwriting multiple loan structures (individual, trust, business (LLC, Corporations, LP’s, etc.)
2
Skills For Private Wealth Senior Underwriting Officer Resume
- Possess applicable personal accident and health underwriting experience and have specific knowledge of the Canadian insurance market
- Insurance leadership experience, including oversight over multiple products within a global, highly complex insurance company
- Strong problem solving and conflict resolution
- Effective communication with AIG’s Senior Leadership team
- Insurance experience, with heavy emphasis in Property required
3
Skills For Senior Underwriting Officer Resume
- National and International Surety account experience
- Experience with Microsoft Office applications (Word, Excel, PowerPoint, Outlook)
- Success in people leadership, management and development and ability to demonstrate your ability to manage people
- Developing underwriting technical expertise and general business acumen of the underwriting staff including product development and innovation
- Developing and maintaining broker and client relationships while taking a leadership role in the marketplace
- Responding to client inquiries, participating in client calls and attending C Suite Client meetings as necessary
4
Skills For Commercial Underwriting Officer Resume
- Coordinating with underwriting, actuarial and legal services to address coverage requests and create manuscript endorsements
- Coordinating with global product leadership and underwriting management on behalf of AIG’s Canadian Financial Lines division
- Assisting in the development and execution of underwriting strategy across the Financial Lines portfolio
- Coordinating with colleagues to ‘Canadianize’ offerings, underwriting guidelines, policies/procedures, etc
- Coordinating with product line managers to review and assess key performance indicators, underwriting authority, etc
- Conducting account underwriting quality reviews
- Developing process and operational improvements within underwriting and service delivery teams
- Providing a high level of service in the spirit of Raymond James’ Service 1st commitment
5
Skills For Underwriting Officer / Manager Resume
- Staying current with macroeconomic issues, industry activity, trends and the legal and regulatory landscape in Canada
- Underwriting acumen and discipline
- Working with International and National Accounts
- Oversight of the internal audit process ensuring underwriting guidelines and divisional policies and procedures are adhered to
- Ensure consistent profitability across Domestic and Out of Territory portfolios, particularly ensuring that underwriting excellence is maintained as we grow
6
Skills For Senior Mortgage Underwriting Officer Resume
- Proactive communication to underwriting management regarding any pertinent issues
- Adherence to underwriting rules and guidelines, insurance laws, regulations and the Zurich Way of underwriting
- Support team to perform documents scanning and indexing if necessary
- Formulates thoughtful and probing client/prospect questions to assist with underwriting process
- Evaluate and communicate key underwriting / marketplace issues within Zurich
- Familiar with reporting tools
- Fellow, Life Management Institute (FLMI) and Fellow of the Academy of Life Underwriting (FALU) designations or equivalent
7
Skills For Underwriting Officer & Team Leader Resume
- In-depth knowledge of life and living benefit insurance industry products and services
- Detailed understanding of Markets and Customers
- Lead and manage ongoing business improvement processes
- Have performed comprehensive analysis and issuance of Letters of Credit while ensuring compliance with all Federal and Investor guidelines
- Production and underwriting of new and renewal Surety business
- Internal marketing and production within Zurich North America in support of our cross sell efforts
- Execution of the Specialties external marketing strategy
8
Skills For Mortgage Underwriting Officer Resume
- Establish new as well as develop existing agency and broker relationships
- Underwrite multi-million dollar municipal and other public funding tax exempt lease and loan transactions for national clients
- Prepare financial statement spreads and review the adequacy of supporting financial information; obtain additional or more current financial data as necessary
- Develop tools and strategies, in collaboration with HR, to attract and retain top industry talent and develop high performing teams
- Expert technical underwriting background with advanced knowledge of first party insurance for all industries and casualty exposures, and reinsurance
9
Skills For Senior Underwriting Officer, VP Resume
- PC knowledge in MS Excel, MS Word, Chinese typing
- Proactive, responsive and willing to learn
- Communicate responsibly, professionally and frequently with our Financial Advisors, Mortgage Consultants, and Bankers
- Lead the administration and monitoring of underwriting rules and guidelines, rating manual rules and insurance laws and regulations for the CIS book of business to deliver business unit growth and excellent customer service
- Plenty of opportunities to develop yourself, craftsmanship and development are our top priority
- A work environment that is characterized by an professional atmosphere and collegiality
- The opportunity to work with professional and expert colleagues who have a tremendous drive to do good, in the interest of the client and with an eye for society together
10
Skills For Private Wealth Underwriting Officer Resume
- Liaise with operations, systems, legal, claims, FP&A and other functions to ensure awareness of underwriting activities that require support and service
- Modern compensations & benefits with room for your own choices
- Set underwriting policy, including framework for underwriting authority, and provide technical leadership to Canada Personal Accident and Health underwriting staff with the objective to optimize risk adjusted profit
- Review portfolio analysis and provide leadership in the decision making on required actions and be responsible for the execution of agreed underwriting corrective action plans
- Provide leadership in the product development unit to ensure product integrity and support the development of new products and/or product enhancements as necessary. Ensure that proper review and approval processes are in place for new policy wordings or major policy wording changes
- Ensure that compliance and audit related queries from Branch, Country and Home Office management are being responded to in appropriate manner and that legal and compliance staff is engaged when issues arise
- Extensive knowledge of competitors’ products pricing and rate classification structure, and an understanding of how TC Life products compare to competitors products and services
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