Best Loan Underwriter Resume Examples for 2023

Andrew Giles

Loan Underwriter

743 Xyz Abc Road.

Chicago, IL – xxxxx

Email: email@example.com | Home: xxx-xxx-xxxx | Mobile: xxx-xxx-xxxx

Professional Summary

I am an accomplished and detail-oriented finance professional with nearly 8 years of well-rounded finance experience and roughly 6 years of experience in consumer loan underwriting. I have skills in customer service, written and verbal communication, and technical skills with MS Office products.

Work Experience

1) Loan Underwriter

[Company Name]- Dallas, TX

June 2018 to Present

• Perform data evaluation on information retrieved from loan applications.
• Evaluate the financial strength of individuals & businesses by analyzing financial statements and other credit documents.
• Ensure that the specifications of the properties and loan terms meet the financial institutions’ requirements and government regulations.
• Conduct risk assessments on potential clients based on previous borrowing history, credit rating, industry experience, and other factors.
• Request additional information from CCO and clients when appropriate.
• Render application decisions are based on consultation with CCO and upper Management.
• Prepare reports detailing risk assessment findings & other data to present an analysis of client creditworthiness to the Bank’s Credit Committee.
• Demonstrated excellent follow-through with borrowers, loan processors, loan originations, and Management throughout all phases of the underwriting process.

2) Jr. Loan Officer

[Company Name]- San Jose, CA

May 2014 to May 2018

• Gathered and completed conditions for a loan, entered and updated client database using LOS.
• Reviewed all closing statements and GFE before signings and fixed discrepancies.
• Dealt with any title/escrow, appraisal, and lender issues.
• Met and maintained all licensing requirements, including continuing education.
• Assume quality personalized service and maintain frequent contact to expand relationships and establish client retention.

Educational Qualification

Bachelor in Business Administration

XYZ University – San Bernardino, CA

June 2010 to April 2012

Skills and Strengths

• Credit Analysis.
• Time Management.
• Customer Service with Support.
• Quality Control Audit.
• Team Leader.
• Problem Solution.
• HMDA Analysis.
• Cash Handling.
• Organizational Skills.

— References Available upon Request —

Loan Underwriter

Location – New York, NY

Experience – 10 Years

Loan Underwriter Summary:

10 Years Experienced as Loan Underwriter with a demonstrated history of working in the Internet and banking industry. Detail-oriented with the ability to maintain the highest quality assurance and accuracy standards. Well-versed in risk management with hands-on experience in data analysis, data entry, and file processing and Management.

Work Role:

• Review title searches to ensure that no title issues threaten the standing of our investor’s lien on the property.
• Approves or rejects FHA and VA assumptions from set criteria by the agency.
• Analyzes borrower’s credit profile, collateral, and capacity to repay the proposed mortgage obligation.
• Keeps informed of current and acceptable underwriting practices.
• Accurately calculates borrower’s income and debt-to-income ratios based on acceptable New Rez and agency practices.
• Run, read, and interpret automated underwriting decision results from Desktop Underwriter and Loan Prospector.
• Accurately underwrites the borrower’s income through the review of paystubs, tax documents, benefit statements, business profit, and loss statements, etc.
• Review conditions submitted on loans and sign off on conditions where appropriate.

Skills:

• Strong Banking Ethics.
• Goal Oriented.
• Great Attention to Detail.
• Critical Thinker.
• High Level of Financial Knowledge.

Loan Underwriter

Location – Fort Bragg, NC

Experience – 10 Years

Work Responsibilities:

• Oversee and supervise Loan Processors throughout the loan documentation processing regarding loan documents, title work, and procedural review.
• Decision and process loan modification requests.
• Decision and process loan payment skip requests.
• Evaluate and calculate numerous types of income and entitlements regarding determining debt-to-income eligibility.
• Assist with gathering and maintaining title work report logs.
• Communicate title work requests with MSSs, branch managers, and senior Management.
• Provide suggestions for cross-sells to MSSs.
• Provide alternate options to help assist a member’s financial needs.
• Process payoff information and applies payoffs on the system.
• Process enrolment in GAP and Warranty products.
• Communicate with dealerships regarding loan deaccessioning and funding guidelines.
• Provide all lending support to all credit union personnel and assist with CUDL administration duties.

Loan Underwriter

Location – Warwick, RI

Experience – 7 Years

Loan Underwriter Work Responsibilities:

• Ensure material information captured in the automated underwriting system is accurate during the review.
• Demonstrate sound judgment in analyzing required documentation while mitigating organization risk through appropriate decision-making.
• Meet or exceed productivity levels established by Management and credit quality standards set forth by RBS.
• Create and distribute the financial reporting necessary to measure the financial results and guide future business decisions.
• Ensure loans adhere to the program, compliance, due diligence, and industry requirements.
• Efficiently and effectively meeting monthly quotas and expediting renewals for clients.
• Critically underwrite private student loans, education refinances loans (student loan consolidation loans), and unsecured loans, including automated and manual portfolios.
• Respond timely to quality control and audit reviews when requested. Provide superior customer service to both internal and external customers.

Loan Underwriter

Location – Joplin, MO

Experience – 6 Years

Loan Underwriter Job Duties:

• Processing loan applications for clients to determine qualifications for different lending products.
• Analyze risks for the company and originate loans to best suit client needs.
• Provide excellent customer service in person and over the phone while maintaining a professional attitude and providing support and resources for new or existing customers.
• Utilize sales and marketing tactics to ensure store growth.

Loan Underwriter

Location – Oak Forest, IL

Experience – 10 Years

Loan Underwriter Work Experience:

• Performing a detailed credit analysis of a borrower by looking at a borrower’s employment record, income sources, and credit report.
• Communicates in a style or manner that develops and maintains a strong business relationship with all contacts.
• Collaborates with senior underwriters, lease processors, funders, applicants, dealers, and sales reps while reviewing applications to obtain all needed information and documentation.

Loan Underwriter

Location – Doral, FL

Experience – 3 Years

Work Duties:

• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Approve loans within specified limits, and refer loan applications outside those limits to Management for approval.
• Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other information.
• Negotiate payment arrangements with customers who have delinquent loans.
• Generate financial ratios using computer programs to evaluate customers’ financial status.
• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.

Loan Underwriter

Location – Los Angeles, CA

Experience – 3 Years

Work Experience:

• Manage a portfolio of 70 – 90 mortgage Conventional Wholesale loans monthly.
• Performed pre-qualification on initial originated conforming Wholesale loans for underwriting approval.
• Review credit reports daily and resolve any credit issues for the loan program.
• Perform Quality Control for pre-funding; completed Excel monthly reports.
• Review initial disclosures for Compliance with Fair Lending regulations.

Loan Underwriter

Location – Sunnyvale, CA

Experience – 6 Years

Work Experience:

• Evaluated, reviewed, and deaccessioned loans based on client eligibility and underwriting guidelines.
• Analyzed credit, income, tax returns, assets, and appraisals.
• Determined borrower’s creditworthiness and ability to repay the loan.
• Used Calyx Point LOS for client database and loan documentation.
• Comply with all disclosure requirements and time frames.
• Keeping loan officers, account executives, clients, and relevant parties well informed of all the proceedings.

Loan Underwriter

Location – New York, NY

Experience– 12 Years

Job Role:

• Preparing, reviewing, and analyzing the creditworthiness of all loan originations and renewals by spreading company and personal financial statements into various spreadsheets.
• Prepare written Credit narratives for a recommendation of approval or denial.
• Evaluating financial statements, historical trends, projections, management performance, industry, cash flow, capital structure, and collateral analysis.
• Ordering, reviewing, and analyzing reports (credit, environmental, appraisal, and property).
• Performing departmental functions, including loan covenant monitoring, risk rating, stress testing, and audit preparation.

Loan Underwriter

Location – Billings, MT

Experience – 8 Years

Job Duties:

• Reviewed credit reports for depth of credit file and credit history.
• Performed risk assessment on auto, credit card, personal, and indirect auto loans.
• Analyzed collateral and loan to value for each loan.
• Evaluated debt-to-income ratios and ability to repay loans.
• Analyzed and interpreted complex personal and business tax.
• Competed in CMA and appraisal reviews.

Loan Underwriter

Location – Mount Laurel, NJ

Experience – 10 Years

Work Responsibilities:

• Meticulously analyze and evaluate loan applicants’ financial strength to determine repayment capacity.
• Thoroughly scrutinize loan applications and required documentation to ensure maximum loan profitability while minimizing the bank’s exposure to risk and possible fraud.
• Consistently deliver a high volume of approved loans with minimal defect rates.
• Maintain a complete understanding of the bank’s loan products, guidelines, internal policies, procedures, and regulatory compliance requirements.

Loan Underwriter

Location – Chicago, IL

Experience – 13 Years

Work Duties:

• Motivated and inspired fellow team members to think of faster and more accurate ways to help reach team service and financial goals.
• Maintain ongoing relationships with our customers, dealers, and auto dealerships throughout every state except New York (out of the company’s lending area).
• Work closely with dealers to obtain information, send approvals or declines, and work up ‘deals’ for their customers.
• Analyze incoming applicants for any potential fraud or discrepancies
• Work with bankruptcy and no-credit applicants on applications to jump-start credit files or re-establish credit to benefit their lives.
• Perform quality work within strict time-restraint deadlines.
• Work effectively as a team contributor on all team projects and department-wide goals.

Loan Underwriter Skills:

• Knowledge of lending and underwriting guidelines.
• Microsoft Office.
• Credit Analysis.
• Excellent Communication Skills (written and verbal).

Loan Underwriter

Location – Southfield, MI

Experience – 10 Years

Work Experience:

• Following Credit Union policy, process and underwrite consumer loans, including personal, auto, Home Equity, home improvement, and credit cards.
• Analyze loan application financial status and credit to determine the feasibility of granting loans and provide financial counselling to members.
• Build relationships emphasizing member education, evaluate and recommend areas relative to loan protection products.
• Recommend operational procedures to increase the effectiveness of department operations.
• Ensure loan documents are accurate, complete, and compliant with credit union policy.

Loan Underwriter

Location – Fresno, CA

Experience – 8 Years

Work Duties:

• Analyze information received from credit applications and credit reporting agencies to make prudent credit decisions.
• Notate the risk and justification for each approval clearly and professionally.
• Negotiate terms and conditions for credit decisions with dealers.
• Concur on loan decisions recommended by other Credit Analysts.
• Provide a high level of customer service to internal and external customers.

Loan Underwriter

Location – Los Angeles, CA

Experience – 15 Years

Loan Underwriter Summary:

A Loan Underwriter Professional with 15 years of experience and proficiency in reviewing conventional loans, Jumbo Loans, VA loans, and FHA underwriting is seeking to join a company with opportunities for professional growth.

Work Duties:

• Experience in structuring and underwriting for car loan applications.
• Maintain communication with customers throughout the underwriting process to ensure timely loan funding.
• Analyze loan applications to ensure proper funding.
• Assisted students and parents with their student and parent loans.
• Maintained a good relationship with colleges and students.
• Processing student and parent loans for the new school year.
• Responsible for assisting with student and parent loan consolidations.
• Assessed students’ and parents’ backgrounds and qualifications to determine the best loan to meet their needs.

Skills:

• Self-disciplined and highly motivated.
• Interpersonal and written communication.
• Data analysis and Decision-making skills.
• Process implementation.
• Strong organizational skills and Detailed Oriented.
• Risk management processes and analysis.
• Innovation and flexibility.