Mortgage Analyst Resume Samples

Description :

1. Accountable for timely creation of borrower loans for loan officers and files for processors.
2. Responsible for analyzing credit reports, including debt-to-income ratios, collections, defaults, and creditworthiness.
3. Specialized in entering manual loan applications and ensuring data accuracy.
4. Submitted files from Loan Officers and prepared them for the Processors and Underwriters.
5. Assembled welcome packages for borrowers upon loan approval.
6. Trained and supervised subordinates in all Mortgage Analyst duties and vendor management.
7. Maintained efficient processing duties while supporting team members in their tasks.

Experience

0-2 Years

Level

Junior

Education

B.S. Finance

Description :

1. Provided tailored mortgage loan recommendations based on comprehensive financial analysis.
2. Developed a streamlined system for manual file input, improving efficiency.
3. Guided customers through loan payoff processes, enhancing satisfaction.
4. Reviewed loan histories and documentation to ensure accuracy for Home Retention decisions.
5. Conducted thorough file reviews in accordance with regulatory requirements.
6. Analyzed short payoff scenarios to determine optimal solutions for customers.
7. Collaborated with cross-functional teams to enhance operational workflows.

Experience

7-10 Years

Level

Management

Education

B.S. Finance

Description :

1. Recommended optimal loan solutions to management and clients, enhancing customer satisfaction.
2. Guided clients through refinancing processes, achieving successful outcomes for over 100 borrowers.
3. Monitored timely loan payments, maintaining a 95% on-time payment rate among clients.
4. Acted as liaison with regulatory agencies, resolving asset disputes totaling $14 million.
5. Conducted thorough analyses of merger and acquisition transactions to assess risk factors.
6. Led initiatives across 10 business units to enhance risk management strategies, safeguarding $408 billion in servicing assets.
7. Facilitated strategic meetings with stakeholders to address compliance issues effectively.

Experience

2-5 Years

Level

Junior

Education

B.S. Finance

Description :

1. Communicated with lenders, attorneys, and public officials to gather essential documentation and resolve financing issues efficiently.
2. Collaborated with cross-functional teams to identify and mitigate risks, resulting in a reduction of potential losses exceeding $52.3 billion.
3. Led a team of 8, providing coaching and guidance while addressing audit findings effectively.
4. Created a tracking system for non-compliant entities, enhancing the monthly reporting process by 50%.
5. Executed over 800 actions against non-compliant counterparties, ensuring adherence to regulatory standards.
6. Designed and implemented training programs focused on risk, compliance, and eligibility criteria.
7. Analyzed documentation from third-party investors to optimize workflow and meet service level agreements (SLAs).

Experience

2-5 Years

Level

Junior

Education

B.S. Finance

Description :

1. Collaborated with the Data Analyst Team to ensure accurate record uploads for Risk Underwriters.
2. Conducted reconciliations of third-party investor data against internal reports to identify discrepancies.
3. Coordinated information sharing among stakeholders to enhance workflow efficiency.
4. Proposed and implemented measures to enhance process quality and operational efficiency.
5. Developed departmental reporting using advanced Excel functions and data visualization tools.
6. Supported various projects and daily operations to maintain compliance and efficiency.
7. Created and maintained comprehensive process documentation and artifacts.

Experience

2-5 Years

Level

Junior

Education

B.S. Finance

Description :

1. Utilized analytical skills to evaluate mortgage applications, ensuring compliance with legal and regulatory standards.
2. Collaborated with loan processors, underwriters, and clients to facilitate efficient loan origination.
3. Developed tailored mortgage solutions based on comprehensive borrower assessments.
4. Strengthened customer relationships through effective communication and problem-solving.
5. Trained junior staff on compliance procedures and best practices in mortgage analysis.
6. Implemented process improvements that enhanced operational workflows and customer satisfaction.
7. Recognized for exceptional performance and promoted within the first year of employment.

Experience

5-7 Years

Level

Executive

Education

B.S. Finance

Description :

1. Evaluated loan applications and borrower qualifications, ensuring compliance with state and federal regulations.
2. Processed a full pipeline of 30 conventional loans, enhancing operational efficiency.
3. Maintained up-to-date knowledge of investor guidelines, improving loan processing accuracy.
4. Communicated effectively with borrowers and third parties to resolve issues and streamline the approval process.
5. Developed and implemented strategies to expand the client base through referrals and outreach.
6. Consistently exceeded monthly performance goals across all key metrics.
7. Prepared and presented loan files for initial credit and final approval, ensuring thorough documentation.

Experience

7-10 Years

Level

Management

Education

B.S. Finance

Description :

1. Received a credit due high achiever award for exceptional performance.
2. Assisted in the training of incoming Junior Underwriters, enhancing team capabilities.
3. Successfully maintained high customer satisfaction while managing multiple tasks efficiently.
4. Demonstrated high proficiency in document request, collection, and management processes.
5. Implemented due diligence in collecting financial information and establishing permanent loan files.
6. Reviewed processing documentation and coordinated with the underwriting team for acceptability.
7. Monitored receipt of information to meet established target dates for loan underwriting.

Experience

10+ Years

Level

Senior

Education

B.S. Finance

Description :

1. Evaluated the quality of commercial loans and assigned appropriate risk ratings.
2. Ensured compliance with agency guidelines and government regulations during document execution.
3. Analyzed financial institution systems to determine compliance with industry standards.
4. Reviewed foreclosed loans for adherence to Home Affordable Modification Program requirements.
5. Conducted quality assurance reviews of bankruptcy and foreclosure processes.
6. Serviced FHA, VA, and Conventional mortgage loans from boarding to payoff.
7. Processed payoffs, verifications of mortgage, and payments efficiently.

Experience

2-5 Years

Level

Junior

Education

BS Finance

Description :

1. Ensured timely disbursement of escrow surplus refunds and resolved account discrepancies.
2. Reviewed annual escrow analysis statements and maintained error escalation reports.
3. Assisted clients with payment adjustments and identified refinancing opportunities.
4. Collaborated with settlement agents to streamline document requests and corrections.
5. Improved customer service operations, achieving an 85% reduction in backlog of escrow refunds.
6. Developed mortgage portfolios targeting residential consumers, enhancing market reach.
7. Analyzed financial data to support informed lending decisions and compliance with policies.

Experience

5-7 Years

Level

Executive

Education

B.S. Finance