A Senior Underwriter will analyze loan applications and determine if the loan applicant should be sanctioned loan or not. A well-drafted Senior Underwriter Resume gives a bullet list of the following duties and tasks – analyzing the repayment ability of the loan applicant’s, checking credit score of the applicant, assessing the client’s applicants, evaluating collateral, ensuring portfolio credit quality, structuring products and meeting client’s needs; assessing risks, preparing quotes, writing policies, updating records, sharing risks with reinsurers; and adhering to company’s policies and regulations.
Eligible resumes depict the following skills – knowledge of various insurance policies, ability to ascertain risk factor, accuracy, strong attention to details, attention to details, computer competencies, understanding of insurance practices, knowledge of mathematics, and familiarity with finance and economics. Individuals interested in this line should possess a bachelor’s degree in the field of finance, economics, statistics or management.
Summary : Highly efficient, accomplished Mortgage Underwriter with extensive experience in underwriting residential and consumer mortgage loans. Excels in challenging environments; consistently meets deadlines, under pressure. Adept at interpreting government and institutional guidelines for compliance with company standards, State and Federal laws and lending regulations. Proven ability to manage, direct and implement underwriting/operational strategies to ensure the delivery of high quality loan decisions in accordance with credit policy and in support of superior customer service levels.
Skills : Data analysis, Excel, STATA, R, Nonprofit, Case Management, Economics, MS Office Suite, Social Work, Mandarin Chinese.
Description :
Responsible for assessing the credit risk of loans and making an approval or decline decision based on internal underwriting guidelines, investor requirements, and federal regulations to ensure loan quality and production standards.
Analyzed the employment profile, credit strength and property characteristics to ensure compliance with the bank's internal guidelines and borrower's capacity for repayment.
Managed portfolio risk by ensuring loan quality, profitability and growth are well balanced throughout the lending process, resulting in delegated lending authority with five investors, and a highly profitable in-house mortgage portfolio with an average ROE of 18%, compared to company standard of 12%.
Monitored lending pipeline and supervised controls to ensure loans are meeting regulatory requirements and timelines.
Mentored and supported training initiatives for lending team as it relates to income analysis, appraisal review, compliance/regulatory guidelines and credit policy, resulting in improved production quality and efficiency.
Analyzed appraisals for acceptability to FNMA standards.
Ensured loan documents were accurate, complete and sufficient to clear all conditions for final approval within delegated authority; routinely passed internal/external quality control audits with no major deficiencies and no repurchase requests.
Experience
10+ Years
Level
Senior
Education
Business Management
Senior Underwriter Technician Resume
Headline : Detail-oriented professional that possess outstanding communication and interpersonal skills. Very resourceful and adaptable. Resolves problems with tact and diplomacy. Motivated and enthusiastic towards customers and co-workers. My primary strength is the ability to review, analyze, approve and underwrite large, unusual or complex individual consumer requests and products within company and industry guidelines.
Skills : Excel, Word, Business Development, underwriting, Collections, Credit Analysis.
Description :
Evaluate residential loan applications, including credit, income, asset, appraisal and property documents to determine program eligibility and credit worthiness of consumer.
Underwrite the loan according to company, agency and secondary market investor guidelines while providing credit decision on behalf of the organization.
Exhibit observable sense of urgency in the execution of all job functions and duties.
Review, interpret and analyze loan applicants' credit histories, income and asset profiles, tax returns, financial statements, and other complex financial information to make quality decisions on loan requests.
Proficient in Analyzing 1040 Personal, 1120 S-Corp, 1065 Partnership, 1099, K-1, Rental income analysis, Capital gain analysis, Asset/Brokerage accounts, Pay Stub/W-2, Profit & Loss/ Balance Sheet Analysis, Trust and Note Income.
Perform all data entry functions related to underwriting into the loan origination system of record for the Company.
Remain current on Government and Company underwriting guidelines/secondary market investor requirements, pricing policies and FHA, Fannie and Freddie regulations and ensure compliance therewith.
Experience
5-7 Years
Level
Executive
Education
Bachelors Of Arts
Junior/Senior Underwriter Resume
Objective : Experienced Lending Professional in loan processing, underwriting, due diligence and investigations, closing and loan documentation seeking lending position in a fast-paced environment.
Skills : Merchant Cash advance underwriting.
Description :
Review and analyze loan applications and assess credit worthiness of borrowers, principals and guarantors.
Process and Underwrite 1-4 residential family, multifamily, mixed use and commercial properties.
Review and verify financial statements, tax returns, credit reports, bank statements, commercial and residential leases, rent rolls and property operating statements.
Review loan files for disclosures and monitor activity to ensure compliance with regulations.
Prepare underwriting evaluations for purchase, refinancing and renewals and term modifications, include summary & recommendations and any exceptions to policy with risks and mitigants.
Prepare financial models, cash flow analysis and global cash flow.
Prepare underwriting conditions, ensure approval requirements are satisfied and suspend files for missing documentation.
Review third party reports and legal documents such as appraisals, environmental reports, commitment letters, mortgages, notes, general security agreements, guaranties, etc.
Experience
2-5 Years
Level
Junior
Education
Real Estate Finance
Senior Underwriter I Resume
Objective : Talented and accomplished mortgage banking professional with 12+ years of extensive underwriting experience. Direct experience in Secondary Marketing, Investor Auditing (Quality Control), Origination/Production Underwriting & Investor Repurchase Claims (Legacy Countrywide). A strong background in Residential Mortgage-Backed Securitization Repurchase claims with FNMA and FHLMC. Adept at originating and approving loans, performing complex multifamily valuations, identifications, and due diligence investigations as well as market research of multifamily properties and sub-markets.
Skills : Microsoft Office.
Description :
Review, analyze and make final determination on loan submissions using manual underwriting guidelines as well as validating Automate Underwriting recommendations.
Underwrite Jumbo loans, special programs as determined by lending authority set by Underwriting Management Team Leaders, and Account Executives to identify potential solutions/alternatives for difficult/denied loan files.
Communicate with internal and external clients and Green Tree UW Vendors on inquiries on loans underwritten by Green Tree Bank/Vendors.
Research and respond to team lead on loans requiring additional escalation and review and ability to summarize issues, concerns and recommendations.
Provide back-up support to Team Leader as necessary to ensure efficient operations and smooth and timely flow of word.
Review and maintain guidelines to stay up-to-date with all requirements Maintain department resource library to maintain reference material.
Experience
2-5 Years
Level
Junior
Education
Diploma
Senior Underwriter III Resume
Summary : Property/Casualty underwriter with 15 years experience primarily focused on Equine Mortality Insurance. Interested in becoming a reinsurance broker for all types of animal risks as well as underwriting all types of animal risks.
Assisted in the initial development of the livestock mortality insurance program that became one of the most profitable lines of business for the Company.
Managed an $8M line of livestock products that generated an annual profit of approximately 7%.
Managed a personal automobile insurance program that saved the Company approximately 65% in operational expenditures.
Conducted risk analysis to ensure that prospective new business met regulatory standards and profitability goals.
Provided frequent consultation to the agency force on product and risk assessment to improve their sales performance and long term policy yield.
Conducted competitive market research and assisted in developing new coverage options with a project increase in market share of 15% over 12 months.
Researched and developed educational materials for the agency force and their customers to reduce losses.
Successfully negotiated with reinsurers when risk was not within the Company's value limits.
Experience
7-10 Years
Level
Management
Education
B.A. In Political Science
Senior Underwriter II Resume
Objective : To obtain a position that will complement and utilize the skills acquired through my academic courses and professional experience while enhancing the growth of a competitive firm.
Skills : Microsoft Word, Microsoft Excel, Microsoft Powerpoint, Microsoft Publisher.
Description :
Underwrite commercial insurance risks according to authority level and established guidelines to ensure profitability for The Hanover.
Communicate with underwriting management on individual accounts and make recommendations concerning operations when appropriate.
Provide training or technical assistance in department to less experienced underwriters and support staff.
Utilize underwriting tools to determine accurate classifications, rates, and premium charges.
Review state laws, including cancellation and non-renewal, within assigned territory to properly transact business within the state.
Consult with general agents/brokers to obtain further information, quote rates, or explain underwriting guidelines.
Create, analyze, and interpret data from various reports to assist in underwriting decisions.
Service renewal accounts in assigned territory and provide direction to rating and the support team to accurately process endorsement request.
Experience
2-5 Years
Level
Junior
Education
Business Administration
Senior Underwriter/Trainer Resume
Summary : Performance-driven Senior Underwriter with 8+ years experience in the financial industry. Exceeds in the ability to adapt and execute new systems in an ever changing work environment. Organized, forward-thinking group leader with exceptional verbal and written communication skills. Committed team-player that is responsive to customer needs and understands the importance of company strategies. Exceeds in managing individual pipeline and known for being a subject matter expert in mortgage knowledge.
Skills : Math, Communication, Problem-solving, and Decision-making.
Description :
Reviewed borrower applications and documentation to ensure that they were processed and underwritten in accordance with internal policies, meeting all government and investor requirements along with secondary market guidelines.
Upheld fair lending rules and regulations.
Responsible for providing resolutions based on credit risk and ability to repay.
Communicated and interpreted underwriting and policy guidelines to the department to ensure uniform application of lending guidelines.
Initiated second look review to assist in producing a better customer experience by decreasing turnaround time.
Implemented second review on challenging files and ensured to which all guidelines were adhered.
Increased quality control percentages from 95% to 98.5%.
Produced reference guides for department to aid in achieving higher data integrity quality results.
Experience
10+ Years
Level
Senior
Education
Bachelor Of Science
Asst. Senior Underwriter Resume
Objective : Top Producer in the underwriting department consecutively for five years. Experience in analyzing customer's credit requests and recommending decisions within company policies and procedures. Regularly meet tough deadlines, handled high volume and tackled tasks outside my job description. Excellent communication and organizations skills, able to multitask and set priorities to maximize potential.
Skills : Microsoft Office, Attention To Detail, Strong Rapport with Agents and Brokers, Analytical and Critical Thinker, Decision Making.
Description :
Underwriting, reviewing financial statements, identifying risks, and approving deals ranging from $100,000 to $150,000,000 for High Net Worth Wealth clients.
Managing the Chicago market to have the least portfolio exceptions and past due annual reviews in my region.
Experience underwriting loans secured with art, yachts, commercial real estate, residential real estate, marketable securities, and all business assets.
Experience underwriting construction loans and worked with 50 of the top 100 law firms in the United States.
plus quality scores for the last year and met all production goals after the first 5 months with the firm.
Ability to make credit decisions in compliance with Bank lending policy and resolve lending issues.
Adherence to policies and procedures to comply with legal and regulatory requirements.
Experience
2-5 Years
Level
Junior
Education
BA In Economics
Senior Underwriter/Renewal Underwriter Resume
Summary : To obtain a remote position with a strong and reputable company in the role of a Senior Underwriter. Over 12 years of underwriting experience and 21 years of experience in the mortgage industry overall.
Skills : Microsoft Office, Thompson Reuter Clear, Westlaw, Excel.
Description :
Responsible for the managing, marketing, presentation of the renewal and new business stop loss block of business through the Aetna direct sales staff nationwide.
Developed cost exhibits for the Sales Department and Account Management staff.
Includes, disclosure process, finalization of all contracts, aggregate calculation, and the development of COBRA rates.
Managed the underwriting flow of incoming requests for proposal's and the assignment to underwriter assignments.
Monitoring that all goals are met and requests and responded to in required time frame.
Completed questionnaires for marketing in response from broker requests for information.
Training of new underwriter and coordinator new hires.
Assisted in broker and sales staff training and sales meetings with upper management.
Experience
7-10 Years
Level
Management
Education
Diploma
Senior Underwriter Lead Resume
Summary : To obtain a position offering challenge, responsibility and career advancement opportunities. A position where my skills, experience and interpersonal strengths can be utilized and enhanced.
Responsible for underwriting new business and renewal policies for auto, homeowner and personal catastrophe lines of business.
Review and analyze underwriting data in order to determine if risks meet corporate underwriting standards.
Interact with both agents and clients when additional information may be needed to properly review the risk.
Provide customer service to agents when questions may need to be answered in reference to the underwriting rules & regulations.
Review & approve decisions of other underwriters before final process may be taken.
Present new material & reported quarterly numbers for different lines of work to the entire underwriting department.
Participate with multiple projects that may be done to enhance an ongoing operation.
Experience
7-10 Years
Level
Management
Education
Accounting
Senior Underwriter/Financial Analyst Resume
Headline : Extensive mortgage experience including Front line and Forensic Underwriting, MI, Compliance, Fraud, Collateral and Due Diligence. Work well under pressure and in meeting deadlines. Effectively interface with all levels of management and peers.
Skills : Personal Lines Underwriting.
Description :
Responsible for reviewing loans for prefunding audit to ensure effective implementation of the Company's underwriting guidelines and procedures.
Reviewed, re-underwrote, and documented any material defects to underwriting guidelines or internal policies and procedures.
Applied the underwriting guidelines of the following investors: FNMA, FHLMC, FHA, VA, and private investors.
Managed a daily work queue of assigned pre- and post-close audits while upholding service level agreements.
Completed thorough and forensic review of loan files to identify any underwriting deficiencies to investor guidelines.
Reviewed loans for quality assurance, compliance, policy adherence and risk.
Analyzed and reported deficiencies, defects, and performance gaps.
Experience
5-7 Years
Level
Consultant
Education
Diploma
Senior Underwriter Resume
Summary : Accomplished underwriting and program management professional with over 20 years of comprehensive experience in the professional liability insurance field.
Skills : Licensed New York State Property and Casualty Broker - 2000, Microsoft Windows and Office - Excel and Word.
Description :
Handled complex and hard to place risks and supported underwriting teams with file review, training and audits.
Implemented new internal audit procedures and timeline for all programs achieving a 90% or better score on carrier audits.
Successfully rolled two existing books of business to two different carriers maintaining over 90% renewal retention rate.
Negotiated coverage and rate issues with carrier underwriters.
Assisted senior management on coverage and rate comparisons and negotiations for three different programs and carriers.
Improved underwriting results on a nationally sponsored program resulting in increased underwriting authority and few carrier referrals.
Trained and mentored new employees for assigned programs.
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