Underwriting Analyst is involved in analyzing and processing the paper works or electronic applications for the insurance firms. They are basically responsible for preliminary risk assessment procedures. Some of the work activities that are commonly depicted in the Underwriting Analyst Resume are reviewing the insurance applications, assessing the background and financial status of the client, liaising with specialists for gathering opinions or information, determining underwriting alternatives, drawing quotes, negotiating and defining specific insurance policy terms, balancing mass and risk homogeneities for predicting future results, developing a profitable book of business and adhering to applicable insurance laws.
Ambitious Underwriting Analysts with hands-on experience in statistical packages like SPSS, databases, Spreadsheets, “Smart Systems” and analytical tools coupled with proven numerical and statistical skills can secure a job as Underwriting analysts; Employers prefer candidates’ who hold a degree in Finance, Administration or similar field for filling this job position.
Objective : Dedicated Underwriting Analyst with 5 years of expertise in analyzing commercial and residential loan applications. Proficient in financial assessment and risk evaluation, delivering insights that drive informed decision-making. Committed to enhancing operational efficiency and ensuring compliance with underwriting standards.
Skills : Financial Modeling, Data Analysis, Documentation Management, Communication Skills
Description :
Collaborated with senior underwriters on Freddie Mac and Fannie Mae transactions, enhancing team efficiency.
Developed comprehensive underwriting templates to streamline data analysis of historical financial statements.
Managed due diligence documentation, ensuring all items were collected and reviewed promptly.
Analyzed bank statements to assess borrower liquidity, contributing to informed lending decisions.
Conducted zoning code reviews, preparing detailed analyses for non-conforming properties.
Reviewed third-party reports for accuracy, coordinating with appraisers and engineers for necessary adjustments.
Performed thorough site inspections to validate property conditions and financial data.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Underwriting Analyst Resume
Objective : With five years of underwriting analysis experience, I excel in assessing risk and financial viability in both commercial and residential markets. My analytical skills drive effective decision-making and enhance operational efficiency while ensuring adherence to underwriting standards.
Constructed detailed financial underwriting models to support acquisition analyses for diverse property types.
Responsible for making informed purchasing decisions through advanced Argus modeling techniques.
Managed a portfolio of 50 assets annually, creating financial models from letter of intent to project closure.
Collaborated with acquisitions and leasing teams to provide ad hoc financial analyses as needed.
Prepared thorough investment packages that included in-depth evaluations of financial statements and rent rolls.
Created financial models based on internal assumptions for presentation to the investment committee.
Selected to report key findings to CFO and VP of finance, underwriting 90 assets and establishing baseline valuations within a tight timeline.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Sr. Reinsurance Underwriting Analyst Resume
Summary : Accomplished Underwriting Analyst with a decade of experience specializing in commercial real estate underwriting, including multifamily, healthcare, and construction loans. Expert in financial analysis and risk assessment, leveraging data-driven insights to enhance decision-making processes and optimize loan structuring.
Structured, processed, and underwrote over $250 million in multifamily loans, ensuring compliance with HUD/FHA guidelines.
Conducted detailed analysis and valuation of real estate collateral, utilizing financial statements and cash flow projections.
Created advanced Excel models that enhanced cash flow projections and asset valuation, leading to more accurate loan amounts.
Authored comprehensive narratives outlining asset performance and capital structure for loan committee presentations.
Managed the due diligence process, ensuring all necessary documentation was collected and evaluated.
Prepared detailed credit analysis reports to assess borrower financial health and risk.
Collaborated with cross-functional teams to streamline underwriting operations and improve overall efficiency.
Experience
10+ Years
Level
Senior
Education
MBA
Underwriting Analyst Resume
Headline : Analytical Underwriting Analyst with over 7 years of comprehensive experience in evaluating financial risks and compliance across diverse sectors. Skilled in leveraging data analytics and financial modeling to inform strategic decisions, improve underwriting processes, and enhance client outcomes. Eager to contribute expertise to optimize risk assessment and drive operational excellence.
Skills : Data Analysis Tools, Financial Modeling Software, Client Relationship Management, Market Research Analysis, Risk Assessment Strategies
Description :
Collaborated with senior underwriters to assess financial risks and ensure accurate underwriting decisions.
Performed data entry and analysis within underwriting databases to support risk evaluation recommendations.
Utilized advanced MS Office tools and financial software for efficient data management and reporting.
Verified client demographic and medical information using various company-specific rating tools.
Analyzed, interpreted, and presented complex data from multiple sources to support underwriting strategies.
Prepared detailed cost analyses to support client bids and product development initiatives.
Objective : Insightful Underwriting Analyst with 5 years of experience in evaluating loan applications and assessing financial risks. Adept at utilizing data analytics to enhance decision-making processes while ensuring compliance with industry standards. Passionate about delivering precise insights that support effective underwriting practices and operational improvements.
Skills : Financial Modeling Software, Data Analysis Tools, Statistical Analysis Software, Data Visualization Techniques, Big Data Analytics
Description :
Prepared and processed mortgage loans for underwriting, adhering to established guidelines.
Conducted thorough analysis of income, debt, and credit history to determine mortgage application outcomes.
Organized and verified all essential documentation for loan files, ensuring accuracy and compliance.
Reviewed financial statements and legal documents, confirming completeness for underwriting decisions.
Assisted in the underwriting process by validating relevant information and documentation.
Collaborated with senior underwriters and market representatives to facilitate documentation gathering.
Provided insights on financial trends to refine underwriting strategies and improve accuracy.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Underwriting Analyst I Resume
Summary : Experienced Underwriting Analyst with 10 years of comprehensive expertise in evaluating risk and financial metrics across diverse sectors. Skilled in leveraging data analytics to inform strategic underwriting decisions, enhance operational efficiency, and ensure compliance with industry standards. Passionate about delivering actionable insights that drive profitability and support informed business strategies.
Skills : Data Analysis Tools, Risk Assessment Software, Effective Stakeholder Communication, Analytical Problem Solving
Description :
Developed competitive rates for renewal and RFPs in the 51-99 eligible employee health insurance market, enhancing market positioning.
Managed a block of business exceeding $25 million in annual premiums, achieving profitability within company guidelines.
Conducted comprehensive risk assessments, appropriately rating business using policy loss ratios and medical history to ensure long-term profitability.
Collaborated with sales and service teams in implementing new groups and suggesting cost-saving measures for existing clients.
Negotiated rate adjustments based on market trends and competitive data, optimizing profit margins.
Rated specialized products, including self-funded and HSA plans, successfully retaining clients seeking premium savings.
Authored departmental procedures for rating policies and documentation requirements, enhancing operational efficiency.
Experience
10+ Years
Level
Senior
Education
B.S. Finance
Underwriting Analyst Resume
Summary : Results-oriented Underwriting Analyst with 10 years of extensive experience in evaluating loan applications and conducting financial risk assessments. Proficient in analyzing complex data to inform underwriting decisions and enhance compliance with industry regulations. Eager to leverage expertise to drive strategic initiatives and optimize financial performance.
Skills : Federal Housing Administration (FHA), Multifamily Accelerated Processing (MAP), Loan Processing and Analysis, Microsoft Office Suite, Microsoft Word
Description :
Specialize in evaluating multifamily loans under the Federal Housing Administration (FHA), ensuring compliance with MAP guidelines.
Conduct comprehensive risk assessments on borrower financial statements and real estate portfolios to determine loan eligibility.
Analyze multifamily property operating statements, tax returns, and rent rolls to ensure profitability and stability.
Coordinate the collection and submission of required documentation to HUD for loan processing.
Respond to inquiries from internal and external stakeholders regarding loan applications and underwriting criteria.
Perform due diligence and financial analysis to support the underwriting function and assist in credit approval processes.
Collaborate with underwriters to evaluate complex accounts, enhancing overall underwriting efficiency.
Experience
7-10 Years
Level
Executive
Education
B.S. Finance
Underwriting Analyst Resume
Summary : Dynamic Underwriting Analyst with a decade of experience in financial risk assessment and loan evaluation. Adept at leveraging analytical skills to optimize underwriting processes and ensure compliance with industry standards. Committed to delivering actionable insights that enhance decision-making and drive operational success.
Analyze borrower financial statements and forecast property cash flow to assess loan viability.
Collect and evaluate supporting documentation for each assigned loan to ensure thorough underwriting.
Review appraisals, engineering, and environmental reports to confirm compliance and risk factors.
Engage with city officials to verify property compliance within the jurisdiction.
Prepare comprehensive narratives and spreadsheets for delivery to loan investors.
Facilitate communication with borrowers regarding documentation and loan progress.
Coordinate with underwriters, loan officers, and closers to finalize loan transactions.
Experience
7-10 Years
Level
Executive
Education
B.S. Finance
Underwriting Analyst Resume
Objective : Seasoned Underwriting Analyst with five years of specialized experience in financial risk assessment and loan evaluation. Adept at applying analytical techniques to enhance underwriting accuracy and compliance. Driven to provide strategic insights that improve decision-making and support business objectives.
Skills : Advanced Excel Analytics, Technical Documentation, Financial Modeling & Risk Analysis, Bloomberg Terminal Analysis, Real Estate Information Systems
Description :
Conducted in-depth financial analysis to underwrite debt financing for multifamily investment properties, overseeing 34 properties with a total loan amount exceeding $88 million.
Prepared detailed credit memos for loan committee reviews, enhancing transparency in decision-making.
Identified potential deal issues, collaborating with management to craft strategies for risk mitigation and successful client negotiations.
Reviewed legal and financial due diligence to assess mortgage creditworthiness and repayment capacity.
Ensured compliance of third-party reports with Fannie Mae and internal guidelines through meticulous analysis.
Executed comprehensive market research to inform underwriting decisions across various national markets.
Coordinated communications between stakeholders, including legal, brokerage, and underwriting teams, ensuring cohesive project execution.
Experience
2-5 Years
Level
Junior
Education
B.S. Finance
Underwriting Analyst Resume
Headline : Accomplished Underwriting Analyst with over 7 years of experience in evaluating financial risks and underwriting commercial and residential loans. Skilled in data analysis and risk assessment, utilizing insights to enhance decision-making and improve operational processes. Committed to delivering accurate evaluations that support compliance and drive business growth.
Skills : Effective Communication Skills, Advanced Microsoft Office Proficiency, Analytical Problem Solving, Client Relationship Management, Regulatory Compliance
Description :
Fora Financial, located in NYC, is a leading financial services company providing working capital to small and mid-size businesses nationwide.
Analyzed business financial reports, bank and credit card statements, and credit reports to assess customer risk profiles.
Utilized proprietary software to competitively price loan approvals based on risk evaluation.
Evaluated individual businesses using multiple metrics, providing recommendations for exceptions to senior management.
Collaborated with sales and business development to track deals and address client inquiries.
Improved underwriting processes by adopting innovative problem-solving approaches.
Ensured compliance with underwriting standards through diligent review and analysis of applications.
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