Underwriter Sample Resume
Morgan K. Stanton
1234 Princeton Drive
Las Vegas, Nevada 89000
Home: 727-555-5555
Cell: 727-555-5556
Email: mksmith@frontfocus.com
Objective
Be an underwriter with expertise in multiple specializations upholding performance standards and reporting and review processes to ensure compliance with all financial reporting
Qualifications Summary
More than 6 years of underwriting experience with Full Conventional and Government Underwriting designations and a complete understanding of legal, regulatory, economic, competitive and technological environments which potentially affect Real Estate Lending programs.
Education
UNLV, Las Vegas, NV
Underwriter II: March 2003 - Present, Newberry Financial, Las Vegas, NV
1234 Princeton Drive
Las Vegas, Nevada 89000
Home: 727-555-5555
Cell: 727-555-5556
Email: mksmith@frontfocus.com
Objective
Be an underwriter with expertise in multiple specializations upholding performance standards and reporting and review processes to ensure compliance with all financial reporting
Qualifications Summary
More than 6 years of underwriting experience with Full Conventional and Government Underwriting designations and a complete understanding of legal, regulatory, economic, competitive and technological environments which potentially affect Real Estate Lending programs.
Education
UNLV, Las Vegas, NV
- Bachelor of Science in Accounting (May 1996)
- Minor in Finance
Underwriter II: March 2003 - Present, Newberry Financial, Las Vegas, NV
- Review, examine and underwrite loans to ensure soundness, business value and compliance with company and investor standards.
- Determine and document loan conditions and communicate requirements and/or decisions.
- Review detailed historical and projected financial analysis utilizing tax returns and financial statements.
- Independently conduct full and comprehensive evaluations of a variety of complex, high-risk mortgage loan applications.
- Review and analyze special conditions, loan deficiencies and exception requests to determine appropriate courses of action.
- Manage the on-site process of buying and selling non or under-performing loan portfolios.
- Serve as a project leader on special assignments.
- Assessed loan attributes and documentation for soundness and accuracy.
- Determined appropriate recommendations subject to management and underwriting guidelines.
- Reviewed, evaluated and synthesized data to ascertain loan viability and identify risk issues and potential fraud.
- Independently performed financial analysis on borrowers.
- Assisted in identifying, recommending and negotiating alternative loan requirements, funding loan-structuring solutions.
- Prepared historical and sensitivity analysis of real estate projects, as appropriate.
- Maintained current knowledge of market conditions and company lending guidelines.
- Evaluated debt ratio, loan-to-value ratios, credit score, property valuation and various other factors.
- Identified and recommended alternatives regarding loan-structuring and financing solutions.
- Provided customer service to prospective and existing borrowers keeping the customer informed of loan status.
- Assessed program effectiveness and, as appropriate, made recommendations for improvement.
- Prepared and maintained files on all vendors and approved appraisers and brokers.
