         MORTGAGE BANKING UNDERWRITER II           Experience      Mortgage Banking Underwriter II  ,     04/2017   to   Current     Company Name   –   City  ,   State      Analyze loan documentation to determine debt to income ratios, verification of assets, and credit
 risk for applicants seeking to obtain a mortgage.  Determined qualifying income from tax returns of self employed borrowers that consist of Sole
 Proprietors, Partnerships, and S-Corps.  Underwrite and apply needed conditions for mortgage applications to ensure customer meets
 product specifications and guidelines.  Review loan documentation for accuracy, completeness, and compliance to Desktop Underwriter
 (DU) and Loan Prospector (LP) findings.  Obtained and completed mandated training for $750,000 lending authority.         Senior Remote Underwriter  ,     11/2016   to   03/2017     Company Name   –   City  ,   State      Analyzed credit risk and financial strength of borrowers to determine credit worthiness and
 repayment capacity.  Presented written and verbal loan decisions detailing the results of risk analysis that support
 recommendation to approve, suspend, or deny request for mortgage insurance.  Underwrote conventional conforming and non-conforming loans.  Proposed counter offers for analysis that did not meet Arch MI or investor guidelines.  Increased underwriting loan level authority from $417,000 to $750,000.         Remote Underwriter  ,     12/2012   to   10/2016     Company Name   –   City  ,   State      Analyzed income, credit, and collateral documentation making quality risk decisions that comply
 with Arch MI's Guidelines and Exception Matrix for Mortgage Insurance applicants.  Exceeded productivity standards completing 4.5 files per day while increasing loan level from
 $200,00 to $417,000.  Assisted sales team in answering inbound scenario questions relating to credit risk and collateral
 requirements.  Responsible for underwriting Fannie Mae and Freddie Mac loans.         Senior Underwriting Support Specialist  ,     06/2007   to   11/2012     Company Name   –   City  ,   State      Performed monthly audits for the Home Affordable Refinance Program application and Delegated
 Mortgage Insurance account submissions completed by level 1 and level 2 support staff.  Trained new employees in the on-boarding process for remote underwriting.  Developed best practice guidelines as new employees were integrated into CMG's imaging system.  Developed procedures to process the Home Affordable Refinance Program.  Recipient of the PMI Mortgage Insurance Diamond award for outstanding and stellar work
 performance.  Performed data entry for master policy requests and billed contract underwriting submissions.  Performed administrative duties for management team.         Underwriting Support Specialist II  ,     01/2005   to   05/2007     Company Name   –   City  ,   State      Managed Underwriting Operations workflow to ensure underwriting turn times were met and files
 were distributed to underwriting pipeline.  Registered and prepared incoming files for underwriting.  Responsible for Operating switchboard that consisted of 50 working extension in a call center
 environment.  Collaborated with the IT department to ensure computer systems and software issues were
 resolved in a timely manner.  Prepared pre-approval of clients and requests for credit reports.         Underwriting Assistant  ,     06/2001   to   12/2004     Company Name   –   City  ,   State      Performed data entry for delegated Mortgage Insurance requests that require company accuracy
 rating of at least 95% to 100%.  Correspond to customer inquiries regarding status requests and underwriting decision.  Purchased and managed office supplies operating as inventory clerk and shipping clerk.  Managed shipping process and shipping logs for off-site file retention.         Work History      Mortgage Banking Underwriter II  ,   04/2017   to   Current     Company Name   –   City  ,   State      Analyze loan documentation to determine debt to income ratios, verification of assets, and credit
 risk for applicants seeking to obtain a mortgage.  Determined qualifying income from tax returns of self employed borrowers that consist of Sole
 Proprietors, Partnerships, and S-Corps.  Underwrite and apply needed conditions for mortgage applications to ensure customer meets
 product specifications and guidelines.  Review loan documentation for accuracy, completeness, and compliance to Desktop Underwriter
 (DU) and Loan Prospector (LP) findings.  Obtained and completed mandated training for $750,000 lending authority.         Senior Remote Underwriter  ,   11/2016   to   03/2017     Company Name   –   City  ,   State      Analyzed credit risk and financial strength of borrowers to determine credit worthiness and
 repayment capacity.  Presented written and verbal loan decisions detailing the results of risk analysis that support
 recommendation to approve, suspend, or deny request for mortgage insurance.  Underwrote conventional conforming and non-conforming loans.  Proposed counter offers for analysis that did not meet Arch MI or investor guidelines.  Increased underwriting loan level authority from $417,000 to $750,000.         Remote Underwriter  ,   12/2012   to   10/2016     Company Name   –   City  ,   State      Analyzed income, credit, and collateral documentation making quality risk decisions that comply
 with Arch MI's Guidelines and Exception Matrix for Mortgage Insurance applicants.  Exceeded productivity standards completing 4.5 files per day while increasing loan level from
 $200,00 to $417,000.  Assisted sales team in answering inbound scenario questions relating to credit risk and collateral
 requirements.  Responsible for underwriting Fannie Mae and Freddie Mac loans.         Senior Underwriting Support Specialist  ,   06/2007   to   11/2012     Company Name   –   City  ,   State      Performed monthly audits for the Home Affordable Refinance Program application and Delegated
 Mortgage Insurance account submissions completed by level 1 and level 2 support staff.  Trained new employees in the on-boarding process for remote underwriting.  Developed best practice guidelines as new employees were integrated into CMG's imaging system.  Developed procedures to process the Home Affordable Refinance Program.  Recipient of the PMI Mortgage Insurance Diamond award for outstanding and stellar work
 performance.  Performed data entry for master policy requests and billed contract underwriting submissions.  Performed administrative duties for management team.         Underwriting Support Specialist II  ,   01/2005   to   05/2007     Company Name   –   City  ,   State      Managed Underwriting Operations workflow to ensure underwriting turn times were met and files
 were distributed to underwriting pipeline.  Registered and prepared incoming files for underwriting.  Responsible for Operating switchboard that consisted of 50 working extension in a call center
 environment.  Collaborated with the IT department to ensure computer systems and software issues were
 resolved in a timely manner.  Prepared pre-approval of clients and requests for credit reports.         Underwriting Assistant  ,   06/2001   to   12/2004     Company Name   –   City  ,   State      Performed data entry for delegated Mortgage Insurance requests that require company accuracy
 rating of at least 95% to 100%.  Correspond to customer inquiries regarding status requests and underwriting decision.  Purchased and managed office supplies operating as inventory clerk and shipping clerk.  Managed shipping process and shipping logs for off-site file retention.         Education      High School Diploma  :   Accounting and Bookkeeping  ,   06/2000     George Westinghouse Career Academy   -   City  ,   State    Participant in the Retail and Education Alliance for the Development of Youth. (R.E.A.D.Y. Program)       Summary    Mortgage Underwriter with 17 years of work experience who adapts to change. Self-motivated with
 exceptional customer service skills and a determined work ethic. Excels in problem solving, results driven,
 customer service, great verbal and written communication. Core competencies includes Risk Analysis,
 Credit Evaluations, Financial Reporting, Data Entry, 10-Key Data Entry, Billing, and Administrative support.      Highlights          Administrative duties  Call center  Credit  Credit  Rrisk  Credit risk  Clients  Data entry  Documentation  Financial  Imaging  Insurance  Inventory  Loan documentation      Mac  Office  Quality  Retail  Risk analysis  Sales  Shipping  Switchboard  Tax returns  Underwriter  Underwriting  Workflow  Written            Skills     Administrative duties, call center, credit, credit  Rrisk, credit risk, clients, data entry, documentation, financial, imaging, Insurance, inventory, loan documentation, Mac, office, quality, Retail, risk analysis, sales, shipping, switchboard, tax returns, Underwriter, Underwriting, workflow, written    