Yyyyyy x. yyyyyy

Xxxxxx, XXXXXX xxxxxx ￨ (xxx-xxx-xxxx ￨ abc@xyz.com

Results-Focused Mortgage Underwriting Manager who has delivered judicious multimxxxxxxlion-dollar, career-wide underwriting decisions, and who offers extensive knowledge and designation of VA, FHA, and USDA, as well as comprehensive loan transaction structuring skxxxxxxls. Highly Accomplished Leader who rises above underwriting challenges to attain mutually beneficial outcomes for both the client and company. Top Performer who maintains up-to-date knowledge of diverse mortgage industry trends to align with client and company objectives whxxxxxxe successfully leading detaxxxxxxs-generating underwriting teams by example and with ethics and integrity.

Career Highlights Include:

  Buxxxxxxding a cohesive team of underwriters to ensure compliance with strict regulations.

  Rapidly evaluating evolving underwriting scenarios to optimize decision-making processes.

  Excelling within remote-based roles due to excellence in self-motivation and time management.

  Promptly resolving underwriting issues whxxxxxxe implementing best practices of credit risk policies.

  Expertly interpreting investor guidelines to make sound judgments to align with department goals.

VA Full Doc Underwriting Manager (Remote Role)

Capitalize on the opportunity to train, mentor, and manage a top-performing team of 34 Remote Government Underwriters, including leading weekly meetings, as well as planning and prioritizing daxxxxxxy loan fxxxxxxe assignments per pipeline for a 24-hour turnaround. Communicate among Underwriters and Team Leads to discuss VA Circular updates / announcements, Credit Policy additions / revisions, and VA Deficiency findings. Objectively deliver disciplinary actions to uphold a high-productivity workplace and align with underwriting standards. Handle timecards, PTO, and / or payroll oversight. Conduct semi-annual / annual reviews, and suggest annual pay increases.

  Deliver 2^nd Level Underwriting decisions for high-risk VA Purchase or Cash-Out loans.

  Collaborate with National Management Group to manage underwriting / operational strategies.

  Continually drive Underwriting team to achieve goals and deliver quality-centric loan decisions.

  Promote a productive environment and work culture that values staff and rewards key performance.

Credit Risk ￨ Production Management (Remote Role)

Expertly managed underwriting of FHA and VA mortgage loans to verify for completeness, accuracy, and compliance. Optimized use of resources to achieve goals by assigning loan fxxxxxxes to underwriting teams. Validated Government test cases for Underwriters VA and / or DE designation. Reviewed post-closing audits on government purchase and Jumbo loan fxxxxxxes, and review complex loans requiring exceptions and disseminate decisions (i.e. approval, suspend, denial) via both verbal and written communications within a 48-hour turnaround time.

  Served as the designated VA Liaison / Subject Matter Expert.

  Supported the company s Director with New Underwriting training.

  Promptly analyzed and reported deficiencies, defects, and / or performance gaps.

Senior Lead Underwriter

Strategically steered government underwriting initiatives with management-level responsibxxxxxxities, including serving as a proactive underwriter of New Construction VA loans for KB Home, as well as FHA Bond loans. Ensured seamless operational processes at all times by assisting departmental staff as necessary to achieve key goals.

  Served as 2^nd Reviewer on escalation processes.

  Recognized as the company s VA Liaison / Subject Matter Expert.

Yyyyyy x. yyyyyy

Page Two ￨ (xxx-xxx-xxxx ￨ abc@xyz.com

Senior Underwriter III

Utxxxxxxized broad scope of industry knowledge toward analyzing and conditioning FHA and VA approved and manually underwritten mortgage loans. Completed comprehensive analysis of personal assets, income, and liabxxxxxxities for clients to secure an accurate decision to complete the loan processes. Exhibited talent in objectively analyzing personal and business tax returns for income qualification for home mortgage loans.

  Successfully underwrote government purchases and refinanced mortgage loans.

Senior Government Underwriter

Spearheaded thorough analysis to ensure the quality of each loan and to determine compliance with company and investor guidelines. Completed credit and income analysis of loan, ensured proper audits were completed, and verified consistency of loan fxxxxxxe information. Evaluated credit information on VA and FHA loan documents.

  Collaborated among top Account Executives, Operations Manager, and Production Manager.

  Expertly interpreted company underwriting guidelines to make sound credit-worthy decisions.

Senior Mortgage Underwriter

Contributed sharp analytical abxxxxxxities toward generating daxxxxxxy credit reports and appraisals whxxxxxxe managing a large-scale pipeline of conforming portfolio loans. Demonstrated experience in manually underwriting Conventional / Subprime Lending. Efficiently analyzed borrower debts and collateral to determine credit decisions, property valuation, and restructured loans. Validated underwriting decisions within authority. Seamlessly resolved risk issues for distribution to Team / Senior Managers by proactively assisting internal customers.

  Successfully trained newly hired teams.

  Ensured accurate and timely loan data on processing systems.

  Achieved and maintained internal training certificate for underwriting.

  Personally authorized to approve / decline mortgage loans up to a $1-mxxxxxxlion cexxxxxxing.

  Developed training materials for Account Executives and Brokers to help produce better loan fxxxxxxes.

Mortgage Underwriter

Played a vital role in facxxxxxxitating traditional underwriting for conventional loans that ensured accurate mortgage loan submission, including verifying income documents to ascertain credit worthiness. Consistently ensured appropriate document flow, and made alternative structure recommendations to exceed core objectives.

  Expertly reviewed financial statements, credit reports, and collateral.

Business Management Studies

FHA Designation ￨ USDA Designation

Staff Appraisal Reviewer (SAR) Designation

VA Lender Appraisal Processing Program (LAPP) Designation

VA Portal / WebLGY ￨ FHA Connection ￨ AUS / GUS

Encompass / DOS Underwriting Systems ￨ Microsoft Office