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Featured Resume Example: Mortgage Underwriter
Analytical mortgage underwriter with expertise in loan management. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
- Leveraged customersâ€™ history, industry and demographic information to calculate renewal rates.
- Achieved production goals by developing strong underwriting teams.
- Identified portfolio risks resulting from client’s underlying business practices, underwriting investigations or fraud exposure leading to a 15% in customer retention.
- Conducted comprehensive analysis and evaluated risk to control underwriting loss.
- Compiled coverage and rating information in an accessible format.
- Presented and clearly explained policy options based on clients needs and goals.
- Coordinated materials for underwriting needs, including physical files, tracking spreadsheets and update reports.
- Reviewed, classified, coded and rated applications to support senior underwriters during busy periods.
- Performed data entry functions to track information such as payments, account updates and customer interactions.
- Policy renewal
- Negotiation and pricing
- Ethical decision-making
- Relationship building
- Organizational skills
- Strong mathematical aptitude
- Excellent computer skills
Top 4 Characteristics of a Best-in-Class Mortgage Underwriter Resume
- Summary In a few crisp sentences, showcase your achievements in previous jobs along with your best soft and technical skills. Make sure the details you provide answer the prime question: What makes you the right person for this job? For example: “Proficient mortgage underwriter experienced in processing mortgage loans involving multiple investment properties. Has accurately completed 150+ non-conforming purchases.”
- Skills List skills that are specifically related to what the job position requires. If the position calls for credit analysis or relationship building, make sure to mention these skills if you have them. Also include important soft skills such as strong interpersonal abilities, quick decision-making, and the ability to collaborate with colleagues.
- Work Experience Describe your work accomplishments in quantifiable terms. For example: “performed 15+ collateral reviews every week,” or “rewarded as the most productive mortgage underwriter with underwriting authority up to $1,235,000.” Using numbers and stats will help give recruiters proper context about your achievements.
- Education List your highest education qualifications, such as a bachelor’s degree in business, economics, accounting, finance or related field. Also note any additional training you’ve had in the field, such as a Certified Mortgage Underwriter qualification from the National Association of Mortgage Underwriters (NAMU).
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Find the Right Template for Your Resume
Make sure your resume stands out from the crowd by using one of these professional resume templates.
The resume layout “connects the dots” of your career highlights with its unique layout, adding a monogram header for an eye-catching look.
This straightforward template uses a dash of color, while staying within the boundaries of a professional resume. Headings are arranged in the left margin to keep your document clutter-free.
The dual-column layout uses bold mini-headers to neatly organize every section, while the prominent fonts for each heading lend consistency.
Mortgage Underwriter Resume FAQs
1. What is the recommended format for your resume?
Experienced mortgage underwriters should go with a chronological resume format, which features key skills and a robust work history section displaying your consistent career growth. If you have five years of experience or less, opt for the combination format, which features a more equal blend of work experiences and skills. If you’re new to this industry or are a first-time job seeker, consider a functional resume, which puts the spotlight on the skills and training you have that fit the job.
2. How do you optimize your resume with relevant keywords for ATS?
Employers frequently use applicant tracking systems (ATS) to scan incoming resumes for important keywords. To pass ATS (as well as the critical eye of employers), lock in on phrases and words in the job description that detail work requirements (e.g., “provides written letters of commitment” or “corrects potential problems in loan processing files”). Then update your skills, work experiences and summary statement to reflect these phrases, making sure they accurately reflect your own abilities. For example, you could write “Detail-oriented underwriter well-versed in spotting and correcting potential problems in loan processing files” in your summary, or “writing and documenting mortgage letters of commitment” in your skills section.
3. What are some essential skills you can list in a mortgage underwriter resume?
|Technical skills:||Soft skills:|
|Risk analysis||Mathematical skills|
|Underwriting guidelines||Attention to detail|
|Fraud detection techniques||Organization|
|Analyzing credit and budgetary restraints||Strong work ethic|
|Property analysis||Time management|
|Fannie MAE||Relationship building|
|Freddie Mac||Analytical skills|
|FHA/VA knowledge||Business etiquette|
|Fraud detection techniques|
|Analyzing credit and budgetary restraints|
|Attention to detail|
|Strong work ethic|
4. How should you craft your resume if you want to take your career to the next level?
To move up from your current position, add experiences such as the following to your resume:
- Work closely with upper-level management to gain more industry knowledge, and take on additional job responsibilities that show off your capacity for career growth
- Demonstrate consistent success at hitting revenue targets and exceeding them, and effectively maintaining client portfolios
- Gain more training and certifications in areas such as project management, real estate evaluation, and investment management and risk assessment
5. What should you NOT put in your resume?
Here are a few things to watch out for when putting together your resume:
- Don’t get too friendly or boastful in your overall tone — just focus on displaying your best abilities in a straightforward, objective manner.
- Don’t use pronouns like “I,” “me” or “my.” Follow the examples on this page.
- Don’t over-stuff keywords in your resume. Look for ways to present work achievements and skills that fit what the open position requires, rather than just copying and pasting keywords.