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Additional Banking Resume Samples
Mortgage Analyst Resume Samples
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0-5 years of experience
- Reviewed and re-performed calculations of numbers and ratios for varies types of loans.
- Determined risks of new business opportunities based on the portfolio components and client’s background.
- Managed purchase budget for department and reporting to management directly with respect to budget related issues.
- Participated in multiple projects such as subordination, condo review, oil & gas lease review and post-closing review.
6-10 years of experience
- Reviewed, verified, examined, loan documents to submit to underwriting timely and efficiently by multitasking, utilizing all of the tools available to me including Outlook, Excel, Phones, Email, Supporting my department while managing an average pipeline of 30 files per month.
- Evaluated debt ratios and loan to value ratios, credit scores and property appraisals, insured the qualification and justification for all the loans in my department.
- Determined documentation required and recorded decisions
- Provided excellent communication and problem solving skills
- Applied underwriting knowledge of guidelines while underwriting all types of loans including Conventional, VA, FHA, Residential and Commercial mortgage loans.
0-5 years of experience
- Promoted from Support Operations Analyst to Project Manager (SME) within one year of previous position.
- Analyzed and designed process flows for a new system of record (servicing platform within reverse).
- Identified new processes and application changes that impacted production job flows and customer impact.
- Demonstrated knowledge for gathering, analyzing and documenting business and functionality requirements.
0-5 years of experience
- Analyzed borrower’s income, liquid and collateral assets, and other financial documentations to determine borrower’s eligibility to make a loan.
- Reviewed mortgage documentation on the UniFi Pro and Loan Origination Mortgage system and gave feedback to Business Analysts and QA testers on any challenges of the system.
- Called upon as SME in mortgage origination procedures to assist in answering questions for Business Analysts and IT developers.
- Performed quality control reviews ensuring regulatory compliance standards in relation to RESPA, TILA, Dodd- Frank Act, fair lending, FDPA, SCRA and determined if the system in place was effective in capturing the information required for my reporting.
6-10 years of experience
- Investigated about 25 to 40 mortgage loan files per month in amounts of up to $1,000,000 for mortgage fraud
- Reviewed underwriting and compliance data
- Re-verified employment and income, asset statements, and other loan documents
- Reviewed appraisals, BPOs, and AVMs
- Researched real property records and completed complex chains of title
- Performed in-depth reviews of tax returns, bankruptcies, and credit reports
- Interviewed borrowers about their loan origination and loan servicing experience
- Wrote detailed analytical reports that contained all findings and conclusions
- Ranked in the top five among analysts for production and quality
0-5 years of experience
- Responsible for managing and servicing a varied FHA, FNMA and FHLMC portfolio of intricate loans ranging from $1 to $350MM.
- Perform loan audits, by completing data uploads, analyzing backup documentation, collateral verification, borrower qualifications and making recommendations for disbursement of reserve escrow funds.
- Research and resolve escrow reserve issues initiated by borrowers and other lines of business.
- Analyze and interpret complex commercial mortgage documents, financial documents and leases.
- Liaise between asset managers, tax, insurance, cash management, special servicers and borrowers.
- Effectively manage a pipeline of 30-50 loans.
- Coach and provide feedback to EGS team members located in India regarding issues that are identified when performing the initial audit review, allowing them to enhance their review process, increasing production and accuracy.
- Conduct user acceptance testing (UAT) as the final phase of applications development ensuring systems satisfied the business needs of the internal reserves escrow team.
0-5 years of experience
- Originate mortgage loans by establishing client relationships, maintaining referral partnerss and marketing to potential new sources
- Ensure that all origination activities are in full compliance with state and federal lending laws
- Analyze customers financial needs for the purpose of customizing and presenting loan options that best serve them
- Review and submit customer documentation, i.e., tax, credit and income documents, etc., to complete file and submit to processing
- Work closely with processors and underwriters to expedite loan approval process
- Stay up to date with evolving loan programs and their requisites
- Follow-up with customers to preserve relationship and to procure refferals
0-5 years of experience
- Assist LO with face-to-face application meeting with borrowers when LO cannot
- Call/Email borrower(s) if needed items are not received
- Process mortgage applications in accordance with company compliance policy
- Knowledge of Fannie, Freddie, FHA, VA, USDA
- Issue “Pre-Approval Scenario” guide to Real Estate Agent
- Experience working with automated underwriting systems and procedures (Encompass)
- Pre-Underwrite the file with DU/LP findings
- Thoroughly review all documents to ensure accuracy in the loan application
- Gain the confidence of all borrowers and business partners by the depth of your loan knowledge
0-5 years of experience
- Conduct pre qualification interview with potential clients.
- Analyze financial & supporting documents in order to qualify clients for the foreclosure defense attorney’s services.
- Account management, including billing hold procedures.
0-5 years of experience
- Adjust/Lock Loans
- Patriot Act Searches
- Multi-State closings