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Free Underwriter Resume Example
Denise J. Noonan
94 Deerfield Road
Birmingham, AL 36352
Self motivated energetic, efficient, and organized Senior Mortgage Underwriter with strong analytical and logic skills. Excellent communication skills, as well as an engaging personality with the ability to put others at ease, quickly building relationships based on mutual trust and benefit. Experienced in the art of multitasking, with a strong eye for detail.
9/2007-Present: Owner/Vice President, The Daivon Group, Dallas & Houston, TX. Budget and finance: Managed accounts payable/receivable and expense control procedures, including bank and account reconciliation, disbursements, billings, purchase orders and inventory verification. Management: Responsible for maintaining executive's schedules. Functioned as a liaison between executives and clients, to ensure proper lines of communication critical to addressing any number of problems, and issues requiring immediate attention or resolve. Relocation: Organized interstate relocation of company by coordinating schedules between packers, movers, vendors and transport.
8/2009-7/2010: Customer Care Professional, Experian, Allen, TX. Met quality performance standards through proactive investigation of issues in a liaison role, partnering with other departments, including the client. Resolving difficult issues abandoned by former care professionals by linking clients with informational resources as a value-added service. Nurtured client relationships through unparalleled customer service, increasing average calls per hour from 10 to 17 by quickly identifying client's needs and addressing any previously unresolved issues.
4/2007-9/2007: Senior Mortgage Underwriter, Greenpoint Mortgage, Plano, TX. Protected mortgage investments by evaluating loan risk and approving or rejecting submissions. Evaluated loan risk by verifying loan application information, and comparing it to loan guidelines and requirements. Clarified any risk by requesting additional information. Estimated degree of risk by noting any additional requirements and forwarding package to loan committee, when necessary. Rejected loans by identifying and documenting deficiencies as they related to guideline requirements. Underwrote: Conventional, Alt A, Single Family, Condo's, Townhomes, 2-4 units and income producing properties. Performed appraisal reviews and recommended additional requirements needed for risk to adhere to company guidelines. Signing authority of: $750,000, 5% LTV exception and .25bp rate exception authority. Produced productivity and quality standards reports on junior level underwriters and provided second level reviews on complex files and credit exception request.
2/2006-4/2007: Senior Mortgage Underwriter, Resmae Mortgage, Frisco, TX. (Duties and responsibilities are the same as the above listed Senior Mortgage Underwriter position with Greenpoint Mortgage dated 4/2007-9/2007)
6/2005-2/2006: Senior Mortgage Underwriter, Centex, Lewisville, TX. Preformed credit reviews in comparison to company guidelines and conditioned loans accordingly. Worked closely with account executives to ensure timely response to any issue to avoid delays in closing. Reviewed title commitments for any discrepancies that would compromise lien position. Underwrote: Alt A, Sub-Prime, Single Family, Condo's, Townhomes, 2-4 units and income producing properties.
1988-1990: Georgia State University. Business Administration Major
-Proficient in; Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Outlook and Internet.
-Strong analytical, problem solver and negotiator.
-Superior organizational skills with teamwork and results orientation in mind.
-Effective verbal and written communicator.
-Firm understanding of mortgage origination and underwriting practices.
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