Mortgage Underwriter Resume: Examples & Tips
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A mortgage underwriter is responsible for examining loan documentation for correctness and consistency. Duties for this job include collecting information, directly interacting with clients to evaluate financial positions, and providing appropriate solutions.
Below are helpful tips and resume samples to help you create the right underwriter resume for the right underwriting job:
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Mortgage underwriter example (text version)
Name: DYLAN LIU
Address: City, State, Zip Code
Phone: 000-000-0000
E-Mail: email@email.com
PROFESSIONAL SUMMARY
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.
WORK HISTORY
- Leveraged customers’ 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.
SKILLS
- Policy renewal
- Negotiation and pricing
- Ethical decision-making
- Relationship building
- Organizational skills
- Strong mathematical aptitude
- Excellent computer skills
EDUCATION
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Mortgage Underwriter Resume FAQ
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 resume 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 format, 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 |
| Loan portfolios | Communication |
| Income documentation | |
| Credit reports | |
| Compliance | |
| Property appraisals |
| Technical skills: |
| Risk analysis |
| Underwriting guidelines |
| Fraud detection techniques |
| Analyzing credit and budgetary restraints |
| Property analysis |
| Fannie MAE |
| Freddie Mac |
| FHA/VA knowledge |
| Loan portfolios |
| Income documentation |
| Credit reports |
| Compliance |
| Property appraisals |
| Soft skills |
| Mathematical skills |
| Attention to detail |
| Organization |
| Strong work ethic |
| Time management |
| Relationship building |
| Analytical skills |
| Business etiquette |
| Communication |
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.
Do’s and Don’ts for Your Resume
- DO mention related achievements and certifications. To get an edge on candidates with similar experience and skills, mention any relevant certifications and/or training you have. For mortgage underwriting, a professional certification such as Certified Mortgage Underwriter (CMU) and Certified Master Mortgage Underwriter (CMMU) from the National Association of Mortgage Underwriters (NAMU) can help increase your chances of getting a job.
- DO customize your resume for each job. Avoid submitting a single “generic” resume for every job position. Sure, you might cut down on time spent writing your resume, but it also minimizes your chances of getting shortlisted for a job. To create a resume that keeps the recruiter’s attention every time, make sure you adjust your summary, skills and work history sections to address the specific demands of each job. If you use our Resume Builder, you’ll be able to easily customize and save different versions of your document.
- DO proofread your resume for typos, errors and goofs. You can have all the right credentials, but if an employer catches simple, silly mistakes on your resume, it might be enough to sabotage your chance at a job. Review your resume before you send it in for typos and grammatical errors, and make sure your information is accurate and up-to-date. Our Resume Builder can give you a headstart with its built-in review tools.
- DON’T include unnecessary information. Try not to stuff your resume with irrelevant information to make it look more substantial — that only drives recruiters’ attention away from important info. And, don’t go into heavy detail on jobs that aren’t connected to the job you’re applying for. Instead, focus on giving more detail to the jobs and duties that really count. For instance, instead of stating, “worked with multiple vendors,” write “worked with primary vendors, maintaining consistent 24-hour turnaround.”
- DON’T get too fancy with your resume’s “look.” Too many colors, fonts and fancy graphics can give your resume an unprofessional look. Instead, use a simple, professional resume template that features subtle combinations of colors and fonts. A straightforward document with the right content is always the best combination.
- DON’T list references in your resume. Unless specifically requested, there’s no need to include references in your resume — it only occupies space you could be using to provide more info on your skill set and career highlights. If your employer needs references, they’ll ask.
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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Mortgage Underwriter Resume Example
Kellie is a Certified Professional Resume Writer with extensive experience in digital media. She is passionate about helping job seekers navigate their careers. She earned a B.A. in English and writing from Temple University.
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