Consumer Underwriter Cover Letter

I am excited to be applying for the position of consumer underwriter. Please accept this letter and the attached resume as my interest in this position.

In the previous role, I was responsible for specific subject matter expertise to consumer lending operations staff regarding underwriting guidelines and product offerings.

My experience is an excellent fit for the list of requirements in this job:

• Experience in complex loan scenarios with high profile customers
• Systems related knowledge (inSTEP, CLAS, ALS, Outlook, CIF)
• Flexibility to work Saturdays and Holidays
• Exposure to consumer lending concepts, practices and procedures
• Some knowledge of federal and state laws, rules, and regulations governing consumer lending
• Basic knowledge of consumer loan products
• Intermediate personal computer skills with knowledge of email and MS Office
• Recent knowledge and experience in CVL and or Auto Lending

Please consider me for the consumer underwriter opportunity. I am including my resume that lists my qualifications and experience.

Previously, I was responsible for updates to Consumer Lending Guidelines, Standard Operating Procedures and Work Instructions.

Please consider my experience and qualifications for this position:

• Thorough knowledge of FNMA, and FMLMC guidelines and standards
• Experience with income validation including personal and corporate tax forms
• Mortgage lending and/or processing experience
• Communication, Time Management, Customer Service, Critical Thinking, Problem Solving
• Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country
• Serve mass market, affluent, and small business customers
• Focus is on delivering an exceptional experience for customers through financial advice and guidance coupled with providing the products and services
• Preparing formal reports for review

In response to your job posting for consumer underwriter, I am including this letter and my resume for your review.

In my previous role, I was responsible for decision/approval on escalated consumer credit transactions/applications and communicate effectively with consumer credit and ALD or UDL credit qualified sales & service employees to ensure rationale and decision is clearly understood.

My experience is an excellent fit for the list of requirements in this job:

• Microsoft Office Proficient (Word, Excel, PowerPoint, SharePoint)
• Understanding and reading Credit Bureaus Reports
• Requires strong interpersonal and problem solving skills
• Customer Service – Responds and communicates quickly with frontline loan originator and loan documentation department
• Completes administrative tasks correctly and on schedule
• Has an aptitude for banking technology
• Accuracy with all data inputs
• Work quickly and accurately in an online environment

In response to your job posting for consumer underwriter, I am including this letter and my resume for your review.

In my previous role, I was responsible for decision/approval on adjudicated consumer credit transactions/applications and communicate effectively with consumer credit and ALD or UDL credit qualified sales & service employees to ensure rationale and decision is clearly understood.

My experience is an excellent fit for the list of requirements in this job:

• Experience with marine and/or RV consumer loans
• Experience using bank core systems such as Bankway
• General knowledge of the retail banking function
• Proficiency with office technology and a working knowledge of word processing, spreadsheets, PowerPoint, and related software
• Thorough knowledge of complex personal and business financial analysis and an expertise in tax returns and balance sheet analysis, including both cash flow and AGI methods
• Some experience analyzing and interpreting basic financial statements and tax returns
• Submit to a pre-employment criminal background check and credit check
• Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates

In response to your job posting for consumer underwriter, I am including this letter and my resume for your review.

In my previous role, I was responsible for a professional lending service while applying appropriate and effective credit governance and standards.

I reviewed the requirements of the job opening and I believe my candidacy is an excellent fit for this position. Some of the key requirements that I have extensive experience with include:

• Implementing fraud detection techniques, performing compliance reviews
• Contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision
• Strong analytical skills including analyzing complex data
• Execute in a fast paced, high demand, environment while balancing multiple priorities
• Microsoft Office tools and applicable Underwriting applications
• Experience interpreting and applying state, federal, and agency legal and regulatory compliance requirements
• Dependent on division, functions include reviewing financial statements, credit reports, and applicable ratios
• Examining transactions to ensure accuracy and completeness