Mortgage Underwriter Cover Letter

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

Previously, I was responsible for leadership to consumer doc prep and mortgage loan processing staff by staying abreast of department goals and objectives, assisting staff with questions or problems, researching more complex situations, motivating staff to promote superior customer relations and directly oversee the mortgage processing supervisor.

Please consider my qualifications and experience:

• May work irregular hours due to scheduling requirements to meet application submission and dispersion of applications across time zones
• Previous experience working knowledge of underwriting bank products, including mortgages is desirable
• Previous experience with automated application systems also desirable
• Placement in level is determined by established credit authority limits based on industry knowledge and experience
• Analytical skills to evaluate diverse situations, multiple data sources and make appropriate decisions
• Extensive knowledge of Fannie underwriting guidelines including appraisal, property, assets, credits
• Recentexperience in the residential mortgage underwriting
• Appraisal review experience

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

In my previous role, I was responsible for effective initial and ongoing training and mentoring to underwriters to ensure they possess a thorough understanding of the bank’s credit policies, procedures and processes, and that they are compliant with all applicable Federal and State regulations.

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

• Perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations
• Performing manual underwriting, requiring a detailed familiarity with various loan programs
• Executing an appraisal analysis to determine that acceptable collateral standards are met
• Communicating credit risk decisions to the partnering individuals within the company, correspondents, or borrowers
• Achieving productivity standards
• Performing due diligence quality review of partnering underwriters, by providing a detailed review of retail and correspondent approved loans, including credit, income, and asset analysis and findings
• Proficient in DU, LP and Fraud Detection programs
• Extensive knowledge of Fannie Mae and Freddie Mac guidelines

I submit this application to express my sincere interest in the mortgage underwriter position.

In the previous role, I was responsible for additional support for the Senior Mortgage Security Specialist by conducting credit reviews on mortgage files of interest and.

Please consider my qualifications and experience:

• Capacity for critical analysis and interpretation of data
• Integrate and effectively evaluate all information when measuring the risk associated with the approval of a mortgage loan and determine the opportunity cost
• FHA VA Certifications
• SAR certification and FHA CHUMS preferred
• Experience in underwriting conventional conforming, VA, and FHA
• Previous mortgage banking experience preferred
• Time management and organization skills to effectively prioritize multiple objectives and achieve production and turn-around-time goals
• Assist the lending division management in the origination of mortgage loans, including achieving our member service standards and loan growth goals

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

In the previous role, I was responsible for information and knowledgeable assistance regarding mortgage loans by retrieved loan information and provide customers information quickly and accurately.

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:

• Plans and organizes work assignments and carries out assignments effectively
• Follow directions from and interact well with mortgage associates
• Authorizing and underwriting loans
• Reviewing and verifying loan applications and supporting documentation
• Analyzing loan risk and requesting additional information as necessary
• Preparing reports on assessment findings
• Making loan eligibility decisions and approving or rejecting applications
• Reviewing and specifying loan conditions as necessary

I submit this application to express my sincere interest in the mortgage underwriter position.

In my previous role, I was responsible for information and knowledgeable assistance regarding mortgage loans by retrieving loan information and provide customers their information quickly and efficiently.

Please consider my experience and qualifications for this position:

• Current working knowledge of Desktop Underwriter and Loan Prospector automated underwriting systems
• Proficient in Encompass loan origination system
• Knowledge of Secondary marketing pricing
• Preferred experience to be SASE 2 signing authority
• Maintain clear and effective communications with applicants
• Evaluate loan applications and financial documentation to confirm credit worthiness
• Provide meticulous attention to detail in underwriting mortgage loans while evaluating the financial strength of clients
• Maintain up-to-date knowledge of the latest banking products and services - FHA, conventional, and VA residential mortgages