Underwriter, Mortgage Cover Letter

I would like to submit my application for the underwriter, mortgage opening. Please accept this letter and the attached resume.

In the previous role, I was responsible for updates, clarification on oustanding conditions and deficiencies identified on loans, and assist in interpreting underwriting guidelines.

Please consider my experience and qualifications for this position:

• Knowledge of calculation of debit, income, lending info
• Solid computer savvy and application skills (Word, Excel )
• Active Conventional 1 or 2 for a minimum of 12 months
• Knowledge in principles and techniques of mortgage financing, such as taxes, insurance, credit and market trends, also in regulations and requirements established by the state and federal regulatory agencies for approval or denial of mortgage loans
• Basic knowledge in Accounting Principles
• Knowledge of state and federal regulations related to the mortgage banking
• Knowledge of Popular Mortgage products and services
• Understand and communicate effectively in English and Spanish, orally and in writing

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

Previously, I was responsible for a second layer of quality control to ensure that the liability taken on by the company will not result in a non-salable loan.

Please consider my experience and qualifications for this position:

• DE/SARS/LAPP Highly preferred
• Current knowledge of RESPA regulations
• Strong knowledge in FNMA/FHLMC, FHA, VA, USDA programs beneficial
• Experience with Encompass or similar LOS is preferred
• Able to multi-task under sometimes stressful conditions
• Experience with FHA, VA and HUD loans
• Advanced knowledge of FNMA & Freddie Mac underwriting and appraisal guidelines
• Knowledge of Fannie Mae, Freddie Mac and private mortgage insurance underwriting requirements

I would like to submit my application for the underwriter, mortgage opening. Please accept this letter and the attached resume.

In the previous role, I was responsible for prompt and exceptional service to the Loan Origination team and other colleagues in a friendly and professional manner consistent with TFB's culture.

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:

• Provide direct assistance to Mortgage Advisors who originate loans
• Train underwriters who are new or less experienced in Mortgage Lending
• Minimum six months as an Underwriter I
• Perform accurate analysis of loan files and effectively transmit underwriting decision to production/processing staff both orally and in writing
• Working knowledge of DU, LP, Total Scorecard
• Considers new ideas, views of others, or divergent points of view
• Performs work with appropriate accuracy and strives for quality in work produced
• Completes projects and can be counted on to be on the job and fulfill assigned job tasks

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

In the previous role, I was responsible for quality loans for the company by underwriting and evaluating residential mortgage applications.

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:

• Ensuring compliance with regulatory standards
• Ensuring compliance with company policies and guidelines
• Documenting and effectively communicating reasons for the approval/rejection of loans
• Returning applications with additional documentation to the loan officer for review
• Detail-oriented with data analysis skills
• Good working knowledge of mortgage loan processing and relevant legal regulations
• Proficiency in Microsoft Office and automated underwriting systems
• Frontline underwriting loan products

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

In the previous role, I was responsible for business managers with actionable feedback on the latest trends, regulations, and market practices to help craft future product developments.

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:

• Manage workflow, successfully closing several transactions monthly
• Experience with repurchase response and/or rebuttal review and response preparation
• Understanding of TRID, RESPA and Predatory Lending
• Analytical and decision making/problem solving skills
• Proficient in computers including LOS systems, Microsoft Office and Excel
• Experience with paperless environment preferred
• Possess clear, concise and effective written and oral communication skills
• Thorough understanding of underwriting policies and procedures investor guidelines and regulatory updates