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Yyyyyy x. yyyyyy                               0000 xxxxxx xxxx , xxxx , xxxxx 00000



Career Objective                             

Results-driven leader eager to contribute dynamic real estate, team building and leadership skills toward actively supporting a progressive organization as a key staff member



Ø  Offer approximately 12+ years progressive experience in a wide array of environments with a comprehensive underwriting background

Ø  Entrusted with achieving optimal utilization of human and financial resources through proactive workflow planning & coordination

Ø  Effectively define, develop and implement targeted action plans to maximize operational productivity and efficiency

Ø  Proactive leader who successfully recruits, trains/develops, mentors, and leads top-performing teams committed to providing superior service

Ø  Exceptional ability to research and evaluate industry trends and competitor products and use findings accordingly

Ø  Dynamic communication, presentation, relationship building, and problem solving abilities

Ø  Excel at interacting with broad populations including senior management, sales and customer service staff as well as clients


Professional Experience                

Homecomings Financial - Parsippany, NJ                                                                       2002-2007

Senior Mortgage Underwriter (Wholesale Lending)                                          

         Set goals, established priorities, managed resources, and developed concepts and approaches with full accountability for overseeing mortgage operations.

         Identified, analyzed, and evaluated loan risks and compensating factors; ensured the marketability of closed loans and the safety of assets. 

         Approved, suspended, or denied loan applications within the terms of company standards and procedures, regulatory underwriting guidelines and other secondary market requirements. 

         Reviewed appraisals and ensuring that determined values are well documented.

         Accurately evaluated the credit worthiness of potential borrowers.

         Established and maintained professional working relations with members and external lending professionals and governmental agencies.

         Examined overall loan documentation to ensure accuracy, completeness and fraud prevention.

         Reviewed loan-to-value ratio, credit reports, and loan applications to determine whether loan documents were in compliance to standards.

         Executed courses of action required in order in compliance; analyzed terms and acceptability of risk of prospective loans.

         Effectively planned, coordinated and facilitated functions to optimize productivity, efficiency and quality, with a strong focus on the delivery of superior customer service.

         Analyzed and reviewed work product and general operations to effectuate loss prevention issues and ensured that superior customer service was also provided.


Prior experience

Weichert Financial Services - Morris Plains, NJ                                                               1998-2002

Mortgage Underwriter (Retail Lending)                                                                                                       


Penn Federal Savings Bank, West Orange, NJ                                                                1996-1998

Mortgage Underwriter/Team Leader                                                                                                                      



William Paterson University, Wayne, Elementary Education, B.A. (Cum Laude)

National Association of Independent Fee Appraisers, Principles of Residential Real Estate Appraising

Rutgers Technical Program, Rutgers University, Professional Computer Training

American Institute of Banking, Principles of Banking & Mortgage Lending




Yyyyyy x. yyyyyy                               0000 xxxxxx xxxx , xxxx , xxxxx 00000







Hiring Agent Name


Company Name


City/State/Zip Code




I am currently seeking a challenging career opportunity and am submitting my resume for your review.  In advance, thank you for your time and consideration.


From leading high performance teams and facilitating superior client servicing to reducing operating costs and executing proactive processes/procedures, I have continually excelled as a proactive leader. 


I excel in identifying and resolving inefficiencies, introducing technology solutions instrumental to boosting performance and strategically utilizing financial and human resources to generate optimal results. 


As a member of your staff, you will find me to be a driven team player committed to supporting you in achieving your objectives through superior performance.  I am confident that I could be a valuable asset to your firm, and look forward to interviewing with you in the near future.








Alice Sandford




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