underwriter

 

results-oriented professional with underwriting experience seeking to secure additional experience in handling, reviewing, and underwriting loans. strong knowledge of mortgage processing, assessment of financial resources, deductive reasoning, negotiation, problem sensitivity, client evaluation, and sound decision making. possess exceptional organizational and interpersonal attributes and a fiery determination to succeed. exhibit dynamic follow-through, astute professionalism, and a stellar work ethic. consistently create lasting relationships with people from diverse cultures and professional backgrounds. interact with a network of cross-functional professionals to achieve maximum motivation, collaboration, and efficacy.

 

underwriting / mortgage loan processing / residential appraisals

teambuilding / document review & assessment

career history

 

oil & gas investment salesman, 08/2008 c present

magna resources, dallas, tx   

         demonstrate strong sales ability leading to capture of $145k in total commissions during initial 11 months and quickly met level iii 4th quarter 2008 bonus campaign: $7500.

         solicit the purchase of joint venture shares of oil and gas projects and analyze market conditions to determine optimum times to execute transactions.

         calculate costs for billings and commissions and complete client-requested transactions.

         contact prospective customers to determine customer needs, present information, and explain available options.

         inform and advise concerned parties regarding fluctuations and transactions affecting accounts.

         prepare documents needed to implement clients transactions and generate relevant reports.

                                                                        

loan processor & underwriter, 06/2007 c 08/2008

imperial mortgage, richardson, tx

         evaluated, authorized, or recommended approval of mortgage loans including purchase, refinance, fha, va, prime and alt a loans.

         utilized software such as desktop originator and desktop underwriter to analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

         explained to customers the different types of loans and credit options that are available, as well as the terms of those services.

         reviewed loans such as gov, non-gov, a, alt-a, purchase, r/t, and c/o agreements to ensure that they are complete and accurate according to policy.

 

public school teacher, 08/2006 c 08/2007

garland independent school district, garland, tx                                  

         facilitated use of the responsive classroom philosophy for 5th graders to improve learning proficiency levels, and comprehension skills of students using most effective learning medium in reading and language arts.

         collaborated with colleagues and administrators to introduce balanced programs of instruction and demonstrations that provided opportunities to observe, question, and investigate.

         developed effective and proactive behavior management methods within classroom; institute fair, clear rules and consistently enforce them as needed, resulting in a positive atmosphere

 

youth pastor, 08/2001 c 03/2007

first baptist church of copeville, copeville, tx        

         conducted ongoing discipleship plans and evangelistic programs and perform other spiritual functions associated with beliefs and practices of religious faith or denomination.

         provided spiritual and moral guidance and assistance to junior high and high school students.

 

consumer banker, 11/2000 c 09/2001

bank of america, dallas, tx

         achieved several goals including top credit sales producer (texas) during june 2001, july 2001, and august 2001; secured a maximum customer service score in march 2001 through september 2001.

         skillfully surpassed all sales goals such as maximum sales payout in august 2001.  

         explained banking services available to prospective customers and assisted them in preparing application forms, serviced accounts and increased customers interest in other products.

         answered customers' questions, and explained available services such as deposit accounts and consistently met monthly sales/service goals.

         compiled information about new accounts, entered account information into computers, and filed related forms or other documents.

education

master of arts in biblical studies, 2008

dallas theological seminary, dallas, tx

 

bachelor of arts in philosophy, 2004

dallas baptist university, dallas, tx

 

 

 

 

 

<date>

 

<<first name>> <<last name>>

<<title>>

<<company>>

<<street address, suite #>>

<<city, state zip code>>

 

dear <<courtesy>> <<last name>>,

 

my experience in mortgage/loan underwriting and lending functions leads me to believe that i should become the next successful addition to <<company>> as a <<position>>. as you review my career history as demonstrated in the attached r sum , you are sure to see my familiarity with all aspects of the necessary tasks to perform the duties of the position in excellence. professionalism and tact effectively combine with my education and expertise to produce a strong candidate that delivers undeniable results.

 

a few of my most important qualifications consist of interacting with several clients with a direct focus on increasing the bottom line; exhibiting such vivid leadership abilities that i remain success in my career.

 

my ability to communicate effectively both verbally and in writing combines with an in depth responsible for my own professional development, the growth of employees i train, and the effective implementation of decisions that directly affect the bottom line and revenue goals. as a loan processor & underwriter, it was my duty to correctly compile and maintain loan documents and confidential records with relation to securing a mortgage for commercial/residential properties. my expertise lends to my ability to exercise initiative and work independently when necessary and call forth the efforts of an organized team when necessary. my career progression has required applying sound judgment, discretion and establishing priorities accordingly. my success derives from the consistency of creating lasting relationships with customers, staff, and others i meet daily. even when collaborating with other professionals my goal is always to achieve maximum motivation, teamwork, and efficacy.

 

my aptitude for evaluating complex problems and reviewing related information to develop viable solutions would be of great use to your organization. let s discuss how my skills can help in meeting the goals and objective of your organization. until then, should you have any additional questions feel free to contact me at your convenience.

 

sincerely,

 

 

 

 

yyyyyy x. yyyyyy

enclosure