AMY SMITH
123 Main Street • Atlanta, Georgia • 30339
Home: (555) 555-1234, Cell: (555) 555-1235
asmith@sample~resume.com
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Objective: Seek the Position of Mortgage Analyst
SUMMARY: Exceptionally knowledgeable and goal-oriented Mortgage Analyst with huge background helping to analyze the collateral mix, credit risk, profitability and performance of organization's mortgage products; performing analysis to support mortgage product managers and senior management in making credit and pricing decisions.
Summary of Qualifications
More than six years experience.
In-depth knowledge of Excel pivot tables and OLAP cubes.
Solid understanding of basic statistics.
Great familiarity with logistic regression or survival models.
Excellent multi-tasking abilities and communication skills.
Solid knowledge of SQL and SAS.
Broad understanding of residential mortgage loans.
Detailed knowledge of processing, underwriting and closing procedures.
In-depth knowledge of conventional, government, and portfolio guidelines.
In-depth understanding of the computer loan application system.
Proven computer skills.
Knowledge of federal lending regulations governing residential real estate lending.
Demonstrated leadership and organizational skills.
Strong written and verbal communications skills.
Demonstrated teamwork and customer service skills.
Exceptional ability to analyze policies, procedures and guidelines in a way that maximizes productivity but protects the level of risk desired.
Professional Experience
Standard Mortgage Bank Inc., Minneapolis 2002 - Present
Mortgage Analyst
Manage pipeline of conventional, government, and portfolio loans.
Process all loans, including the most complex files.
Evaluate loan documentation and clear conditions as per delegated authority.
Achieve and maintain internal training and certification for underwriting decision and delegated authority.
Validate automated underwriting decision per delegated authority.
Maintain high level of customer service by being proactive in communicating with the borrowers and loan originators.
Ensure accurate, complete, and timely loan data on processing system.
Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
Responsible for appropriate section of HMDA Worksheet.
Review exception reports to ensure all tasks are completed.
Serve as an intermediary for loan issues with Loan Originators and other related departments.
Assist in training new hires.
Take active role as an escalation point within the team based on experience and knowledge.
Maintain knowledge of Fifth Third Mortgage Company's policies and procedures.
Solicited residential first mortgages through contacts with realtors, builders, and developers.
Provided service to customers and prospective customers seeking residential mortgage loans.
Interviewed applicants to develop information concerning their needs, desires, and earnings to assist in determining whether the loan will be an acceptable risk; obtained and analyzed pertinent financial and credit data.
Arranged for appraisals of residential properties and title searches, obtained necessary documents.
Approved or rejected loans, referring larger loans to senior officers or loan committee if applicable.
Followed current loans to ensure conformity with terms.
Negotiated terms and conditions of loan with mortgagors.
Kept informed of trends and developments in the local real estate market, as well as the changing rules and regulations pertaining to both private and government insured mortgages.
Called on potential or existing customers as assigned to develop new business or retain existing business.
Performed all other duties/special projects as assigned.
Education
Bachelor's Degree in Economics University of Minneapolis (2000)
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