Mortgage Underwriter Resume Sample

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Sarah Davies
Mortgage Underwriter

Experienced Mortgage Underwriter ensuring sound lending decisions and risk mitigation.

[email protected]
+44 7911 123456
linkedin.com/in/sarahdaviesunderwriter

Highly accomplished and detail-oriented Mortgage Underwriter with 9 years of progressive experience in the UK lending sector. Proven expertise in assessing complex residential and commercial mortgage applications, ensuring strict adherence to regulatory guidelines (FCA, PRA) and internal credit policies. Adept at conducting thorough risk analysis, financial statement review, and property valuation assessment to facilitate sound lending decisions. Committed to maintaining high service standards, collaborating effectively with brokers and sales teams, and contributing to portfolio quality and growth. Seeking to leverage extensive underwriting knowledge and analytical acumen to excel in a challenging senior role.

Work Experience
Nationwide Building Society - London, UK

Senior Mortgage Underwriter July 2019 to Present 7 years

Managed a portfolio of high-value and complex residential and buy-to-let mortgage applications, consistently exceeding monthly targets by 15%. Conducted in-depth credit analysis, income verification, and property valuation reviews, ensuring robust risk assessment. Mentored junior underwriters, providing guidance on complex cases and policy interpretation, improving team efficiency by 10%. Collaborated with sales and risk departments to refine underwriting policies and procedures, reducing average processing time by 5 days. Ensured strict compliance with FCA regulations, TCF principles, and internal lending criteria, maintaining a low error rate of <1%.
Lloyds Banking Group - Manchester, UK

Mortgage Underwriter September 2014 to June 2019 4 years & 10 months

Assessed and approved mortgage applications for a diverse range of clients, including first-time buyers and remortgages.
Performed comprehensive financial analysis, including debt-to-income ratios and loan-to-value calculations.
Identified and mitigated potential risks associated with loan applications, escalating complex cases to senior management.
Maintained strong relationships with mortgage brokers, providing clear communication and timely updates on application status.
Contributed to a team that consistently met service level agreements (SLAs) for application turnaround times.
Key Achievements
Underwriter of the Year Nominee
Nominated for 'Underwriter of the Year' at Nationwide Building Society in 2022 for exceptional performance in complex case resolution and maintaining high quality standards.
Process Improvement Initiative
Led an initiative to streamline the income verification process, resulting in a 15% reduction in average application processing time for complex self-employed cases.
Professional Development Courses
Advanced Risk Management in Lending

Chartered Institute of Bankers in Scotland (January 2021 to March 2021)

Completed an intensive course focusing on advanced techniques for identifying, assessing, and mitigating credit and operational risks in mortgage lending.
Certifications
Certificate in Mortgage Advice and Practice (CeMAP)

The London Institute of Banking & Finance (LIBF) (March 2015 to September 2015)

  • https://www.libf.ac.uk/qualifications/mortgage-advice-and-practice-cemap
Achieved full CeMAP qualification, covering UK financial regulations, mortgage products, and the application process.
Education
University of Manchester

BSc (Hons) (September 2011 to June 2014)

Focused on financial markets, risk management principles, corporate finance, and economic analysis relevant to the banking sector.
Technical Skills
  • Mortgage Origination Systems (MOS)
  • Credit Risk Analysis
  • Regulatory Compliance (FCA/PRA)
  • Financial Statement Analysis
  • Property Valuation Assessment
  • Loan-to-Value (LTV) Calculation
  • Debt-to-Income (DTI) Analysis
  • Microsoft Office Suite
  • CRM Software
  • Anti-Money Laundering (AML)
Langauges
English (UK)
Native
French
Intermediate
Personal Info
Location
London, UK
Nationality
British
Marital Status
Single
Notice Period
1 Month
Gender
Female
Date of Birth
1993-03-15
Activities & Interests
Ice Skating
Horse Riding
Baby
Basket Ball
Family
Personal Skills
Analytical Thinking
Decision Making
Risk Management
Attention to Detail
Effective Communication
Problem Solving

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