Consumer Loan Underwriter resume examples for 2025
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How to write a consumer loan underwriter resume
Craft a resume summary statement
A resume summary is your opening statement that highlights your strongest skills and top accomplishments. It is your chance to quickly let recruiters know who you are professionally - and why they should hire you for the consumer loan underwriter role.
Step 1: Mention your current job title or the role you're pursuing.
Step 2: Include your years of experience in consumer loan underwriter-related roles. Consider adding relevant company and industry experience as relevant to the job listing.
Step 3: Highlight your greatest accomplishments. Here is your chance to make sure your biggest wins aren't buried in your resume.
Step 4: Again, keep it short. Your goal is to summarize your experience and highlight your accomplishments, not write a paragraph.
Hiring managers spend under a minute reviewing resumes on average. This means your summary needs to demonstrate your value quickly and show why you are the perfect fit for the consumer loan underwriter position.Hi, I'm Zippi, your job search robot. Let me write a first draft of your summary statement.
List the right project manager skills
Many resumes are filtered out by hiring software before a human eye ever sees them. A robust Skills section can let recruiters (and bots) know you have the skills to do the job. Here is how to make the most of your skills section:
- You often need to include the exact keywords from the job description in your resume. Look at the job listing and consider which of the listed skills you have experience with, along with related skills.
- Include as many relevant hard skills and soft skills as possible from the listing.
- Use the most up to date and accurate terms. Don't forget to be specific.
Here are example skills to include in your “Area of Expertise” on a consumer loan underwriter resume:
- Financial Statements
- Loan Applications
- Strong Analytical
- Credit Reports
- Credit Decisions
- Compliance Reviews
- Performance Feedback
- Business Tax Returns
- Origination
- Consumer Loans
- Income Analysis
- Credit Risk
- Investor Guidelines
- FHA
- Partnerships
- Credit Policy
- Underwriting Guidelines
- Credit Worthiness
- Loan Decisions
- Debt Ratios
- Mortgage Loans
- Confidential Material
- FNMA
- LIS
- Underwriting Policies
- Loan Products
- Loan Processors
- Bank Secrecy Act
- Automated Underwriting
- Cash Flow
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How to structure your work experience
Next you should include your work experience. Structure your work experience section by listing your most recent experience first, followed by earlier roles in reverse chronological order.
Start with your job title, company name, city, and state on the left. Align dates in month and year format on the right-hand side.
Include only recent, relevant jobs. Avoid including work experience over 20 years to avoid ageism.
Beneath each job, you should have bullet points to emphasize why you're the perfect fit for the consumer loan underwriter.
How to write consumer loan underwriter experience bullet points
Your resume is not a list of responsibilities or a job description. Instead, it is your chance to show your accomplishments and show why you're good at what you do.
- Use the What, How, and Why format. Answering these questions turns a bland job description into an effective showcase of your abilities.
- What were your responsibilities or goals?
- How did you accomplish them?
- Why were your results important? (How did it impact your company? Can you quantify the results in numbers? )
Here are effective examples from consumer loan underwriter resumes:
Work History Example #1
Junior Underwriter (Part-Time)
Prime Mortgage
- Managed and coordinated quality assurance process for real estate and loan files with borrowers, escrow offices and lenders.
- Reviewed applications for underwriting approval or recommend denial based upon lack of set standards.
- Worked with underwriting to determine eligibility, contacted borrowers to obtain necessary documentation needed per Freddie Mac and Fannie Mae guidelines.
- Audited escalated loan files; reviewed AUS fingings and underwriter conditions.
- Prepared written rationalization for underwriting decision of Credit and Income Approval/Approve/Decline based loan documents received and product/program guidelines.
Work History Example #2
Loan Officer
Sweetwater Sound
- Researched travel itineraries or updated reservations and travel documents and rescheduled travel reservations when necessary.
- Audited and insured FHA reverse mortgage loans, provided alternate funding, provided quality assurance on all client services.
- Processed Conventional, FHA/FHA Rehabilitation, VA, Oregon Bond, USDA, ODVA, and Reverse Mortgages
- Managed payroll and benefits for Jr. Loan Officers.
- Reviewed applications and requested additional supporting documents from borrowers, loan agents, real estate agents, title and escrow companies.
Work History Example #3
Consumer Loan Underwriter
JPMorgan Chase
- Reviewed approval conditions for accuracy and structuring loans according to policy requirements and credit quality.
- Restructured approximately 40% of turned-down loans for subsequent approvals, utilizing knowledge of company products.
- Improved satisfaction scores by providing innovative and timely solutions to escalated customer complaints.
- Reviewed FHA, VA, and Conventional Correspondent loans to ensure their salability.
- Conducted customer income and asset analysis.
Work History Example #4
Loan Processor
Wells Fargo
- Audited and examined conventional and FHA loan documents prior to funding to ensure 100% accuracy, credit and regulatory compliance.
- Experienced in processing conforming and non conforming loan products, including data analysis and validation for FHA and Conventional Loans.
- Provided counseling leading into the appropriate alternative to foreclosure, while remaining within investor and corporate guidelines.
- Managed a pipeline of 20-40 customers simultaneously from mortgage application through closing.
- Delivered positive customer service for home equity borrowers through exemplary communication and cooperation with both internal and external partners.
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Add an education section to your resume
The education section should display your highest degree first.
Place your education section appropriately on your resume. If you graduated over 5 years ago, this section should be at the bottom of your resume. If you just graduated and lack relevant work experience, the education section should go to the top.
If you have a bachelor's or master's degree, do not list your high school education. If your graduation year is more than 15-20 years ago, it's better not to include dates in this section.
Here are some examples of good education entries for resumes:
Bachelor's Degree In Business
San Jose State University, San Jose, CA
2003 - 2006
Highlight your consumer loan underwriter certifications on your resume
Certifications can be a crucial part of your resume. Many jobs have required certifications.
Include the full name of the certification, along with the name of the issuing organization and date of obtainment.