Underwriter Resume Example (2026 Guide)
Underwriter resume example
A complete sample in the Modern template FitMyRole exports. The person and employers are fictional; the structure, skills and bullet style are what to copy.
Lakshmi Venkataraman
[email protected] • (555) 016-2093 • Dallas, TX • linkedin.com/in/lakshmivenkataraman
Professional Summary
Senior Mortgage Underwriter with 13 years in residential lending, 11 of them underwriting conventional, FHA, VA and jumbo loans against agency, investor and internal credit policy. Underwrites 70 to 85 files a month under $2M delegated approval authority and has held a post-closing quality control defect rate under 1% for three straight years. Leads exception review for a team of nine underwriters, writes the guideline bulletins the team works from and owns the 48-hour turn-time SLA that loan officers are promised. Reads every file for layered risk across credit, income stability and collateral, then documents each decision so an investor or auditor can follow it.
Skills
- Mortgage Underwriting: Conventional, FHA, VA, USDA, jumbo, non-QM, condominium project review, manual underwriting, delegated approval authority
- Credit & Risk Analysis: Credit analysis, layered risk assessment, debt-to-income, loan-to-value, self-employed income analysis (Form 1084, Schedule C, K-1), fraud red flags
- Guidelines & Policy: Fannie Mae Selling Guide, Freddie Mac Seller/Servicer Guide, HUD Handbook 4000.1, VA Lender’s Handbook, investor overlays, exception approvals
- Automated Underwriting & Systems: Desktop Underwriter (DU), Loan Product Advisor (LPA), FHA TOTAL Scorecard, Collateral Underwriter, Encompass, LoanBeam, The Work Number
- Compliance & Quality: ATR/QM, TRID, HMDA, post-closing QC, defect remediation, repurchase prevention, SLA and turn-time management
- Leadership: Exception review, second-level review, underwriter training, guideline bulletins, queue management, scenario desk
Education & Certification
- Coursework focus: Real Estate Finance, Credit Analysis, Financial Statement Analysis and Business Statistics.
- Authorized to underwrite and approve FHA-insured loans under the lender’s DE authority.
Work Experience
Senior Mortgage UnderwriterApril 2019 – PresentTrinity Oak Mortgage, Dallas, TX
- Underwrite 70 to 85 conventional, FHA, VA and jumbo files a month under $2M delegated approval authority, with a post-closing QC defect rate of 0.6% from 2023 through 2025.
- Held a 48-hour initial turn time on 94% of submissions in 2025 by splitting the queue by loan type and taking every jumbo and non-QM file so three newer underwriters could clear agency loans faster.
- Cut suspended files from 11% to 4% of submissions by writing a pre-underwriting checklist with processing that catches missing income, asset and credit documents before a file reaches the queue.
- Lead weekly exception review for a team of nine underwriters, approving or declining compensating-factor requests against credit policy and recording each decision for investor audits.
- Stopped $3.4M in loans with misrepresented income or occupancy in 2024 by matching IRS tax transcripts, The Work Number and bank statements, and referred each case to the fraud team before closing.
- Wrote 22 guideline bulletins that turn Fannie Mae, Freddie Mac and FHA policy changes into one-page summaries, now the team’s standard reference after each agency update.
- Trained six new underwriters on self-employed income analysis using Form 1084 and LoanBeam, halving their second-level review corrections within their first 90 days.
Mortgage UnderwriterJune 2015 – March 2019Bluebonnet Federal Credit Union, Fort Worth, TX
- Underwrote 50 to 60 first mortgage and home equity files a month for portfolio and agency sale, keeping approval decisions inside the 72-hour member SLA.
- Earned FHA Direct Endorsement and VA SAR authority within three years, adding government lending to the credit union’s products and underwriting its first 140 FHA and VA loans.
- Held investor repurchase requests to zero in 2017 and 2018 by adding a pre-close review of income calculations and appraisal conditions on every loan sold to Fannie Mae.
- Reviewed appraisals with Collateral Underwriter risk scores, issuing conditions on comparable selection and adjustments for about one in eight files before approval.
- Answered structuring questions for 12 loan officers at a twice-weekly scenario desk, approving loan structures before application so members were not declined late.
Loan ProcessorJune 2013 – May 2015Redbud Home Loans, Plano, TX
- Processed 25 to 30 loans a month from application to clear to close, ordering appraisals, title, verifications of employment and flood certifications in Encompass.
- Kept 92% of files on schedule for contract closing dates by tracking open conditions in a daily pipeline report shared with loan officers and the closing team.
- Prepared income and asset worksheets that underwriters accepted without rework on over 90% of files, the foundation for moving into underwriting in 2015.
- Cut average condition-clearing time from four days to two by resolving title, appraisal and hazard insurance issues directly with outside vendors.
Want yours to read like this? Upload your resume and a job posting, and FitMyRole rewrites it for that job in this template.
Tailor my resumeWhy This Resume Works
- Delegated authority and the 0.6% QC defect rate appear in the first bullet, the two numbers a credit manager uses to decide whether an underwriter can be trusted with volume.
- The SLA bullet ("Held a 48-hour initial turn time on 94% of submissions") shows how speed and quality were balanced, which is the real tension in every underwriting job.
- Guidelines are named precisely (Fannie Mae Selling Guide, HUD Handbook 4000.1, VA Lender’s Handbook), matching how underwriter postings list required knowledge and how an ATS searches for it.
- The fraud bullet names the documents compared to stop $3.4M in misrepresented loans, showing risk judgement instead of claiming it.
- FHA Direct Endorsement and VA SAR approvals are listed as dated certifications, because many underwriting postings screen for them before anything else.
Common Resume Mistakes
- No volume or quality metrics.
- Missing guideline or risk keywords.
- Vague "underwrote loans" without scale.
Keywords Recruiters Look For
- Underwriting
- Credit
- Risk
- Guidelines
- Mortgage
- Approval
- Policy
- SLA
Get more interviews. Tailor your resume automatically
Want to tailor your resume to the job you want? Use FitMyRole to analyze your resume and rewrite it for the role. Before sending your next application, run your resume through FitMyRole to tailor it to the job description.
Try FitMyRole free