Structure of a Mortgage Underwriter Resume
A senior loan underwriter resume should be clear, concise, and professionally formatted. The ideal structure includes the following sections:
1. Header
The header should contain your full name, phone number, email address, and LinkedIn profile (if applicable). Ensure that your email address is professional.
Example:May
(123) 456-7890
May@email.com
linkedin.com/in/May
2. Professional Summary
This is a snapshot of your career, typically 3-4 sentences that can serve as your resume summary, summarizing your experience, key skills, and what you bring to the table.
Example:3. Key Skills
List 8-10 core competencies that are directly relevant to mortgage underwriting. Use bullet points to make them easily scannable.
Example:- Risk Assessment
- Credit Analysis
- Mortgage Loan Processing
- Regulatory Compliance (FHA, VA, USDA)
- Financial Documentation Review
- Automated Underwriting Systems (AUS)
- Customer Communication
- Encompass, Calyx Point, DU, and LP
- Decision Making
- Time Management
4. Professional Experience
This section should take up the bulk of the resume. Use reverse-chronological order to list your job history. For each position, include:
- Job title
- Company name
- Location
- Dates of employment
- Bullet points highlighting your achievements and responsibilities
Example:Senior Mortgage Underwriter
XYZ Financial Services, New York, NY
June 2018 – Present
- Underwrote FHA, VA, and conventional loans averaging $30M monthly in volume.
- Conducted in-depth reviews of credit reports, income documentation, and asset verification.
- Worked closely with loan officers and processors to resolve issues and expedite approvals.
- Ensured 100% compliance with state and federal lending regulations.
- Trained and mentored five junior underwriters.
Mortgage Underwriter
ABC Mortgage Corp., Newark, NJ
March 2014 – May 2018
- Reviewed and analyzed residential loan applications for risk and eligibility.
- Utilized DU and LP automated underwriting systems for decision support.
- Maintained a 95% approval accuracy rate audited by QA teams.
- Collaborated with compliance teams to maintain up-to-date knowledge of underwriting policies.
5. Education
List your highest relevant degrees first. Include the degree, field of study, institution name, and graduation year.
Example:Bachelor of Science in Finance
Rutgers University, New Brunswick, NJ
Graduated: 2013
6. Certifications and Licenses
Certifications add credibility to your resume and demonstrate a commitment to financial professional development.
Common Certifications:
- Certified Residential Underwriter (CRU)
- Certified Mortgage Underwriter (CMU)
- FHA Direct Endorsement (DE) Underwriter Certification
Example:7. Technical Skills
Highlight the mortgage software and tools you are proficient in. Many employers use applicant tracking systems (ATS), so include relevant keywords.
Example:- Encompass
- Calyx Point
- DU (Desktop Underwriter)
- LP (Loan Prospector)
- Microsoft Office Suite (Excel, Word, Outlook)
8. Professional Affiliations (Optional)
If you are part of any professional organizations, include them here.
Example:Member, Mortgage Bankers Association (MBA)
Member, National Association of Mortgage Underwriters (NAMU)
Mortgage Underwriter Resume Examples
Example 1:
Johnathan M. Walker
Ph: (555) 123-4567 || john.walker@email.com
linkedin.com/in/johnmwalker
Dallas, TX
Professional Summary
Highly analytical and detail-driven Mortgage Underwriter with over 10 years of experience in evaluating high-volume loan applications, including financial statement analysis, and ensuring adherence to regulatory standards. Adept in underwriting FHA, VA, and conventional loans using DU/LP systems and Encompass. Proven track record of reducing processing time while maintaining a 98% compliance rate. Strong communicator with a commitment to maintaining integrity in credit decisioning and customer service.
Key Skills
- Credit and Risk Analysis
- FHA, VA, USDA, and Conventional Loans
- Automated Underwriting Systems (DU, LP)
- Regulatory Compliance (TRID, HMDA)
- Loan File Documentation
- Income & Asset Verification
- Encompass, Calyx Point
- Fraud Detection & Mitigation
- Training & Mentoring
- Time Management & Organization
Professional Experience
Senior Mortgage Underwriter
Summit Home Lending, Dallas, TX
June 2018 – Present
- Underwrite an average of 35 loans per month totaling over $20M in volume.
- Evaluate borrower financial documents, credit, and appraisal reports to determine loan eligibility.
- Collaborate with processors and loan officers to ensure files are complete and meet investor guidelines.
- Spearheaded implementation of a new automated workflow system, improving loan decision time by 22%.
- Maintain consistent 97–99% loan accuracy rate in quality audits.
Mortgage Underwriter
BlueStar Mortgage Corp., Austin, TX
March 2014 – May 2018
- Processed and underwrote conventional, FHA, and VA loans across multiple state jurisdictions.
- Successfully trained five junior underwriters, improving team productivity by 15%.
- Reduced file turnaround time by streamlining the document review checklist.
- Kept abreast of changing federal underwriting guidelines and adjusted internal protocols accordingly.
Junior Underwriter / Loan Processor
Capstone Lending Group, Houston, TX
July 2011 – February 2014
- Supported senior underwriters by gathering and verifying borrower documentation.
- Pre-screened applications for eligibility before full underwriting.
- Maintained open communication with clients to resolve pending issues and clarify requests.
- Promoted to Junior Underwriter after 18 months due to excellent performance and attention to detail.
Education
Bachelor of Science in Finance
University of Texas at Austin — Austin, TX
Graduated: 2011
Certifications
- Certified Mortgage Underwriter (CMU) – NAMU, 2016
- FHA Direct Endorsement Underwriter – HUD, 2018
- VA SAR/LAPP Certified – Department of Veterans Affairs, 2020
Technical Skills
- Encompass, Calyx Point, DU, LP
- Microsoft Excel, Word, Outlook
- Loan Origination Systems (LOS)
- Adobe Acrobat Pro
- CRM Tools (Salesforce, Velocify)
Professional Affiliations
- Member, Mortgage Bankers Association (MBA)
- Member, National Association of Mortgage Underwriters (NAMU)
Example 2:
Mary John
(312) 555-8290 | Mary@email.com| linkedin.com/in/emmasanchezuw | Chicago, IL
Professional Summary
Dedicated and detail-oriented Mortgage Underwriter with over 6 years of experience in residential and small commercial loan underwriting. Skilled in evaluating borrower creditworthiness, analyzing financial data, and ensuring regulatory compliance. Adept in both manual and automated underwriting systems with a strong focus on accuracy and timeliness.
Key Skills
- Credit Risk Evaluation
- FHA, VA, and Conventional Loans
- Manual and AUS Underwriting (DU/LP)
- Income and Asset Review
- Regulatory Compliance (TRID, QM/ATR)
Professional Experience
Underwriting Associate / Loan Analyst
GreenGate Mortgage Group, Naperville, IL
June 2016 – Present
- Analyzed borrower files for risk indicators and made recommendations to underwriters for approval/denial.
- Completed pre-underwriting reviews of financial statements, tax returns, and appraisals.
- Supported team transition to Encompass LOS and led staff training initiative.
- Promoted from Loan Processor after 18 months due to exceptional accuracy and teamwork.
Education
Bachelor of Business Administration (BBA) – Major: Finance
DePaul University, Chicago, IL
Graduated: 2015
Certifications
- Certified Residential Underwriter (CRU) – NAMU, 2020
- FHA DE Underwriter Certification – In Progress (Expected 2025)
Technical Skills
- Encompass, DU, LP, Calyx Point
- Microsoft Office (Excel, Word, Outlook)
- Adobe Acrobat Pro, DocuSign
- Google Workspace Tools
Professional Affiliations
- Member, Illinois Mortgage Bankers Association
- Member, National Association of Mortgage Underwriters (NAMU)
Tips for Writing Your Mortgage Underwriter Resume
- Tailor Your Resume: Customize your resume for each job you apply for by aligning your skills and experience with the job description.
- Use Action Verbs: Begin each bullet point with a strong verb such as "Analyzed," "Implemented," "Directed," or "Collaborated."
- Quantify Achievements: Whenever possible, include numbers to show your impact (e.g., "Approved $50M in loans monthly").
- Keep It Professional: Use a clean, easy-to-read format with consistent font and spacing.
- Proofread: Errors in grammar or spelling can undermine your credibility. Always double-check your resume.
Conclusion
A mortgage underwriter's resume should be a strategic narrative that communicates your skills, accomplishments, and potential. By following the structure and tips provided in this guide, you can craft a resume that not only passes through applicant tracking systems but also captures the attention of hiring managers.
