10 Loan Underwriter Resume Examples for 2024

For those seeking positions as loan underwriters, this article provides strong resume examples and strategic advice. Learn which skills to highlight, how to format your resume effectively, and words to use to catch a hiring manager’s eye. The guide is designed to help you present a clear, concise, and impressive professional profile.

  Compiled and approved by Liz Bowen
  Last updated on See history of changes

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At a Glance

Here's what we see in the best loan underwriter resumes.

  • Show Impact With Numbers: Show how you increase time savings, reduce customer support issues, or improve loan approval rates. Common metrics are loan approval rates, time to decision, loan portfolio quality, and revenue growth.

  • Mention Relevant Skills: Include skills on your resume that you have and are mentioned on the job description. Some popular ones are credit analysis, risk assessment, financial modeling, automated underwriting systems, and loan portfolio management. But don't include all of them, choose the ones you have and are mentioned in the JD.

  • Experience Level Matters: For senior roles, show team leadership or project management. For junior roles, focus on internships or entry-level jobs.

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Education placement on resume

When you are preparing your resume for a loan underwriter position, place your education section near the top if you are newly graduated or have recently completed relevant additional courses. This helps hiring managers understand your current focus and the recent investment you have made in your skills. If you have been in the workforce and your experience is more reflective of your qualifications for the role, put your education after your work experience.

For a loan underwriter, it is good to show completion of a finance, economics, or business degree since this shows a strong foundation in the principles required for the job. If you have any certifications such as the Certified Mortgage Underwriter program or similar, list these prominently. They are specific to your role and can set you apart from other candidates. Remember to keep it simple and clear, making it easy for hiring managers to see your qualifications without searching for them.

Showcase analytical skills

As a loan underwriter, analytical skills are key. Highlight projects where you analyzed financial data to make decisions. This shows your ability to assess risk and manage large amounts of information.

If you have used any specific software for underwriting, mention it. Proficiency in tools like Excel or specialized loan underwriting software can set you apart from other candidates.

Ideal resume length

For loan underwriters with less than a decade of experience, aim to condense your resume into one page. This helps you focus on highlighting your most relevant skills and work history. Include your proficiency with financial software and your ability to assess risk, as these are critical in this role.

If you have over ten years of experience or are applying for a senior-level position, a two-page resume can be suitable. Use the extra space to detail your extensive experience in credit analysis and your track record of accurate risk evaluation. Remember, clarity is key. Make sure your resume is easy to read and the most compelling information is on the first page.

Demonstrate attention to detail

Attention to detail is very important in this role. Showcase examples where your careful review prevented errors or identified important trends in financial data.

Precision in documentation is also crucial. Emphasize any experiences where thorough documentation or reporting was essential to your role.

Beat the resume screener

In your loan underwriter resume, it is key to pass the first test: the Applicant Tracking System (ATS). This system scans your resume before a person sees it. To make sure your resume stands out, follow these tips:

  • Use keywords from the job description. For a loan underwriter, words like 'risk assessment', 'compliance', 'credit analysis', and 'loan applications' should appear in your resume. This shows you understand the job.
  • Make your experience clear. List your past work with details like 'analyzed financial statements' or 'managed loan portfolios'. This shows you have the skills needed for underwriting loans.

Keep the format simple. Use standard fonts and avoid tables or images that the ATS may not read. This helps ensure all your information gets seen.

Customize for the loan role

To make your resume stand out, focus on the specific skills and experiences that make you a good fit for a loan underwriter role. Show how you have used your abilities to make good decisions on loans. Use clear examples that are easy to understand. This will help employers see that you are ready for this job.

  • Highlight key risk assessment skills such as analyzing credit reports, calculating debt-to-income ratios, or reviewing appraisals.
  • Emphasize your decision-making successes, such as the number of loans you have approved or denied that led to strong outcomes.
  • If you are coming from a different career, show how your past work connects to underwriting. For example, if you used data analysis to make decisions, that is a skill you will use in this job too.
Bullet Point Samples By Job Title for Loan Underwriter
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Key skills for loan underwriters

You need to show you have the right skills for a loan underwriter job. Here is a list of skills you should consider. You may not need all of them, but pick those that fit your experience and the job you want.

  • Risk assessment
  • Financial analysis
  • Credit analysis
  • Regulatory compliance
  • Loan processing software
  • Detail-oriented
  • Decision-making
  • Underwriting guidelines
  • Documentation review
  • Data analysis tools

Include these skills in a separate section on your resume. This makes it easy for hiring managers and Applicant Tracking Systems (ATS) to see your qualifications. ATS is a tool that helps managers find good candidates. It looks for keywords like the ones above.

It is good to show numbers that prove your skill. For example, how much money you saved a company by finding a problem in a loan application. If you have worked with loan origination systems, name them. This shows you can start the job with less training.

Show leadership growth

When you're crafting your resume, it's crucial to highlight how you've stepped up in your role. If you've been a loan underwriter, consider moments where you've led a team or a project, or if you've been recognized for your work with a promotion.

Think about your experience in terms of:

  • Any roles where you've been in charge of others or led by example
  • Specific projects where you took the lead, especially if they involved critical decision-making or managing risk

Here are ways to frame your experiences:

  • Mention any title changes, like moving from 'junior underwriter' to 'senior underwriter', to show a clear path of advancement
  • Include achievements that reflect leadership qualities, such as 'Led a team of 5 in assessing and approving high-value loans, resulting in a 20% growth in portfolio'

Quantify your impact

When you show your impact with numbers, you make your achievements clear and measurable. Metrics can highlight your ability to manage risk, assess financial documents, and contribute to the success of your team.

Consider these specific ways to quantify your experience:

  • Include the number of loan applications you assess daily or monthly to show your efficiency.
  • State the total value of loans you've underwritten to demonstrate the scale of your responsibility.
  • Show percentage reduction in processing time after you implemented a new system or practice.
  • Highlight loan default rates if you've contributed to lowering them through your thorough risk assessments.
  • Mention customer satisfaction scores if you've interacted with clients and improved their experience.
  • Detail any increase in approved loans while maintaining low default rates to show your balance between sales and risk management.
  • Report on compliance accuracy, for example, a 99% accuracy rate in documentation, showcasing your attention to detail.

Even if you're unsure about exact numbers, you can estimate based on your knowledge of your work. For example, if you know you process loans more quickly than your peers, you might estimate a 20% faster processing time. Just be ready to explain how you arrived at your estimate during an interview.

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