How to Create a Mortgage Underwriter Resume (Including Tips)

By Indeed Editorial Team

Published April 9, 2022

The Indeed Editorial Team comprises a diverse and talented team of writers, researchers and subject matter experts equipped with Indeed's data and insights to deliver useful tips to help guide your career journey.

As a mortgage underwriter, you approve people to get a loan to buy a home based on their financial history and credit. When putting together a resume for a position as a mortgage underwriter, it's crucial to include details about any underwriting knowledge and analytical proficiencies in your resume. Learning how to write a strong resume can help you obtain an underwriting position or advance your career.

In this article, we discuss what a mortgage underwriter's resume is, why having one is essential, what to include, how to write a resume for a mortgage underwriter, and share tips for writing one.

Read more: How to Become a Mortgage Underwriter in 5 Steps

What is a mortgage underwriter resume?

A mortgage underwriter resume is a record that has the experience and skills involved in the mortgage underwriting process and loan approval. Your resume is one piece of the application package, and you can also include your mortgage underwriter cover letter and letters of recommendation along with the resume.

Candidates can use a resume to submit applications to financial institutions, like credit unions and banks or apply for positions with investment companies or insurance agencies. Having a solid resume can help hiring managers decide if you are the candidate they are looking for.

Related: How to Become an Underwriter (With Salary and Skills)

Why is a resume for a mortgage underwriter important?

It's vital for mortgage underwriters to have a resume that shows their qualifications in underwriting and real estate. As a mortgage underwriter, you can use your resume to advance your career in your field or to find a new position with a different company. You can also use your resume to apply for internal promotions at your organization, like advancing to a post in management or becoming a supervisory underwriter.

What to include in a mortgage underwriter resume

Here are some features you can include in your mortgage underwriter resume to emphasize your qualifications for the position:

  • Contact information: Indicate your full name, phone number, and professional email address so prospective employers can contact you about the position.

  • Work experience: List all of your former experience in mortgage underwriting. Indicate the name of the company you worked for and the underwriting duties you performed. You can include positions that are related to insurance underwriting or home loans.

  • Educational background: Some employers prefer mortgage underwriters with a diploma or bachelor's degree in a finance-related field.

  • Certifications: Your potential employer may require their mortgage underwriters to have specific credentials. When listing your certifications, make sure you include the title of the certification and the name of the institution that issued it.

  • Skills: Be sure to include essential skills that underwriters use while doing their job, like communication and mathematics.

Read more: Resume Format Guide (With Tips and Examples)

How to write a resume for a mortgage underwriter

You can use the following steps to help you write a successful resume:

1. Select a resume format

It's essential to select a resume format that fits you best. Professionals with vast experience in mortgage underwriting may choose a chronological resume format. When you put together a chronological resume, you provide an objective statement, followed by information about your work experience, education, and skills. This format highlights your work experience.

If you don't have much experience in mortgage underwriting yet, you may choose a functional resume format. The functional resume format puts a skills section at the top of your resume, followed by information about your work experience and education. Templates for resumes are available online, allowing you to fill in the data while they handle the layout. You can create your resume manually, and doing it this way provides you with more control over the format of the document and the content.

2. Include contact information

Be sure to include your full name, email address, phone number and location at the top of your resume. Proving your contact information allows hiring managers to connect with you to book an interview for a mortgage position if they are interested in pursuing you as a prospective candidate. You may consider adding a link to your professional networking website if you feel it can provide additional information.

3. Include an objective statement

Your objective statement provides insight into your mortgage underwriting experience, skills, and professional aspirations. Attempt to create an objective statement that emphasizes your qualifications and shows that you can benefit the organization. Here are some examples of objective statements:

  • Detail-oriented mortgage underwriter with four years of experience in credit analysis and loan assessment, looking to provide well-organized loan acceptance services to clients dealing with the homeownership process.

  • Knowledgeable mortgage underwriter with an eight-year background in loan package reviews and risk assessment, seeking to provide proficiency on government-issued loans and underwriting requirements.

Related: What Is a Career Objective?

4. Include work experience

Adding your work experience allows you to highlight prior positions in mortgage underwriting that you have had. Provide the name of the organization you worked for, the job you held, your employment start date and end date, and the underwriting duties you performed while there. Try to include five to six responsibilities, along with one or two achievements, to show your talents and abilities in underwriting.

5. Put in details about your education

Include details about your education, including the name of the school you attended, the year you graduated, and additional information about your degree. You can state the degree you received and your major focus of study. You may also include any coursework or extracurricular activities you completed related to mortgage underwritings, such as business and finance courses.

6. Provide information on your certifications

When you list your mortgage underwriting certifications, it can help you compete with other professionals in the underwriting field. Be sure to include the title of the certification, the name of the institution you received it from and the date you achieved it. If you have completed more than one certification, you can use bullet points to produce a well-formatted list.

7. List your skills

The last section of your resume lists the skills you possess to help you complete your underwriting duties. Your skills may include communication skills that help you interact with your clients. Underwriting-based skills also allow you to review underwriting and lending guidelines and establish loan eligibility precisely.

Tips to consider when writing a mortgage underwriter resume

Here are some tips to consider when writing your mortgage underwriter resume:


Proofread your resume several times before submitting your application. Proofreading helps identify problems that make your resume difficult for hiring managers to read and understand. To be sure you find all the spelling errors or formatting issues, ask a friend or colleague to review your resume.

Include underwriting keywords

When writing your resume, include keywords that can get noticed by hiring managers. Insert the keywords throughout your work experience section to illustrate that you are familiar with essential underwriting processes and topics. Some examples of mortgage underwriting keywords include:

  • credit analysis

  • mitigation

  • document review

  • mortgage approval

  • risk assessment

  • tax preparation

Update your resume regularly

Update your resume regularly with updated skills and experience that you may have gained. Updating your resume gives employers an accurate view of your skill set. Depending on the certifications you have earned, you may be required to recertify after a specific number of years, so it's essential to update your resume to reflect your most recent certification dates.

Underwriter resume template

Here is a template for an underwriter resume to help guide you:

[Full name]
[Phone number]
[Email address]
[Link to your page on a professional networking website]

Objective statement
[A one or two-sentence summary of your mortgage underwriting experience, skills, and goals]

[Organization name]
[Position title]
[Start date - end date]

  • [Description of underwriting duties]

  • [Description of underwriting duties]

  • [Description of underwriting duties]

[Organization name]
[Position title]
[Start date - end date]

  • [Description of underwriting duties]

  • [Description of underwriting duties]

  • [Description of underwriting duties]

[Institution name] [Year of Graduation]
[Type of degree] in [Major]

  • [Description of coursework or extracurricular activity]

  • [Description of coursework or extracurricular activity]
    [Title of certification] received from [Name of certifying organization] on [Date]


  • [Skills associated with mortgage underwriting]

  • [Skills associated with mortgage underwriting]

  • [Skills associated with mortgage underwriting]

Underwriter resume example

Here's a sample of an underwriter resume:

Tina Parchment
(555) 745-4321
New York, NY

Objective statement

Motivated mortgage underwriter with six years of experience accepting traditional mortgage loans, seeking to develop my skills by providing assistance for nonconforming loans and loan documentation.


Chatha Insurance Agency
Mortgage underwriter, May 2019-current

  • Communicate with clients regarding eligibility issues

  • Maintain close attention to detail throughout the underwriting process

  • Ensure clients meet loan eligibility requirements

  • Provide loan documentation to management for approval

  • Analyze previous credit history to determine loan eligibility

Brindle Mortgage Loans
Underwriting assistant, February 2015-May 2019

  • Submitted loan requests to meet eligibility requirements

  • Evaluated credit history of potential borrowers

  • Performed risk assessment procedures for client funds

  • Remained updated on underwriting requirements


North College, 2015
Bachelor's degree in finance

  • Completed 50+ hours of coursework in loan processing and underwriting requirements

  • Member of North College Finance Club


  • Certified Residential Underwriter received from the Home Finance Bankers Association in 2018


  • Decision-making

  • Loan processing experience

  • Knowledge of underwriting requirements

  • Problem Solving

  • Communication

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