Mortgage Banker Resume Guide

Mortgage bankers are responsible for originating, underwriting, and closing residential mortgage loans. They work with borrowers to find the best loan products to meet their needs and provide guidance throughout the loan process. Mortgage bankers must be well-versed in all types of loan programs and able to stay current on industry changes.

You have the financial expertise and industry experience that would make you an excellent mortgage banker. However, hiring managers are not yet familiar with your name or qualifications. To introduce yourself to them, you’ll need to write a resume that gets their attention.

This guide will walk you through the entire process of creating a top-notch resume. We first show you a complete example and then break down what each resume section should look like.

The guide is divided into sections for your convenience. You can read it from beginning to end or use the table of contents below to jump to a specific part.

Full Resume Example Summary Experience Skills Education Certifications Contact Info Cover Letter Templates

Mortgage Banker Resume Sample

Clifton Balistreri
Mortgage Banker

[email protected]
045-758-4195
linkedin.com/in/clifton-balistreri

Summary

Detail-oriented mortgage banker with 6+ years of experience in the financial industry. At XYZ, increased loan production by 25% while reducing processing time by 10%. Demonstrated ability to work under pressure and meet deadlines in a fast-paced environment. Experienced in FHA, VA, and conventional loans.

Experience

Mortgage Banker, Company ABC
Buffalo, Jan 2018 – Present

Represented the bank in real estate transactions, originating and processing mortgage loans while adhering to strict underwriting guidelines.
Originated an average of 10 mortgage loans per month, totaling over $1 million in value; facilitated the closing of 30% more loan applications than the department average.
Underwrote and approved loan packages for submission to senior management, ensuring that all documentation was complete and compliant with regulatory requirements.
Independently reviewed and evaluated borrower financial information to determine creditworthiness and eligibility for loan approval; recommended denial or further review on 5% of applications received.

Mortgage Banker, Company XYZ
Tempe, Mar 2012 – Dec 2017

Reorganized the mortgage department to streamline the loan process and reduce processing time by an average of 3 days per loan.
Reduced the number of rejected loan applications by 35% through more thorough initial screening and follow-up with applicants.
Funded over $5 million in loans per month, helping families achieve their homeownership dreams and contributing to the growth of the local economy.
Closed an average of 10 loans per week, adhering strictly to all banking regulations and ensuring a positive experience for each customer.
Diligently followed up with customers after closing to ensure satisfaction and address any questions or concerns they may have had about their new home purchase/mortgage loan process.

Skills

Mortgage Lending
Loans
Mortgage Banking
Refinance
Loan Origination
Credit
FHA
Residential Mortgages
Banking

Education

Bachelor of Science in Business Administration
Educational Institution XYZ
Nov 2011

Certifications

Mortgage Bankers Association
National Mortgage Bankers Association
May 2017

Related Resume Examples

All Examples

1. Summary / Objective

Your resume summary/objective is like an elevator pitch – it should briefly introduce you and your relevant experience, skills, and accomplishments.

In the mortgage banking industry, it is especially important to highlight any sales or origination goals you met or exceeded. You could also mention any specialized training or certifications you have in the field.

Below are some resume summary examples:

Seasoned mortgage banker with 15 years of experience in the financial services industry. Skilled in risk assessment, loan origination, and underwriting. Achieved a 97% customer satisfaction rating by providing clear and concise options to customers based on their unique financial situation. Seeking to join ABC Bank as a mortgage banker to continue providing excellent service and support to clients.

Enthusiastic mortgage banker with 5+ years of experience in the financial industry. Consistently ranked as a top performer at XYZ, where I originated and processed an average of $6 million in mortgage loans per month. Led a team of 8 loan officers and processors to close over $80 million in mortgage loans in Q4 2019, a company record. Experienced in all stages of the loan origination process, from pre-qualification to closing.

Well-rounded mortgage banker with 7+ years of experience in the financial services industry. Skilled at developing strong relationships with clients, providing personalized service, and expertly guiding them through the mortgage process from start to finish. In previous roles increased loan production by 23% and closed an average of 120 loans per month.

Hard-working mortgage banker with 7+ years of experience and a proven track record in originating, processing, and closing loans. At XYZ Mortgage Bank, increased loan volume by 30% through the development of new business relationships with real estate agents and builders. Recognized as a top performer for 4 consecutive years. Seeking to continue career growth at ABC Mortgage Bank where I can utilize my skills in risk management and loan servicing.

Diligent mortgage banker with more than 7 years of experience in the industry. At ABC Bank, increased loan application submissions by 21% and closed loans by 23%. Proven ability to develop strong relationships with clients and provide them with personalized mortgage solutions that fit their needs. Experienced in both conventional and government-backed loans.

Professional mortgage banker with 6 years of experience in the banking industry. Skilled at developing relationships with customers and providing them with personalized service to ensure a positive customer experience. Experienced in processing mortgage applications, disbursing loan funds, and performing loan servicing duties. Recognized as a top performer in the company for 3 consecutive years.

Committed mortgage banker with over 10 years of experience in the financial industry. Proven ability to provide excellent customer service while navigating clients through the mortgage process from start to finish. In previous roles, increased loan production by 25% and improved customer satisfaction ratings by 15%. Seeking to leverage strong interpersonal skills and knowledge of banking regulations to secure a position at ABC Bank.

Amicable mortgage banker with 4 years of experience in the industry and a proven track record of success. At XYZ Bank, increased loan production by 30% through developing new relationships with real estate agents, builders, and financial planners. Consistently recognized as a top performer; awarded “Banker of the Month” 3 times.

Driven mortgage banker with 8+ years of experience in the financial industry. Proven ability to provide excellent customer service and support throughout the loan process. Eager to join ABC Mortgage as a mortgage banker to utilize strong relationship-building skills to originate loans and grow the business. In previous roles, increased loan volume by 23% while maintaining a low delinquency rate of 0.34%.

2. Experience / Employment

In the experience section, you will provide details about your employment history. This should be written in reverse chronological order, so your most recent job is listed at the top.

When describing what you did in each role, use bullet points. This allows for quick and easy reading. When writing each point, focus on the specifics of what you did and the quantifiable results that were achieved.

For example, instead of saying “Helped people get mortgages,” you could say, “Successfully helped 100+ individuals obtain mortgage financing over a three-year period.”

To write effective bullet points, begin with a strong verb or adverb. Industry specific verbs to use are:

Arranged
Negotiated
Secured
Approved
Disbursed
Funded
Originated
Underwrote
Sold
Closed
Restructured
Reorganized
Automated
Streamlined
Customized

Other general verbs you can use are:

Achieved
Advised
Assessed
Compiled
Coordinated
Demonstrated
Developed
Expedited
Facilitated
Formulated
Improved
Introduced
Mentored
Optimized
Participated
Prepared
Presented
Reduced
Represented
Revised
Spearheaded
Structured
Utilized

Below are some example bullet points:

Spearheaded the development and implementation of a new customer service initiative that increased satisfaction ratings by 17%.
Introduced a new software application that streamlined the mortgage approval process, reducing processing time by 25%.
Approved over $1 million in residential mortgage loans per month on average, ensuring compliance with all bank regulations.
Actively participated in weekly sales meetings to discuss loan products, rate changes and industry news/updates with colleagues.
Negotiated favorable loan terms with borrowers while adhering to strict underwriting guidelines set forth by the bank.

Arranged and processed over 500 mortgage loan applications per month, ensuring that all required documents were complete and accurate.
Secured competitive interest rates for clients through expert negotiation with banks and other financial institutions.
Prepared detailed reports on the status of each loan application, updated clients regularly on progress, and offered guidance throughout the process.
Disbursed loan funds to borrowers in a timely manner while maintaining strict compliance with banking regulations.
Efficiently managed a portfolio of 200+ active loans, proactively addressing any issues that arose during the life of the loan.

Achieved a 98% loan approval rating by meticulously reviewing and verifying all customer documentation prior to submission.
Optimized the bank’s workflow by developing and implementing a new system for processing mortgage applications.
Meticulously reviewed and verified all customer documentation prior to submission, achieving a 98% loan approval rating.
Participated in weekly team meetings to discuss new leads, pipeline progress and potential problem areas; generated 10+ new leads per week on average.
Improved the bank’s workflow by developing and implementing a new system for processing mortgage applications; reduced processing time by an average of 2 days per application.

Expedited the loan application process for over 100 clients, reducing the average processing time by 10%.
Advised clients on mortgage options that best fit their financial needs and goals.
Reliably followed up with clients, realtors, and loan officers to ensure a smooth and timely closing process.
Coordinated with underwriters and title companies to obtain necessary documentation for loan approval.
Developed strong relationships with referral sources to generate new business opportunities.

Presented loan offers to over 500 clients and successfully closed 350 mortgages, generating $4.2 million in revenue for the bank.
Automated the mortgage application process, resulting in a 25% increase in efficiency and a decrease in processing time from 2 weeks to 4 days.
Assessed each client’s financial situation and provided personalized loan options that best suited their needs, leading to a 90% customer satisfaction rating.
Proficiently used underwriting software to evaluate creditworthiness, calculate debt-to-income ratios and verify employment history; determined eligibility for government programs such as FHA, VA and USDA loans.
Sold ancillary products such as home insurance, title insurance and private mortgage insurance to 40% of clients; increased annual revenue by $120,000 through upselling efforts.

Structured mortgage products and loan documentation for 100+ borrowers, ensuring compliance with internal policies as well as state and federal regulations.
Thoroughly reviewed borrower financials, property appraisals and title reports to determine eligibility for mortgage financing.
Restructured loans for 10 delinquent borrowers, reducing monthly payments by an average of $200 per month and preventing foreclosure in 8 out of 10 cases.
Revised the underwriting guidelines for adjustable-rate mortgages (ARMs), resulting in a 20% decrease in loan defaults over a 6-month period.
Formulated a new strategy for marketing subprime mortgage products, which generated $1 million in revenue within the first 3 months of implementation.

Demonstrated expert knowledge of mortgage products and underwriting guidelines to successfully originate 300+ loans per year, totaling over $100 million in value.
Customized loan solutions to meet the unique needs of each borrower, ensuring a high level of customer satisfaction and repeat business.
Streamlined the loan origination process by implementing new technology and automating repetitive tasks; reduced processing time for each loan by an average of 2 days.
Mentored junior mortgage bankers on best practices in customer service, sales techniques and risk management; helped develop 2 team members into top-producing originators within 1 year.
Substantially increased departmental revenue by developing relationships with 5 new real estate brokerages and referring customers for other banking products/services as needed.

Utilized industry-standard software to compile mortgage applications, ensuring that all required information was accurate and up-to-date.
Reviewed loan documents for accuracy and completeness prior to submission to underwriting; this helped reduce the number of rejected applications by 15%.
Accurately calculated income, debts and assets on 100+ mortgage applications per week, using both manual and electronic methods.

3. Skills

The skills section of your mortgage banker resume should be tailored to the specific job you are applying for. Different employers will have different requirements, and some may place more emphasis on customer service skills while others may prioritize sales experience.

It is essential to keep this in mind when crafting your resume because many companies now use applicant tracking systems, which are computer programs that scan resumes for certain keywords before passing them on to a human.

Even if you don’t have all of the required skills listed in the job posting, it’s still worth including any related skills that you do possess. You can further elaborate on your skillset by discussing it in more detail in other areas, such as the summary or experience section.

Below is a list of common skills & terms:

Account Management
Banking
Business Development
Certified Mortgage Planning
Commercial Lending
Commercial Mortgages
Construction Loans
Consumer Lending
Credit
Credit Analysis
Customer Satisfaction
Event Planning
FHA
FHA Financing
Finance
Financial Analysis
First Time Home Buyers
Foreclosures
Government Loans
Home Equity Loans
Investment Properties
Investments
Investors
Loan Origination
Loans
Marketing Strategy
Mortgage Banking
Mortgage Lending
Mortgage Loan Modification
Mortgage Loan Origination
Mortgage Loan Processing
Mortgage Loan Servicing
Mortgage Loan Underwriting
Mortgage Loan Workout
Mortgage Origination
Mortgage Servicing
Mortgage Underwriting
REO
Real Estate
Real Estate Financing
Real Estate Transactions
Referrals
Refinance
Residential Homes
Residential Mortgages
Reverse Mortgages
Sales Management
Sellers
Selling
Short Sales
Team Leadership
Teamwork
Time Management
USDA
Underwriting
VA Loans
Working With First Time Home Buyers

4. Education

Adding an education section to your resume will depend on how far along you are in your career. If you just graduated and have no experience, mention your education below or near your resume objective. On the other hand, if you have been working as a mortgage banker for years with plenty of different responsibilities to showcase, omitting the education section is perfectly fine.

If an education section is included, list degrees and relevant coursework related to the mortgage banker job you are applying for. Examples might be “Bachelor of Science in Finance” and “Courses included Mortgage Banking, Real Estate Law & Economics.”

Bachelor of Science in Business Administration
Educational Institution XYZ
Nov 2011

5. Certifications

Certifications not only allow you to prove your competence in a given area, but can also help you stand out from the competition. If you are certified by a well-known and respected organization, it will show potential employers that you are serious about your career.

If the job advert asks for specific certifications or licenses, be sure to include them in this section of your resume.

Mortgage Bankers Association
National Mortgage Bankers Association
May 2017

6. Contact Info

Your name should be the first thing a reader sees when viewing your resume, so ensure its positioning is prominent. Your phone number should be written in the most commonly used format in your country/city/state, and your email address should be professional.

You can also choose to include a link to your LinkedIn profile, personal website, or other online platforms relevant to your industry.

Finally, name your resume file appropriately to help hiring managers; for Clifton Balistreri, this would be Clifton-Balistreri-resume.pdf or Clifton-Balistreri-resume.docx.

7. Cover Letter

Writing a cover letter is a great opportunity to elaborate on points in your resume and expand upon your skills and experience. It should be 2 to 4 paragraphs long, with each paragraph providing more detail about who you are as a professional.

If a job listing doesn’t mention anything about submitting a cover letter, it’s still worth sending one along. Not only will it give the hiring manager another chance to learn more about you, but it might just be the thing that sets you apart from the other candidates.

Below is an example cover letter:

Dear Antone,

I am interested in the mortgage banker position at [bank name]. As a mortgage banker with more than 10 years of experience in the industry, I have a strong track record of helping people finance their homes. I am confident that I can bring my skills and knowledge to your bank and contribute to its success.

In my previous role at [bank name], I was responsible for originating and processing home loans. I have a deep understanding of the various loan products available, as well as an extensive network of real estate professionals. In addition, I have developed strong relationships with many potential borrowers through my work in the community.

I believe that my experience and skills would be a valuable asset to your bank. I am eager to put my knowledge to work for your organization and help you grow your business. If you are interested in learning more about what I can do for your bank, please contact me at [phone number] or [email address]. Thank you for your time and consideration.

Sincerely,

[Your name]