• Motivated recent post graduate with a strong foundation in operations analytics. My academic background has equipped me with the necessary skills to Operational Knowledge, problem solving and decision making to analyze financial data and evaluate risk.• Detail-oriented professional who is eager to learn and grow in the mortgage underwriting field. I am committed to becoming a certified mortgage underwriter and i achieved my L1 certification recently, there's a long way to go become a successful underwriter and i am confident in my ability to contribute my knowledge and experience to the team's success.• Quick learner with a strong work ethic. I am eager to apply my knowledge and skills to reviewing loan applications, verifying documentation, credit history and risk assessment. I am confident in my ability to adapt to new challenges and learn quickly.•Key Roles and Responsibilities:1. Risk Assessment: Underwriters analyze various factors to assess the risk associated with a particular policy or loan. These factors can include:•Asked Credit history: For loans, a strong credit history indicates a lower risk of default.•Contact Occupation: Certain occupations may pose higher risks, such as those involving hazardous activities.•Contact Location: Geographic location can influence risks, such as natural disasters.•Contact Pricing: Once the risk is assessed, underwriters determine the appropriate premium or interest rate to be charged. Higher-risk policies or loans typically have higher premiums or interest rates to compensate for the increased likelihood of loss.2. Policy Issuance: Underwriters make the final decision on whether or not to issue a policy or loan. If the risk is deemed acceptable and the premium or interest rate is appropriate, the policy or loan can be issued.3. Claim Processing: In the event of a claim, underwriters review the circumstances to determine if the claim is valid and what amount should be paid
