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As a Credit Underwriter, your job is an essential two-fold process - you're both an investigator and an analyzer. Your resume should reflect this blend, showcasing a meticulous attention to detail as well as a knack for making data-driven decisions. In light of recent trends, many companies are moving towards automating parts of the underwriting process. As a result, there's a higher demand for underwriters who are comfortable with data analytics and digital platforms, so you’ll want to highlight any relevant tech skills. Your resume needs to show that you can morph with the times while still offering the in-depth, individualized analysis that machines can't.
To stand out, rather than merely stating your responsibilities, you should quantify your achievements. How much money did you save the company? Did you help improve the loan approval process? If yes, by what percentage? The more specific, the better.
Underwriting is all about calculated risks. You should make sure to include any experience or training you have in risk assessment and mitigation. This could be anything from courses you've taken, to specific tools or strategies you've used to evaluate potential risks.
Have you ever applied for a loan to buy a car or pay student debt? Perhaps you know people who took out loans from the bank or other private companies. It is the credit underwriter who is reviewing paperwork and other documents for you to be able to access loans!
It is your responsibility as a credit underwriter to examine loan applications and, on occasion, run a credit history check on a loan applicant. Additionally, you can be requested to review proof of income and debt. Here’s what a successful resume for a credit underwriter looks like, highlighting all important aspects of value to a recruiter!
Credit underwriters must have a strong background in banking and finance, as well as know-how about credit systems. So make sure to utilize your resume well by mentioning that you specialize in underwriting for the banking sector! Make sure to mention it in the introduction and provide evidence of your success in the part about your experience.
If you’re an individual who has experience as a banker or financial expert rather than underwriting, don't be shy to talk more about it! A lot of these skills will be transferred into your credit underwriting career and will make you a more able candidate for the position.
We spoke with hiring managers and recruiters at top financial institutions like Bank of America, Wells Fargo, and Citigroup to gather their best tips for creating a strong credit underwriter resume. Here's what they shared:
Employers want to see that you have a strong foundation in credit analysis. Showcase your skills by including examples like:
Avoid simply listing 'credit analysis' as a skill without providing specifics. Instead, quantify your experience and give concrete examples of how you've applied your skills.
A summary on your resume is optional, but it can be a useful way to provide additional context about your career goals and highlight key qualifications that may not be immediately apparent from your work history. This is especially true if you're making a career change or have a lot of experience to summarize. However, you should never use an objective statement, as it focuses on what you want rather than what you can offer the employer.
When writing your summary, avoid repeating information that's already covered in other sections of your resume. Instead, use this space to add new details and emphasize your most relevant skills and experiences for the credit underwriter role you're targeting. Keep it concise, ideally no more than a short paragraph, and steer clear of overused buzzwords or soft skills.
When writing the work experience section of your credit underwriter resume, you need to showcase your relevant skills, experience, and accomplishments. This is the most important section of your resume, and it's where you can really highlight your qualifications for the job.
In this section, we'll break down the key steps you need to follow to write a compelling work experience section that will catch the attention of hiring managers and help you land your next credit underwriting job.
When describing your work experience, use strong action verbs that are specific to the credit underwriting industry. This will help your resume stand out and show that you have the skills and experience necessary for the job.
Examples of good action verbs to use:
Avoid using generic or overused verbs like:
The education section of your credit underwriter resume should be concise yet impactful. It's an opportunity to showcase your relevant academic background and any specialized training that qualifies you for the role. Follow these tips to effectively highlight your education and make a strong impression on hiring managers.
Here are examples of popular skills from Credit Underwriter job descriptions that you can include on your resume.
This word cloud highlights the important keywords that appear on Credit Underwriter job descriptions and resumes. The bigger the word, the more frequently it appears on job postings, and the more likely you should include it in your resume.
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