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Mortgage analyst skills for your resume and career

Updated January 8, 2025

3 min read

Quoted experts

Janet Ruiz,

Robert Hoyt, Ph.D.

Below we've compiled a list of the most critical mortgage analyst skills. We ranked the top skills for mortgage analysts based on the percentage of resumes they appeared on. For example, 10.0% of mortgage analyst resumes contained origination as a skill. Continue reading to find out what skills a mortgage analyst needs to be successful in the workplace.

15 mortgage analyst skills for your resume and career

1. Origination

Here's how mortgage analysts use origination:

Exceeded all sales goals for units, volume, origination and referral business.
Work directly with clients to help navigate loans from origination to funding.

2. Financial Statements

A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.

Here's how mortgage analysts use financial statements:

Reviewed applicant's credit history, analyzed financial statements and federal income tax returns to determine applicant's overall financial condition.
Analyzed loan applicants' credit histories, corporate and personal financial statements and other vital financial information.

3. Excellent Organizational

Here's how mortgage analysts use excellent organizational:

Utilized excellent organizational skills to properly determine premium factors and provide quality service to large accounts.
Operated collaboratively across multi-functional teams, ability to manage multiple deadlines in a fast-paced and changing environment with excellent organizational skills.

4. Strong Analytical

Here's how mortgage analysts use strong analytical:

Review financial documents to determine workout eligibility and negotiation skills as well as strong analytical and problem solving ability.
Underwrite conventional mortgages using strong analytical abilities, decision making skills and risk analysis tools.

5. Real Estate

Real estate is land that has buildings on it. This kind of property consists of permanent improvements either natural or man-made, which include, houses, fences, bridges, water trees, and minerals. There are 4 types of real estate namely; residential real estate, commercial real estate, industrial real estate, and vacant land.

Here's how mortgage analysts use real estate:

Provided data analysis for division providing lending and real estate investment services.
Focused on Complex Underwriting transactions for residential and commercial real estate.

6. Investor Guidelines

An investor guideline refers to general standards, strategies, and parameters relating to investments; the set guidelines get altered from time-to-time.

Here's how mortgage analysts use investor guidelines:

Analyzed mortgage applications to ensure consistency with both internal and investor guidelines.
Underwrite residential mortgage loans to ensure soundness, compliance, and conformity to lender, agency, and investor guidelines.

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7. RESPA

Here's how mortgage analysts use respa:

Developed and maintain a Microsoft Excel Workbook used validate Loan Calculations required on TILA RESPA Integrated Disclosures
Prepare system and self-authored written responses, adhering to Chase's business letter-writing guidelines and within RESPA guidelines

8. Loss Mitigation

Here's how mortgage analysts use loss mitigation:

Review and Analyze completed foreclosures/loss mitigation/bankruptcy/title, and all other aspects for compliance with state and federal laws.
Called borrowers to solicit loss mitigation referrals, and encouraged repayment on delinquent loans.

9. FHA

The Federal Housing Administration (FHA) stands for a government agency in the United States that offers housing insurance to FHA-approved lenders who follow certain conditions.

Here's how mortgage analysts use fha:

Processed mortgage loan applications for various lending programs (Conventional, FHA, VA, Equity/2nd Trust and Sub-prime programs).
Audited default/liquidation processes for conventional and government-backed (FHA and VA) loans to ensure compliance with federal and state regulations.

10. Financial Analysis

Here's how mortgage analysts use financial analysis:

Program Management Financial Analysis Staff Supervision Business Development Negotiation Money and Asset Management Financial Analysis
Prevented loss by assessing the eligibility of customers through classification and financial analysis.

11. Federal Regulations

Federal regulations refer to the set of rules, both general and permanent that are published in the Federal Register by the agencies of the federal government and the executive departments. Federal regulations are the large body of rules that govern federal practice. Examples of these laws include taxes and financial regulation, discrimination law, wages law, and so on.

Here's how mortgage analysts use federal regulations:

Maintained and followed tight company compliance guidelines and federal regulations daily.
Provided clear and concise information to explain how mortgage accounts are maintained, while following state and federal regulations.

12. NMLS

Here's how mortgage analysts use nmls:

Transitioned onto the CAT-3 team to finish out all CAT-3 NMLS loans
Originated Mortgage loans Collected Loan documentation Approved loans NMLS Unique Identifier Number- 110027

13. Audit Findings

Here's how mortgage analysts use audit findings:

Compile audit findings into a well written summarized report with attending exhibits to meet client lender needs.
Performed Harm Evaluation on loan files as applicable and complied audit findings into a summarized Reports.

14. Foreclosure Process

Here's how mortgage analysts use foreclosure process:

Assigned to conduct independent reviews of loan documents submitted for modification by homeowners with loans in foreclosure process.
Conducted default loan auditing ensuring foreclosure process followed state guidelines.

15. Cash Flow

Here's how mortgage analysts use cash flow:

Analyze clients balance sheets, cash flow statements and tax returns to ensure the loan is prepared for underwriting.
Applied ratio analysis, evaluated business cycles and trends, calculated cash flow, and determined repayment ability.

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What skills help Mortgage Analysts find jobs?

Tell us what job you are looking for, we’ll show you what skills employers want.

What type of skills will young mortgage analysts need?

Janet Ruiz

Director – Strategic Communication, Insurance Information Institute

The mathematical mind, meet the meaningful purpose (Liberty Mutual). Underwriters are the heart of the insurance process, gathering and researching pertinent information and then, using finely tuned analytical skills to evaluate the acceptability of business and institutional risk. Underwriters are more than just analysts - they are the core relationship builders with agents and clients. They are responsible for managing a profitable portfolio of business by distributing agents and brokers. An underwriting career includes a dynamic blend of analytical and marketing skills. Research, Analytics, Communications, Relationship Building, Marketing.

What technical skills for a mortgage analyst stand out to employers?

Robert Hoyt, Ph.D.

Department Head and Dudley L. Moore Jr. Chair of Insurance, University of Georgia

The ability to collect information, work with data, and translate this into insights and knowledge is key in insurance going forward. An important focus in our classes is helping students apply what they are learning to real business situations through projects that are often carried out in teams. The growth of digital strategies in insurance means that emerging graduates are excited by and embrace the use and application of such approaches. However, the ability to engage with people to assist them in managing their personal or business risks is what matters most in this business. At the end of the day, building relationships and trust are the key in insurance.

Do you want to know more?

List of mortgage analyst skills to add to your resume

The most important skills for a mortgage analyst resume and required skills for a mortgage analyst to have include:

Origination
Financial Statements
Excellent Organizational
Strong Analytical
Real Estate
Investor Guidelines
RESPA
Loss Mitigation
FHA
Financial Analysis
Federal Regulations
NMLS
Audit Findings
Foreclosure Process
Cash Flow
Automated Underwriting
Loan Origination

Loan Modifications
Loan Programs
Fannie MAE
Due Diligence
FNMA
Mortgage Applications
Credit Risk
REO
Loan Applications
Bank Statements
Loan Products
Credit Analysis
Regulatory Compliance
Credit Reports
FHLMC
Tax Returns
Federal Laws

Loan Process
Mortgage Products
BPO
Loan Packages
Freddie Mac
Commercial Loans
HUD-1
Underwriting Guidelines
Mortgage Loan Documentation
HMDA
MSP
Cash Flow Analysis
USDA
OCC
GFE

Updated January 8, 2025

Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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