Julia Kirsten

Acts as a central point for the risk assessment process. Facilitates risk identification process. Creates reports/dashboards to monitor management issues and develops methodologies for the assessment of risks throughout the organization. Prepares reporting to risk committees, coordinates testing/validation of mitigation responses and supports the overall development of the operational risk management and enterprise risk management frameworks. Liaises with other departments/stakeholders through regular communication and Governance-Risk-Compliance (GRC) tools.

• Serves as a subject matter expert to the Real Estate Operations Division – primarily the Loan Processing Department
• Conducts daily, weekly, bi-weekly, and monthly reporting for various data streams of RE Operations data
• Reports to Senior Manager of Real Estate Operations and serves as her right hand for department initiatives and objectives
• Manages multiple projects at a time with competing deadlines
• Participates in companywide projects as a SME for RE Operations
• Works closely with Processing, Underwriting and Funding managers to align departments, collaborate and increase efficiency and transparency amongst the groups
• Successfully implemented New Hire Training Program for Real Estate Loan Processors
• Created Step by Step Guide for Various Reports that was adopted to Tableau
• Received high Individual Internal NPS Scores since being in position
• Selected to manage projects to be delivered to board by year end 2022 for the Management Incentive Compensation Plan and Mortgage Experience Evolution
• Managed 4 Part Customer Service Training Series focused on the Service Cycle and Recovery Service Cycle
• Successfully created and implemented Call Quality Observation process utilized by management for coaching and development of staff
• Selected for Emerging Leaders Program after being in position less than 1 year

• Processes all loan types from application to funding in Prime Alliance and Encompass
• Analyzes loan applications based on Fannie Mae and PMI guidelines
• Analyzes various forms of income to ensure accuracy of calculations
• Analyzes title reports and works with members and title company to clear all items clouding title
• Delivers superior customer service to members providing weekly updates on loan status, answers to questions regarding conditions and provides solutions to common delays in loan process
• Communicates and collaborates with loan officers to deliver the best member experience and solve any issues with loans
• Effectively communicates with internal (loan setup, underwriting, PFA and closing) and external (title, escrow, appraiser and insurance companies) customers throughout loan process
• Maintained 100% NPS scores since hire date
• Moved to Purchase Team within months of hire date
• Selected to be on Ellie Mae Encompass Pilot Team
• Selected to cover duties and responsibilities for Real Estate Operations Specialist while he was on leave
• Trained processors and loan set-up on new LOS Encompass
• Elected Employee of the Quarter within 6 months of hire date

• Supports top producing President’s Club loan officers with primarily construction/builder loans
• Supports additional loan officers with FHA, VA, Conventional, CALHFA and Jumbo loans
• Calculates W-2, self-employment, retirement, rental, dividend/interest, partnership, and other several types of income
• Effectively established good working relationships with all 3rd party vendors: title, escrow, appraisers, real estate agents and builders
• Managed pipeline of 30+ loans and consistently met all close of escrow dates
• Maintains close communication with the loan officers I support in San Diego regarding status of loans so they can keep builders routinely updated
• Assists team of loan officers, loan officer assistants, openers and closers identify more efficient ways to streamline loan process from inception to funding
• Conducted trainings for Opening Team on Verifications of Employment, Data Verify, 4506T Process and AUS
• Assisted management in projects to QC files of other loan processors
• Successfully transitioned to new LOS (Encompass) and assisted with the training of employees on new LOS

• Company Overview: Westlake Village, CA
• Serves as central hub of communication between loan officers, escrow officers, title officers, borrowers, real estate agents and appraisers
• Successfully processes loan application and credit/income documents from inception to funding
• Calculates income, DTI, reserve requirements, PITI, and escrows
• Ensures accuracy of data in NetOxygen and skilled at review and analysis of sensitive documents (asset statements, personal and business tax returns, 1099s, W-2s, paystubs and credit reports)
• Able to process conventional, jumbo, FHA, VA, and Builder Loans
• Westlake Village, CA
• Consistently hit and exceeded monthly goals since 1st month in production
• Grasped process and procedure quickly as a new employee and asked to train other new hires
• Facilitated training of loan application process for new loan officers
• Refined and revised existing policies and procedures for Loan Processing Department
• Identified areas of opportunity within department and collaborated with management to increase efficiency among existing processes and procedures

• Company Overview: Pasadena, CA
• Collaborated with Private Bankers in the complex to strategize and exceed annual lending goal of $600 million
• Attended various skill-building trainings to refine and develop skills needed for the financial advisor role I would transition to within a year’s time
• Attended weekly meetings to discuss personal opinions of the current stock market
• Participated in computer based training for the Series 7
• Pasadena, CA
• Was chosen among hundreds of candidates for opportunity at Morgan Stanley
• Passed Pre-Production Learning Assessment where I displayed my abilities to cold call, conduct a discovery meeting and a delivery meeting

• Company Overview: Westlake Village, CA
• Processed and serviced Fannie Mae, Freddie Mac, Conventional and FHA loans
• Knowledgeable about FHA guidelines and systems used to process FHA loans
• Built procedures and processes to process a Fannie Mae or FHA Deed in Lieu
• Traveled to Bank of America sites and vendor sites to train employees on FHA Deed in Lieu process and how to use FHA systems including FHA Connection and YARDI
• Completed FHA modules required for FHA connection registration
• Westlake Village, CA
• Won award for Promoting Opportunity
• Awarded Employee of the Month three times in one year period
• Won production awards such as: Highest QC Score, Aging Goal, Highest Number of Approvals & Lowest Average Cycle Time
• Received special recognition from corporate executive for successful implementation and maintenance of the Mortgage to Lease program
• Spearheaded Mortgage to Lease Program
• Collaborated with project managers and executive management to create processes and procedures for new program
• Created system to adapt current operating system for use with this program
• Created benchmarks to gauge success of program and opportunities for improvement
• Analyzed data and identified areas to lower costs without affecting viability of the program
• Presented findings to executive management for approval
• Communicated program’s modifications and improvements to management, vendors, and internal employees through life of the program
• Reached and exceeded goals set forth prior to implementation
• Collaborated with consultants and internal departments to create policies and procedures for Mortgage to Lease Program
• Implemented program and trained vendor associates
• Identified opportunities to increase efficiency and refine program
• Attended routine meetings with project managers, consultants, and various lines of business to maintain and improve program
• Evaluated vendor performance and conducted weekly conference calls to deliver scorecards
• Evaluated vendor remediation plans and held vendors accountable for improving performance
• Trained new hires and traveled to vendor sites to train vendor associates on a monthly basis
• Participated in various audits to ensure bank’s policies and procedures were in compliance with investors’ regulations
• Collaborated with executive management to identify areas of opportunity in our department and strategized to improve processes

• Company Overview: Newbury Park, CA
• Advanced to increasingly responsible duties such as assisting with internal audits, executing 1099 distribution and spearheading project management of new contracts
• Newbury Park, CA
• Replaced old filing system with more effective and efficient system using my superior organizational skills
• Introduced increasingly efficient processes to Accounts Payable duties

• Company Overview: Woodland Hills, CA
• Woodland Hills, CA

• Company Overview: Reseda, CA
• Reseda, CA

• Company Overview: Chatsworth, CA
• Chatsworth, CA

• Company Overview: West Hills, CA
• West Hills, CA

• Company Overview: Agoura Hills, CA
• Agoura Hills, CA

• Consistently advanced and responsibilities were steadily increased since beginning of employment
• Lead a team of 5 employees who under my management consistently hit and exceeded goals set forth by upper management
• Effectively managed 3 departments and ensured company’s mission was being executed
• Successfully negotiated new vendor management contracts
• Effectively lead process transformation from paper based orders to a computerized operating system