Julia Ross
Chandler,AZ
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
Work History
Remote Loan Closer
American Advisors Group
02.2020 - 05.2023
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Maintained checklists of required documentation and open issues affecting closings.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Communicate with Loan Officers, Processors, Escrow Officers and Settlement agents throughout the closing process.
- Review title report for liens and judgments to be paid at closing, HUD-1 settlement statements and conditions to ensure sign off prior to closing.
- Draw mortgage closing documents for wet and dry states. Follow national guidelines for each state.
- Meet monthly quotas - 50 to 80 Final Docs out.
Auto Finance Processor / Loan Funder
Santander Consumer USA
03.2017 - 12.2019
- Worked directly with dealerships, Credit, Sales and Vendors to ensure adherence to state, federal and internal credit regulations.
- Coordinated the purchasing of retail installment contracts of SCs dealer base.
- Developed strong relationships with Finance Managers through high levels of customer service.
- Performed advanced level of verifications to enure credit guidelines are achieved.
- Assisted investigation and risk management teams with fraud investigations and risk identification.
- Processed loan applications and monitored progress from start to finish.
- Funded subprime auto deals.
Escrow Loan Closer
First American Title Insurance Co
12.2016 - 12.2016
- Processed and quality checked all documents from lenders and attorney's for accuracy.
- Prepared title closing documents (CD, Loan Estimate, etc.
- Ensured complete and accurate closing packages are submitted for signage.
- Maintained checklists of required documentation and open issues affecting closings.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Responded to inquiries from borrower's, lenders and attorney's to resolve discrepencies.
- Prior to closing, call to confirm with lenders how the packages are being sent.
Sales Account Manager
Shopgate, Inc
03.2014 - 11.2015
- Performed Enterprise sales for leading global provide of mobile shopping solutions.
- Created proposals for new and repeat customer business transactions.
- Consult with merchants to expand their Ecommerce marketing strategies with Shopgate's software tools.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Command all phases of sales cycle from lead generation to closing.
- Exceeded quarterly performance goals.
Wholesale Account Manager Loan Closer
CMG Financial Services
05.2012 - 06.2013
- Managed a high volume of wholesale files and ensured pipeline integrity.
- Acted as a liaison to brokers for various for HARP loans, Refinances, and purchase loans.
- Handled pre-underwriting, processing and compliance analysis.
- Administrator to 2 account executives in the NW territory.
Client Relationship Manager
BANK OF AMERICA
11.2009 - 04.2012
- Refined and managed portfolio of imminent default loans focused on loan modifications entailing consultation and advisement on collections and repayment plans, foreclosure, bankruptcy and litigation.
- Ensured compliance with federal laws and company guidelines minimizing loan losses and legal issues.
- Mortgage Loan Specialist dedicated to the branch as a previous employee of BofA Richmond Hilltop location.
Mortgage Consultant
OAK LEAF FUNDING
11.2005 - 11.2009
- Licensed agent securing commercial, residential, and construction loans resulting in 1.5M monthly.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Networked with Title companies and self generated loan opportunities at Open Houses.
Education
Bachelor of Arts - Documentary Photography And Film
The Academy of Art Univeristy
San Francisco, CASkills
- Settlement Statements
- Processing Loan Applications
- Loan Evaluations
- Loan Operations
- Data Collection
- Closing Disclosures
- Customer Inquiries
- File Management
- Title Document Preparation
- Customer Accounts Management
- Microsoft Office
- Administrative Support
- Lending Software Systems
Timeline
Remote Loan Closer
American Advisors Group
02.2020 - 05.2023
Auto Finance Processor / Loan Funder
Santander Consumer USA
03.2017 - 12.2019
Escrow Loan Closer
First American Title Insurance Co
12.2016 - 12.2016
Sales Account Manager
Shopgate, Inc
03.2014 - 11.2015
Wholesale Account Manager Loan Closer
CMG Financial Services
05.2012 - 06.2013
Client Relationship Manager
BANK OF AMERICA
11.2009 - 04.2012
Mortgage Consultant
OAK LEAF FUNDING
11.2005 - 11.2009
Bachelor of Arts - Documentary Photography And Film
The Academy of Art Univeristy
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