Julia Ross
Chandler,AZ
Summary
Dynamic professional with a proven track record in mortgage lending and loan processing, honed at companies like Quontic Bank. Skilled in regulatory compliance and customer service, I excel in delivering efficient solutions and exceeding performance goals, with a notable increase in sales by 50% at Shopgate, Inc. Expert in title clearance and adept at multitasking, I bring a results-driven approach to every challenge.
Overview
11
11
years of professional experience
Work History
Disclosure Analyst - Contractor
eTeam, Inc.
Tempe, AZ
11.2024 - 02.2025
- Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Loan Closer / Funder
Quontic Bank
Mesa, AZ
06.2024 - 11.2024
- Review loan documents, ensure accuracy, completeness, and compliance with internal policies and regulatory requirements, before funding
- Collaborate with loan officers, underwriters, and title companies to address any discrepancies or outstanding items
- Conduct thorough reviews of loan packages to ensure all required documents are present, accurate and properly executed
- Stay up-to-date with industry regulations and ensure adherence to all applicable federal, state, and company-specific guidelines
- Work closely with the compliance team to maintain a compliant loan funding process
- Manage and track funding conditions
- Utilize loan origination and funding systems to input, validate, and maintain accurate loan data
- Review, Approve and order bank wires / eWires
- Redisclose change of circumstances providing loan estimates to all borrowers
- Provide excellence customer service to internal teams, borrowers, and external borrowers
- Prepare accurate reports related to loan funding activities
Remote Reverse Loan Closer
American Advisors Group
Irvine, CA
02.2020 - 06.2023
- Delivered positive customer experiences and successful deal closures through open, constructive communication
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs
- Communicated with loan officers, processors, escrow officers and, settlement agents throughout the closing process
- Reviewed title reports for liens, judgments and property taxes to be paid at closing, HUD-1 settlement statements and conditions to ensure sign-off prior to closing
- Drew mortgage closing documents for wet and dry states as per national guidelines
- Exceeded monthly quotas
Auto Finance Processor / Loan Funder
Santander Consumer USA
Mesa, AZ
03.2017 - 12.2019
- Worked directly with dealerships, credit, and vendors to ensure adherence to state, federal and internal credit regulations
- Coordinated purchases of retail installment contracts of SC's dealer base
- Developed strong relationships with finance managers by providing high-levels of customer service
- Managed more than 50 customer calls per day
- 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
Tempe, AZ
06.2016 - 12.2016
- Processed and quality checked all documents from lenders and attorneys for accuracy
- Prepared title closing documents (CD, Loan Estimate)
- Ensured that complete and accurate closing packages were 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
- Prior to closing, confirm package deliveries with lenders
Sales Account Manager
Shopgate, Inc.
Gilbert, AZ
03.2014 - 11.2015
- Performed enterprise sales for leading global provider of mobile shopping solutions
- Created proposals for new and repeat customer business transactions
- Consulted with merchants to expand their Ecommerce marketing strategies with Shopgate software tools
- Managed more than 50 customer calls per day
- Exceeded quarterly performance goals and increased sales by 50%
Skills
- Title Clearance
- Reg Z Initial Disclosures
- Loan Servicing
- Document Review
- Credit analysis
- Closing procedures
- Mortgage lending
- Loan Processing
- Data Collection
- Closing Techniques
- Regulatory Compliance
- Customer Service
- Time Management
- Mult-tasking
- Administrative
- Employment Verification
- Lending Software Systems
- Credit Applications
Additional Information - Computer Knowledge
- Cadence
- Encompass
- Sharepoint
- Lendforce
- FAST
- EWire
- Advanced Microsoft Suite
- Excel
- SalesForce
- Point
- DataTrac
- Powerpoint
- Photoshop
- All apps
Timeline
Disclosure Analyst - Contractor
eTeam, Inc.
11.2024 - 02.2025
Loan Closer / Funder
Quontic Bank
06.2024 - 11.2024
Remote Reverse Loan Closer
American Advisors Group
02.2020 - 06.2023
Auto Finance Processor / Loan Funder
Santander Consumer USA
03.2017 - 12.2019
Escrow Loan Closer
First American Title
06.2016 - 12.2016
Sales Account Manager
Shopgate, Inc.
03.2014 - 11.2015
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