Julie Bartenetti
Mortgage Underwriter
Federal Way,WA
Summary
Experienced in fast-paced environments and adaptable to last-minute changes. Thrives under pressure and consistently earns high marks for work quality and speed.
Overview
20
20
years of professional experience
Work History
Loan Officer Assistant
Nexa Mortgage
Chandler , AZ
10.2024 - Current
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Monitored key dates to obtain information by deadlines.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Set up files using loan officer checklist and submitted on-time for processing.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Senior Mortgage Underwriter
Willamette Valley Bank
Federal Way, WA
03.2015 - 12.2022
- Designated SAR, issuing 99% of the company's NOVs
- Reviewed, examined, and underwrote Jumbo, Conventional, FHA, VA, USDA, Idaho state bonds, and Washington state bonds
- Assisted processors and Loan officers in revolving issues or restructuring the loan to meet agency requirements
- Met Daily goals as set by the manager.
Senior Mortgage Underwriter
Bay Equity Home Loans
Tacoma, WA
03.2012 - 03.2015
- Ordered services credit reports, flood certs, and appraisals through third-party services
- Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors, and real estate agents to collect information to complete loan submissions
- Reviewed, examined, and underwrote conventional and FHA loans
- Applied knowledge of secondary market guidelines to underwrite loans.
HSSII
ABC Home mortgage
Renton, WA
01.2009 - 02.2012
- Ordered services credit reports, flood certs, and appraisals through third-party services
- Prioritized loan files to meet individual loan timelines with associated commitments, mortgage contingency dates, and rate locks
- Reviewed, examined, and underwrote conventional and FHA loans
- Finished tasks and job duties, adhering to deadlines to avoid delays.
Senior Mortgage Processor
ABC Homemortgage
Kent, WA
09.2004 - 12.2008
- Maintained secure environment to confidentially process loan files
- Ordered services credit reports, flood certs and appraisals through third-party services
- Facilitated smooth resolution of issues affecting loan process and approval with applicable loan officer
- Verified provision of necessary state, federal and company-specific disclosures directly to clients.
Education
Highline Community College
01.1995
High School Diploma
01.1991
Skills
- Proficient in Microsoft office
- Excellent oral and written communication skills
- Self motivation
- Time management
- Strong communication skills including the ability to interact in a positive and productive manner
- Creative thinking
Awards
- Regularly Recognized for job performance and production
- Employee of the Month
Certification
- Digitial Marketing / eCommerce Training - 2025
- Data Analytics Training - 2025
- Licensed Notary / Signing Agent - 2008-present
- NMLS License 2025
Timeline
Loan Officer Assistant
Nexa Mortgage
10.2024 - Current
Senior Mortgage Underwriter
Willamette Valley Bank
03.2015 - 12.2022
Senior Mortgage Underwriter
Bay Equity Home Loans
03.2012 - 03.2015
HSSII
ABC Home mortgage
01.2009 - 02.2012
Senior Mortgage Processor
ABC Homemortgage
09.2004 - 12.2008
Highline Community College
High School Diploma
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