Julie Chappell
Glen Allen
Summary
Experienced and motivated mortgage professional with a proven record of generating and building relationships, managing projects from concept to completion, designing production strategies, and coaching individuals to success. Skilled in building cross-functional mortgage origination teams, demonstrating exceptional communication skills, and making critical decisions in a results-oriented environment. Adaptable and transformational leader with an ability to work independently, developing opportunities that further establish organizational goals. Aiming to leverage proven knowledge in strategic business planning, problem-solving, and consultative selling techniques to successfully fill the role of an effective leader in mortgage management.
Overview
31
31
years of professional experience
Work History
Mortgage Retail Loan Officer/VP
TRUIST
Richmond
01.2024 - Current
- Manage personal production pipeline of mortgage loan applications from origination through post-closing.
- Establish full household relationships through Line of Business sales, including mortgage, banking, and investments.
- Provide tailored financial advice to clients by explaining benefits of Conventional, Government, and Portfolio loan options.
- Ensure compliance with corporate policies and state and federal regulations.
- Cultivate relationships with real estate agents, builders, and financial planners to enhance referral opportunities.
- Act as trusted advisor for clients and referral partners in complex financial decisions.
- Maintain high ethical standards in all client interactions.
- Deliver exceptional service with prompt responses to inquiries for internal and external clients.
Mortgage Retail Sales Manager/VP
TRUIST
Richmond
02.2022 - 12.2023
- Responsible for all goals and sales activities for a local team of mortgage loan consultants.
- Maintained a robust mortgage loan pipeline through personal production efforts.
- Recruited and trained high-performing mortgage loan officers to enhance team capabilities.
- Executed company initiatives to align with overall growth objectives.
- Organized and facilitated internal sales meetings and external engagements with referral partners.
- Identified and nurtured business relationships to expand market influence.
- Managed local branch production and profitability reporting to ensure results aligned to corporate expectations.
Virginia State Mortgage Sales Manager/SVP
SOUTH STATE BANK
Richmond
03.2020 - 01.2022
- Expanded and coordinated all Mortgage Division production across Virginia.
- Executed sales strategies to enhance business development opportunities.
- Managed Community Reinvestment Act (CRA) performance to meet targeted goals.
- Organized, analyzed, and reported sales data within cross-functional teams.
- Identified opportunities to enhance client service experiences.
- Reviewed origination sales activities to ensure alignment with performance plans.
- Represented company at professional business development and market events.
- Recruited and supported new team members in Mortgage Division.
Mortgage Retail Area Sales Manager/SVP, Central and Western Virginia
SUNTRUST MORTGAGE
Richmond
12.2005 - 02.2020
- Possessed comprehensive knowledge of mortgage products, services, and market trends adhering to regulatory standards.
- Managed all phases of residential mortgage originations effectively.
- Coordinated production activities for sales team through local branch management.
- Executed sales strategies that supported business development opportunities.
- Analyzed workflow gaps to evaluate alternatives and recommend actionable solutions.
- Demonstrated managerial, analytical, organizational, and problem-solving expertise.
- Cultivated strong team-building skills and leveraged networking contacts for recruitment initiatives.
- Oversaw CRA performance and activities to ensure achievement of target goals.
Mortgage Branch Sales Manager/AVP
SUNTRUST MORTGAGE
Richmond
11.2000 - 11.2005
- Planned and organized activities for local sales team of mortgage loan consultants.
- Executed performance goals set by Area Management to drive results.
- Maintained a personal production pipeline of mortgage loans to optimize sales.
- Monitored business relationships to expand market influence effectively.
- Guided and trained direct reports by leveraging knowledge of branch job functions.
- Reported on local branch production and profitability metrics consistently.
- Oversaw activities of mortgage loan consultants to ensure alignment with objectives.
Mortgage Loan Processor III
SUNTRUST MORTGAGE
Richmond
08.1994 - 10.2000
- Oversaw all phases of mortgage loan application process from origination to closing, including underwriting III authority for conventional loans.
- Identified and coordinated advertising initiatives to support branch loan origination efforts.
- Prepared comprehensive origination application packages and effective marketing materials.
- Conducted analytical calculations of client financial data for underwriting submissions.
Education
B.S. - Individualized Studies; concentration in Professional Leadership, Business Communications, and Autism Spectrum Disorder
James Madison University
Harrisonburg, VA05.2020
A.S. - Business Administration
Virginia Western Community College
Roanoke, VA05.2017
Skills
- Microsoft Office Suite
- Empower software
- Encompass Consumer Connect software
- Blend software
- Calyx software
- Fannie Mae Desktop Underwriter
- Freddie Mac Loan Product Advisor
- Salesforce database management
Honors And Affiliations
- Richmond Mortgage Bankers Association, Member, Treasurer (2020-2022), VP (2022-2024), Social Committee (2020)
- Homebuilders Association of Virginia, Member
- Blue Ridge Mortgage Lenders Association, Member (2009-2020)
- SunTrust Mortgage, Top 15% Mortgage Performer (2015)
- U.S. Presidential Community Service, Bronze level/200+ volunteer hrs./yr. (2012)
- SunTrust Bank, Chairman’s Team award recipient (2011)
- SunTrust, Top Divisional Manager of the Year (2010)
- SunTrust, Regional Referral Champion (2009)
- SunTrust, Top Sales Leader award (2008)
- SunTrust, National Retail Production Leadership award (2007)
- SunTrust, Exceptional Management Performance award (2006)
- SunTrust, Mid-Atlantic Group Quality Masters Cup award (2006)
- U.S. Army Reserve, Patriotic Civilian Service Award (2005)
- The Culpeper Citizen, 3 Who Made a Difference recognition (2005)
- Culpeper Grand Masonic Lodge, Community Builders award (2005)
- Culpeper Business and Professional Women’s Organization, Ellen Cannon Business Professional Woman of the Year (2004)
- PVBIA, Associate Member of the Year (2004)
Credentials And Licenses
- Nationwide Multistate Licensing System, #888130
- Crucial Conversations, Vital Smart, (2017)
- Leadership Development Program, SunTrust Management School, (2015)
- Leadership Development Program, SunTrust Management School, (2008)
Fundraising Experience
- Fundraiser and Opening Ceremony Runner, VA Special Olympics Torch Run, Richmond, VA, (2019)
- Fundraising Coordinator/VP, William Byrd High School Boys Soccer Association, Roanoke, VA, (2014-2017)
- Coordinator, St. Luke’s Lutheran School Basketball Fundraiser, Culpeper, VA, (2004)
Leadership Experience
- PTSA Event Coordinator, William Byrd High School, (2014-2017)
- Vice President, William Byrd High School Boys Soccer Association, (2014-2017)
- Board Treasurer, William Byrd Middle School PTA, (2011-2013)
- Head Coach, Roanoke County Parks and Recreation Basketball and Soccer, (2007-2009)
- Founder, Adopt U.S. Troops, Inc., (2005-2007)
- Affiliate Ex-Officio Director, GPAAR (Greater Piedmont Area Association of Realtors), (2005)
- Board Secretary, PVBIA (Piedmont VA Building Industry Assoc.), (2001-2005)
- Chairman, PVBIA Fall Home Show, (2004-2005)
- Youth Basketball Coach, Culpeper County Parks and Recreation, (2003-2004)
- Head Basketball Coach, St. Luke’s Lutheran School, (2002-2004)
- Co-founder and Committee Member, Culpeper 4th of July Event Committee, (1995-2005)
Timeline
Mortgage Retail Loan Officer/VP
TRUIST
01.2024 - Current
Mortgage Retail Sales Manager/VP
TRUIST
02.2022 - 12.2023
Virginia State Mortgage Sales Manager/SVP
SOUTH STATE BANK
03.2020 - 01.2022
Mortgage Retail Area Sales Manager/SVP, Central and Western Virginia
SUNTRUST MORTGAGE
12.2005 - 02.2020
Mortgage Branch Sales Manager/AVP
SUNTRUST MORTGAGE
11.2000 - 11.2005
Mortgage Loan Processor III
SUNTRUST MORTGAGE
08.1994 - 10.2000
B.S. - Individualized Studies; concentration in Professional Leadership, Business Communications, and Autism Spectrum Disorder
James Madison University
A.S. - Business Administration
Virginia Western Community College