Overview
Work History
Education
Skills
Timeline
Generic

Julie Frater

St Augustine ,FL

Overview

12
12
years of professional experience

Work History

SENIOR UNDERWRITER

STOCKTON MORTGAGE
Frankfort, KY
10.2023 - Current
  • Conducted detailed analysis of borrower creditworthiness by evaluating financial statements, tax returns and other related documents.
  • Analyzed debt-to-income ratios to ensure borrowers met the requirements of underwriting guidelines.
  • Maintained up-to-date knowledge of industry trends, best practices, government regulations, market conditions.
  • Utilized understanding of underwriting guidelines to keep work in line with government regulations and company requirements.
  • Evaluated accounts according to risk, hazard and exposure guidelines and make accurate decisions.
  • FHA/VA/USDA/Jumbo/NON QM/HELOCS/2nds/DPA

SENIOR UNDERWRITER

MISSION LOANS
01.2023 - 10.2023
  • Managed all phases of the underwriting process and followed up with loan processors, and loan originators
  • Determined and documented loan terms and requirements, as well as communicating requirements and decisions
  • Looked at debt ratios, loan-to-value ratios, credit scores, property valuations, and a variety of other factors when making underwriting decisions
  • FHA/VA/USDA/Jumbo/NON QM/HELOCS/2nds/DPA

VP RETAIL UNDERWRITING

EQUITY PRIME MORTGAGE LLC
10.2018 - 01.2023
  • Reporting to COO of company, daily turn times, reporting etc
  • Working with secondary marketing on unsaleable loans
  • Maintain direct relationship with sales and processing partners
  • Supported team members with questions on guidelines and procedures
  • Exception and scenario support
  • Managed 10-20 Underwriters in day to day operations

UNDERWRITING MANAGER

CALIBER HOME LOANS INC
02.2013 - 10.2018
  • Responsible for underwriting of FANNIE/FREDDIE MAC conforming and non-conforming first and second mortgage packages; also, VA SAR Reviewer and FHA underwriting of government applications and ensuring compliance with corporate and agency policies and regulations
  • Managed and supported a team of 8-10 underwriters as well as branch offices
  • Reviewed and resolved post-closing issues
  • Reporting

Education

ASSOCIATES IN NURSING -

CAMBRIDGE MEDICAL INSTITUTE
01.2013

ASSOCIATES IN ARTS -

FSCJ
01.2004

Skills

  • Detail oriented
  • Organization
  • Customer Service driven
  • 27 years in the mortgage industry
  • Team leadership
  • Loan structuring
  • Problem solving
  • Relationship building
  • Sales support

Timeline

SENIOR UNDERWRITER

STOCKTON MORTGAGE
10.2023 - Current

SENIOR UNDERWRITER

MISSION LOANS
01.2023 - 10.2023

VP RETAIL UNDERWRITING

EQUITY PRIME MORTGAGE LLC
10.2018 - 01.2023

UNDERWRITING MANAGER

CALIBER HOME LOANS INC
02.2013 - 10.2018

ASSOCIATES IN NURSING -

CAMBRIDGE MEDICAL INSTITUTE

ASSOCIATES IN ARTS -

FSCJ

Similar Profiles

CREATE PROFILE
Julie Frater