JULIE J BAPTISTA
Jacksonville,FL
Summary
Strong customer service skills, analytical and communication (oral and written) abilities. Additional mortgage experience provided upon request. Mortgage experience since 1982.
Professional with strong background in financial analysis and asset management. Skilled in data interpretation, risk assessment, and compliance with industry regulations. Focused on team collaboration and achieving measurable results. Reliable and adaptable to changing business needs.
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
17
17
years of professional experience
Work History
Collateral Analyst
Foundation Corporation/National Mortgage
09.2024 - 10.2024
- Warehousing; packaged loans for submission to Warehouse Lenders
- Review of Original Note (addendums, if required), Mortgage, (Schedule A, 1-4 Family Rider, PPP addendum (if required), Title Commitment
- Ship Collateral Package
- Track closed loan packages from the escrow companies
- Workflow: tracking Notes, Collateral review, preparation of Collateral packages, shipping of Collateral to warehouse line and confirm receipt
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Credit Services, Specialist 1
Situs/AMC
10.2021 - 11.2022
- Review and underwrite DSCR and Fix and Flips
- Remote analyst: review of TRID loans, compliance, compliance/credit documentation and FHA/VA loans
- Underwriting TRID loans: Self -employed: borrowers tax returns, bank statements, wage earners and asset depletions products
- Review of integrated disclosures and change of circumstance
- Income, asset and appraisal reviews
Remote Due Diligence Analyst
Independent Contractor
04.2021 - 10.2021
- Completed three contracts reviewing DSCR, Residential mortgages
- Complete file reviews
- Demonstrated strong attention to detail by identifying discrepancies in client documentation, minimizing potential risks for the company.
- Provided valuable insights through the interpretation of complex legal documents, uncovering potential issues or concerns.
Analyst, Due Diligence
Situs/AMC
03.2015 - 04.2021
- Remote analyst: review of TRID loans, compliance, compliance/credit documentation and FHA/VA loans
- Underwriting TRID loans: Self -employed: borrowers tax returns, bank statements, wage earners and asset depletions products
- Review of integrated disclosures and change of circumstance
- Income, asset and appraisal reviews
Due Diligence Underwriter
Loan Logics
08.2014 - 02.2015
- Contract Outsource Underwriter
- Data and Analytics
- Underwrite/review Conventional, FHA, VA, Jumbo and USDA loans
- Full credit underwrites
- Gus, LP, DU and Manual
- Underwriting Forensic files, performing due diligence on compliance and credit packages from various lenders
- Income, asset and appraisal reviews
Operations Generalist, Contact Center
Step Up for Students
01.2014 - 08.2014
- Company Overview: Step Up for Students provides scholarships for low-income Florida school children/equal educational opportunity
- Underwriting/processing applications for student scholarships
- Step Up for Students provides scholarships for low-income Florida school children/equal educational opportunity
Contract Outsource Underwriter/Data and Analysis
Corelogic
04.2013 - 11.2013
- Underwriting Conventional, FHA, VA, LP and DU files
- Due Diligence: Full credit underwrites and compliance
- Due Diligence: Full credit and compliance
- This is an in-house contract position
Contract Sr Frontline Underwriter
MRN3cubed
01.2013 - 04.2013
- Underwriting Conventional, FHA, VA, LP and DU files
- Due Diligence: Full credit and compliance
- This was a remote contract position
Contract Underwriter/Due Diligence
Opus Capital
07.2012 - 01.2013
- Research loans to ensure its viability or legitimacy and compliance with regulatory laws
- Underwriting Forensic files, performing due diligence on compliance and credit packages from various lenders
- Income, asset and appraisal reviews
- Full underwrites: Conventional, LP and DU
Project Specialist/Contractor
Promontory
01.2012 - 06.2012
- Review of Title’s and Attorney’s documents from foreclosure and loss mitigation to determine if compliance with procedures were followed and implemented according to timelines and guidelines
Wholesale Underwriter
Florida Capital Bank
09.2011 - 01.2012
- Underwriting Conventional Fannie Mae and Freddie Mac
- Review of tax returns, investment properties, bank statements, desk reviews, appraisals, purchase contacts, short sales and other loan documentation relevant to the decision of the file
- Signing authority: $417000
Underwriter
PHH Mortgage
07.2010 - 04.2011
- Underwriting Conventional Fannie Mae and manual underwrite when required
- Underwriting for Charles Schwab and Northern Trust business sources
- Analyzing income, reviewing tax returns for self-employed borrowers, reviewing bank statements, appraisals BPO's, purchase contracts and other pertinent loan documents in order to make the best decision possible
Junior Underwriter
Accounting Principles
12.2009 - 07.2010
- Working as a contractor at PHH Mortgage on assignment
- Perfecting documents for submission to underwriting
- Working with customers to secure documents and resolve issues
- Perfecting loan documents to send complete files to underwriting for decision
- Reviewing all pertinent documents; such as bank statements, income documents, divorce decrees, bankruptcy papers and tax returns for completion and accuracy
- Extensive customer contact
Sales Associate
Dillard’s Retail
08.2009 - 12.2009
- Work part-time for Dillard’s Department Store as a Sales Associate in the Accessories Department
- Excellent customer service
Conventional Underwriter
Taylor, Bean & Whitaker
04.2009 - 08.2009
- Underwrote conventional mortgage loans; FHLMC/LP and FNMA/DU
- Approve, deny, withdraw and pend files as necessary
- Analyzed income documents, reviewed bank statements, analyzed personal and business tax returns for self- employed borrowers; also reviewed appraisals, BPO's, purchase contracts and other pertinent loan documents in order to decision a loan
- Previously employed for TB&W for four years
- Resumed employment in 2009 as a contractor
- Signing authority: $417000
- Manual Underwriting
- Also, continued to work from home with Christian Benefit on submissions to lenders of workout packages for consideration of loan modifications
Loan Modification Specialist/Underwriter - Contract/Work from home
Christian Benefit Loan Modification
03.2009 - 08.2009
- Submitted loans to various lenders for Loan Modification options
- Provided all documentation from clients, qualified clients based on information provided and negotiated with lenders for options which would provide the clients with an affordable rate and term
- Reviewed loan modification paperwork with clients
Contract Processor
Wachovia Mortgage
12.2008 - 03.2009
- Processing “Pick a Pay” loans for refinance and referral for Loan Modification
- Processed completed files for submission to underwriting
- Ensured that files had all documentation and that the documentation was complete and accurate
- Requested tax transcripts as required
- Submitted loan files in a timely fashion
- Contract ended when loans were transferred to Wells Fargo for Loan Modification workouts
Underwriter
NACA
12.2007 - 12.2008
- Underwrite files for submission of financial packages to lenders for review and decision
- In February job description changed with added responsibilities
- I worked with lenders to establish affordable rates and payments
Loss Mitigation Specialist/Negotiator
NACA
12.2007 - 12.2008
- Manage relationships with 7 lenders working out packages for affordable rates/payments
- Review and underwrite files according to lender guidelines
- Rework files with deficits and surplus to determine if lenders have the correct figures worked out for borrowers to qualify for modifications, restructures and payment plans
- Resolve difficult cases, i.e.; foreclosures, bankruptcy and defaults
- Analyzing credit reports and income documents
- Consulting with lenders/servicers on decisions
- Explaining terms of modifications to borrowers
- Workout options
- Strong customer service skills, analytical and communication (oral and written) abilities
Education
Travel and Tourism - 4.0 level for Academic Leadership
Drett Travel and Tourism
Dayton, OH01.1988
High School - Business Course
Wareham High School
Wareham, MA01.1967
Skills
- Strong customer service skills
- Analytical abilities
- Communication (oral and written) abilities
- Loan underwriting
- Credit analysis
- Cash flow analysis
- Collateral valuation
- Credit verification
Accomplishments
- Documented and resolved file issues which led to final approval or denial.
- Achieved cures of files through effectively helping with solving any problems.
- Achieved accurate outcome by completing outstanding discrepancies with accuracy and efficiency.
High QC scores from Management reviews for Due Diligence, time management , and decision.
Files reviewed daily for Due Diligence, time management (8 hours a day) and accuracy in verbal and written final decision. Reviews consisted of how long it took to review the the file, quota (6-8 files per day). Variety of files where underwritten based on regulations for the particular file: FHA, VA, QM and Non-QM, USDA. Accurate calculations for income, tax returns, assets and appraisals. Scores for required or missing documentation. The review was once a month. My lowest score was 86% -89% with most scores at 99%-100%.
Timeline
Collateral Analyst
Foundation Corporation/National Mortgage
09.2024 - 10.2024
Credit Services, Specialist 1
Situs/AMC
10.2021 - 11.2022
Remote Due Diligence Analyst
Independent Contractor
04.2021 - 10.2021
Analyst, Due Diligence
Situs/AMC
03.2015 - 04.2021
Due Diligence Underwriter
Loan Logics
08.2014 - 02.2015
Operations Generalist, Contact Center
Step Up for Students
01.2014 - 08.2014
Contract Outsource Underwriter/Data and Analysis
Corelogic
04.2013 - 11.2013
Contract Sr Frontline Underwriter
MRN3cubed
01.2013 - 04.2013
Contract Underwriter/Due Diligence
Opus Capital
07.2012 - 01.2013
Project Specialist/Contractor
Promontory
01.2012 - 06.2012
Wholesale Underwriter
Florida Capital Bank
09.2011 - 01.2012
Underwriter
PHH Mortgage
07.2010 - 04.2011
Junior Underwriter
Accounting Principles
12.2009 - 07.2010
Sales Associate
Dillard’s Retail
08.2009 - 12.2009
Conventional Underwriter
Taylor, Bean & Whitaker
04.2009 - 08.2009
Loan Modification Specialist/Underwriter - Contract/Work from home
Christian Benefit Loan Modification
03.2009 - 08.2009
Contract Processor
Wachovia Mortgage
12.2008 - 03.2009
Underwriter
NACA
12.2007 - 12.2008
Loss Mitigation Specialist/Negotiator
NACA
12.2007 - 12.2008
High School - Business Course
Wareham High School
Travel and Tourism - 4.0 level for Academic Leadership
Drett Travel and Tourism
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