Julie Kim
Woodstock,MD
Summary
Results-driven professional with extensive experience in mortgage underwriting and processing. Demonstrates strong critical thinking and complex problem-solving skills, enhancing workflows and team performance while ensuring compliance and quality control.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Thorough team contributor with strong organizational capabilities. Experienced in handling numerous projects at once while ensuring accuracy. Effective at prioritizing tasks and meeting deadlines.
Qualified [Desired Position] with background as Processing Manager. Expertise in optimizing workflows and implementing process improvements that enhance operational efficiency. Demonstrated ability in managing cross-functional teams and utilizing problem-solving skills to drive continuous improvement and productivity.
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] position. Ready to help team achieve company goals.
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Overview
13
13
years of professional experience
Work History
Mortgage - VP Underwriting/Processing Manager
Triumph Lending Group, Inc.
Los Angeles, CA
04.2016 - 03.2024
- Increased company growth through collaboration with sales department.
- Streamlined processing workflows to enhance operational efficiency across multiple teams.
- Led training programs for staff on new processing systems and best practices.
- Mentored junior team members, fostering a culture of continuous improvement and accountability.
- Mentored departmental team, boosting efficiency, success and morale among employees.
- Successfully managed processing team of 5 staff to support 20+ sales agents, providing assistance and answering questions.
- Cultivated positive working relationships among team members by promoting open lines of communication throughout the department.
- Managed high-volume workloads effectively to meet strict deadlines, prioritizing tasks based on urgency and importance.
- Evaluated and assessed employee performance to meet production and data targets.
- Reduced processing errors, ensuring thorough quality control checks at every stage of the process.
- Adhered to all applicable compliance and regulatory requirements.
- Facilitated effective communication between departments to streamline workflow processes and improve overall efficiency.
- Responded rapidly to market shifts to make changes to corporate processes.
- Oversaw cross-functional teams to ensure alignment with organizational goals and compliance standards.
- Spearheaded strategic initiatives to enhance operational efficiency and streamline loan processes.
- Developed and implemented training programs for staff to improve performance and foster professional growth.
Mortgage - Senior Loan Processor
Lending Works
Los Angeles, CA
03.2012 - 04.2016
- Analyzed credit reports and financial statements to assess borrower eligibility and risk levels.
- Streamlined loan processing workflows to enhance operational efficiency and reduce turnaround times.
- Collaborated with underwriters to resolve discrepancies, ensuring accurate loan approvals and funding decisions.
- Mentored junior processors, providing guidance on compliance and best practices in loan documentation.
- Implemented quality control measures to maintain high standards in document accuracy and processing speed.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Organized detailed records of completed loans for easy retrieval during audits or reviews.
- Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels.
- Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and continuous improvement.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Contributed to company growth by successfully managing an expanding portfolio of diverse loans.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Processed loan applications and monitored progress from start to finish.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Mortgage - Underwriter/Processor
Western Federal Credit Union
El Segundo, CA
09.2011 - 03.2012
- Evaluated mortgage applications for compliance with underwriting guidelines and regulatory requirements.
- Assessed borrower creditworthiness using comprehensive financial analysis and risk assessment tools.
- Collaborated with loan officers to resolve outstanding issues and ensure timely processing of loans.
- Conducted thorough reviews of appraisals, income documents, and debt-to-income ratios for accuracy.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Increased customer satisfaction by providing timely feedback on application status and addressing potential issues promptly.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Maintained high level of customer satisfaction by providing clear, concise explanations of complex underwriting decisions.
- Reduced loan approval times, analyzing borrower's financial status, credit, and property evaluations to meet tight deadlines.
- Explained very technical financial information to applicants in easy to understand language.
- Compiled closing packages for drafting and presentation accuracy.
- Processed member applications efficiently, ensuring compliance with credit union policies.
- Resolved member inquiries promptly, contributing to high levels of member satisfaction.
- Supported team members in their tasks, contributing to overall team success.
- Increased productivity by effectively managing workload and prioritizing tasks.
- Enhanced team collaboration, sharing best practices for efficient processing techniques.
- Contributed to the achievement of department goals through consistent high-quality work.
- Processed loan applications and monitored progress from start to finish.
Education
Bachelor of Science - Management Science
University of California, San Diego
La Jolla, CASkills
- Team leadership
- Relationship building
- Decision-making
- Critical thinking
- Coaching and mentoring
- Complex Problem-solving
- Process improvement
- Training and mentoring
Languages
Korean
Professional Working
Timeline
Mortgage - VP Underwriting/Processing Manager
Triumph Lending Group, Inc.
04.2016 - 03.2024
Mortgage - Senior Loan Processor
Lending Works
03.2012 - 04.2016
Mortgage - Underwriter/Processor
Western Federal Credit Union
09.2011 - 03.2012
Bachelor of Science - Management Science
University of California, San Diego