Julie Kuhn
Shalimar,FL
Summary
I am a talented professional and experienced Mortgage Industry Advisor with 30+ years of experience in all aspects of the retail mortgage process. Extensive knowledge of Loan to values, Debt to Income, Risk assessment, income and credit review, and documentation. Proficient in DU & LP as well as GUS. With experience in Originating, Processing and Underwriting of mortgage loans, I am efficient with using guidelines based on investors specifics and FNMA, FHLMC, VA, FHA, and USDA specifics. I am a Self-Starter and highly self-motivated, consistently achieving a high level of production without constant supervision.
Overview
31
31
years of professional experience
Work History
Senior Mortgage Advisor
SWBC Mortgage
10.2023 - Current
- Conducts thorough pre-qualification assessments, ensuring clients had a clear understanding of their financial position before entering the home-buying process.
- Organizes seminars for prospective homebuyers, and realtors demystifying the mortgage application process and generating new leads for the company.
- Enhances client satisfaction levels by addressing concerns promptly and maintaining open lines of communication throughout the lending process.
- Educates clients on loan options and guidelines, empowering them to make informed decisions regarding their home financing needs.
- Assuring that a prospective loan application adheres to the Freddie, Fannie Mae's, VA, USDA or FHA guidelines for loan approval.
- Review and analyze borrower profiles, credit reports, title reports, income documentation and assets, including complex business tax returns and financials
- Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and asset documentation, appraisal, etc., to ensure that each loan meets secondary market, investor and company standards.
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
Senior Mortgage Loan Originator
Waterstone Mortgage
01.2023 - 10.2023
- Developed network of referral partners to source new mortgage loan opportunities.
- Delivered informative presentations at community events to promote awareness of available mortgage products and services offered by the company.
- Coordinated with multiple departments to ensure seamless loan processing, from initial application through closing.
- Developed strong relationships with key stakeholders, including realtors, appraisers, and title companies to facilitate successful loan closings.
- Generated new business through targeted marketing efforts, leading to an increase in loan originations.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting appropriate mortgage products based on their financial goals and qualifications.
- Stay up-to-date on the latest loan products and origination requirements and regularly make recommendations for improvement opportunities.
- Assess applications and appropriate disclosures to make sure they are compliant with all of the investor, Federal, and State requirements.
Senior Mortgage Consultant
The First Bank (formerly Beach Bank)
01.2019 - 01.2023
- Interview applicants to evaluate their eligibility for mortgage loan.
- Reduced loan processing time, conducting thorough credit analysis and collaborating with underwriters for swift approvals.
- Facilitated educational seminars on various mortgage topics, empowering potential home buyers with essential knowledge for informed decision making.
- Expanded referral network through active participation in community events and establishing partnerships with local real estate agents.
- Guided clients through the entire mortgage application process, ensuring a seamless experience from pre-approval to closing.
- Developed comprehensive financial plans for clients, analyzing their current situation and outlining strategies to achieve homeownership goals.
- Consistently met monthly sales targets by proactively seeking new business opportunities and cultivating strong client relationships.
- Collaborated with other department professionals such as processors and closers for smooth transaction execution throughout the entire mortgage lifecycle.
- Contributed to company growth initiatives, providing insightful input based on industry knowledge and experience.
- Maintained up-to-date knowledge on industry trends and regulations, consistently providing accurate information to clients during consultations.
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Branch Manager
University Lending Group
05.2013 - 01.2019
- Participated actively in networking events as a means to expand professional contacts while promoting company services amongst various target markets.
- Managed a team of loan officers, ensuring high performance and achieving monthly sales goals.
- Developed customized lending solutions tailored to each client''s unique financial situation for optimal results in securing mortgages.
- Increased mortgage loan production by implementing effective sales strategies and streamlining branch operations.
- Optimized staff productivity levels through regular performance evaluations coupled with constructive feedback sessions for continuous improvement purposes.
- Developed strong relationships with realtors, builders, and financial professionals to grow referral network for new business opportunities.
- Streamlined loan processing by improving communication between underwriting, processing, and closing departments.
- Mentored junior employees keen on advancing their careers within the organization via sharing valuable insights gained from years of hands-on experience.
- Collaborated with executive leadership to develop annual budget forecasts based on projected revenue and expenses.
- Improved customer satisfaction by providing exceptional service throughout the mortgage application process.
- Consistently met high production goals. Presidents Club each year.
Mortgage Loan Officer
Beach Community Mortgage
04.2010 - 05.2013
- Checked loan documents for accuracy prior to closing.
- Reviewed loan files and updated to match current standards.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines to track and log status of loans.
Mortgage Loan Officer
Baker and Lindsey
04.2008 - 04.2010
- Developed network of referral partners to source new mortgage loan opportunities.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Developed strong partnerships with local real estate agents to generate consistent referrals.
- Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Implementing effective time management techniques allowed me to consistently exceed monthly sales targets while maintaining high-quality customer service standards.
Franchise Owner
Edible Arrangements
05.2005 - 04.2008
- Managed daily cash flow effectively while adhering to company guidelines on deposits, expenditures, account reconciliations.
- Conducted regular performance evaluations for staff members to identify areas of improvement and implement necessary changes promptly.
- Developed solid rapport with vendors, ensuring timely delivery of goods and services while managing cost expectations.
- Analyzed sales data to identify market trends, adjust product offerings accordingly, leading to increased demand for popular items.
- Continuously monitored store appearance ensuring it met franchisor''s visual standards; conducting frequent maintenance checks and improvements as needed.
- Managed labor, inventory and overhead costs effectively to maintain business profitability.
- Maintained a clean, safe environment for both customers and employees through regular inspections and adherence to health code regulations.
- Calculated and submitted on-time and accurate royalty payments to corporate office to maintain franchise in good standing.
- Fostered an inclusive workplace culture emphasizing teamwork and open communication among employees which led to higher employee retention rates.
- Oversaw payroll, business planning and marketing for franchise operations.
- Trained and motivated employees to perform daily business functions.
- Generated revenues yearly and effectively capitalized on industry growth.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Sold this successful and profitable store in March of 2017.
Mortgage Operations Manager to Branch Sales Manage
Countrywide Home Loans
09.1997 - 10.2004
- Conducted regular audits of mortgage files, safeguarding against errors or discrepancies that could lead to financial loss or legal issues.
- Streamlined mortgage operations by implementing efficient processes and reducing redundancies.
- Held the role of Head Branch Underwriter while overseeing junior underwriters, processors, closers and post closers.
- Spearheaded process improvements initiatives, resulting in reduced processing times for loan applications without sacrificing quality or accuracy.
- Implemented risk management practices, minimizing potential losses due to non-compliant loans.
- Communicated effectively with senior management, providing regular updates on departmental performance and notable achievements.
- Managed a team of loan officers, providing guidance and support for optimal performance.
- Assisted in the development of annual budgets, aligning financial resources with departmental objectives and priorities.
- Maintained a strong understanding of relevant laws and regulations to ensure ongoing compliance within the mortgage department.
- Participated in recruiting efforts to attract top talent into the mortgage department, contributing to long-term success and growth.
- Analyzed market trends to stay current on industry changes and provide informed recommendations to senior management.
- Oversaw daily operations, prioritizing tasks to ensure timely loan closings.
- Cultivated positive relationships with real estate agents and other industry professionals, driving referral business opportunities.
- Developed training programs for new hires, fostering a collaborative environment and promoting professional growth.
- Increased loan application approvals by ensuring compliance with federal regulations and company policies.
Mortgage Loan Processor to Underwriter
Suntrust (formerly Baker Mortgage)
02.1993 - 09.1997
- Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
- Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
- Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
- Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
- Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
- Contributed to team success through active participation in training sessions and professional development opportunities.
- Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
- Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
Education
Bachelor of Science - Finance
University of South Florida
Tampa, FL06.1990
Associate of Applied Science - Accounting And Finance
The University of Alabama
Tuscaloosa, AL06.1989
High School Diploma -
Mcadory High School
Mccalla, AL06.1986
Skills
- Experience with the DU, LP and GUS
- Efficient with Encompass
- Ability to communicate, both verbally and in writing, to fellow employees, customers, and third-party vendors in a professional, articulate, respectful, and positive manner
- Willingness to reach out to Loan Officers and Loan Processors to resolve issues
- Strong Organizational, prioritization and time management skills while maintaining quality loan deliveries
- Training and mentoring
- Proactive Problem Solving
- Thorough risk assessment
- Loan Processing Experience
- Extensive product knowledge
- Underwriting experience, VA SAR and DE
- Loan Origination
- Goal-Oriented
- Licensed Mortgage Loan Originator NMLS 370370
- Financial Analysis
- Income Evaluation
- Attention to Detail
- Creditworthiness Determination
- Strong analytical and auditing skills
- Strong attention to detail
- Problem solving
- Continuous Process Improvement
Timeline
Senior Mortgage Advisor
SWBC Mortgage
10.2023 - Current
Senior Mortgage Loan Originator
Waterstone Mortgage
01.2023 - 10.2023
Senior Mortgage Consultant
The First Bank (formerly Beach Bank)
01.2019 - 01.2023
Branch Manager
University Lending Group
05.2013 - 01.2019
Mortgage Loan Officer
Beach Community Mortgage
04.2010 - 05.2013
Mortgage Loan Officer
Baker and Lindsey
04.2008 - 04.2010
Franchise Owner
Edible Arrangements
05.2005 - 04.2008
Mortgage Operations Manager to Branch Sales Manage
Countrywide Home Loans
09.1997 - 10.2004
Mortgage Loan Processor to Underwriter
Suntrust (formerly Baker Mortgage)
02.1993 - 09.1997
Bachelor of Science - Finance
University of South Florida
Associate of Applied Science - Accounting And Finance
The University of Alabama
High School Diploma -
Mcadory High School
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