Julie Mattingly
Union,KY
Summary
Highly skilled Loan Specialists with expertise in data accuracy and security. Hardworking professional with over 30 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
11
11
years of professional experience
Work History
Mortgage-underwriter
Peoples Exchange Bank
11.2022 - Current
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Assisted in training new team members, fostering a collaborative work environment that supported professional growth.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
Mortgage Underwriter
Caliber Home Loans
09.2013 - 10.2022
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Education
Business Administration
Northern Kentucky University
Highland Heights, KYHigh School Diploma -
Conner High School
Hebron, KY06.1984
Skills
FHA Direct Endorsement Certification/Chums ID number
VA SAR approved
KHC Delegated
USDA delegated
- Automated Underwriting System (AUS)
- Property Evaluation
- Income Evaluation
- Microsoft Office
Timeline
Mortgage-underwriter
Peoples Exchange Bank
11.2022 - Current
Mortgage Underwriter
Caliber Home Loans
09.2013 - 10.2022
Business Administration
Northern Kentucky University
High School Diploma -
Conner High School
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