Julie Maxwell

• Analyze and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
• Determine credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
• Work with processing team members to communicate errors and obtain missing information for current applications.
• Enhanced risk assessment accuracy by conducting thorough reviews of credit reports, employment history, and income verification documents.
• Review appraisals and title documents to verify accuracy and completeness.
• Evaluate loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
• Underwrite Conventional, FHA, Jumbo, Construction, Portfolio, and Lot loans
• Analyze all loans to ensure compliance with all mortgage regulations as it relates to TRID, HMDA, Reg B, ECOA, UDAP, and Fair Lending.
• Proficient in Desktop Underwriter and Loan Advisor
• FHA Chums ID
• Keep current on compliance and guidelines through internal mortgage related classes and other revenues such as MGIC, and secondary market investors

Reviewed consumer loan applications

Reviewed credit bureaus for credit worthiness of applicants

Requested necessary documentation in order to make a credit decision

Ensured the decision was within the policies and guidelines

Assisted in Audit and Exam items

Oversaw all areas of the loan department

Managed time off requests

Handled employee and member issues

Reviewed Home Equity applications and issued an approval or denial

Processed approved loans

Ordered appraisals and title work on property

Prepared Home Equity closing documents

Closed Home Equity loans

Kept up to date on regulatory changes

Responsible for paying escrow items

Responsible for escrow analysis annually

Responsible for HMDA reporting

Kept procedure manual updated

• Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
• Communicated with originator and applicant concerning progress of loan file.