Julie Mendez
Las Vegas,NV
Summary
Mortgage underwriting professional with a history of evaluating loan applications and ensuring adherence to financial standards. Proven ability to collaborate with team members and adapt to evolving industry requirements. Recognized for keen analytical skills and reliability in delivering accurate assessments.
Overview
30
30
years of professional experience
Work History
DE Underwriter, Loan Processor & Loan Officer/NMLS 785880
RMS & Associates
10.2010 - 04.2025
- Underwriter: Analyze financial data related to loan requests, evaluate loan documents for accuracy and completeness, perform risk assessments on potential loan recipients based on credit rating, borrowing history, and specific risk factors.
- Loan Processor: Responsible for pipeline. Review loan application package for completeness and accuracy, reconciles application against system input. Responsible for gathering credit and other documents from the customer and third parties in support of the loan approval decision. Verifies and validates supporting income, assets and liability documentation to ensure the documentation meets the loan approval conditions. Calculates and analyzes income and assets for funds to close. Review incoming documentation within 24 hours of receipt to determine if the paperwork meets the approval conditions.
- Loan Officer: Assist individuals in securing loans by evaluating their financial information, assessing creditworthiness, and recommending suitable loan options. Guide clients through the loan application process, ensuring compliance with regulations and policies. Building rapport with realtors for continued growth.
- Conventional, FHA & VA loans
Bookkeeper
Elite Medical Billing
02.2008 - 10.2010
- Accounts payable, accounts receivable and payroll utilizing Quickbooks software.
Loan Officer and Loan Processor
Astoria Home Loans
09.2004 - 04.2008
- Conventional, FHA and VA loans
Loan Officer and Loan Processor
KB Home Mortgage
10.2001 - 08.2004
- Same as above
- Conventional, FHA and VA loans
Loan Processor
Altiva Financial
10.1999 - 04.2000
- Same as above
- Conventional, FHA and VA loans
Loan Processor
Travelers Bank & Trust
06.1997 - 09.1999
- Same as above
- Conventional, FHA and VA loans
Loan Processor
Mortgage Capital Resource
12.1994 - 06.1997
- Same as above
- Conventional, FHA and VA loans
Education
Associate of Arts -
Waterson College
West Covina, CASkills
- Professionalism and ethics
- Continuous learning mindset
- Effective communication techniques
- Loan scenario analysis
- FHA guidelines
- Collateral appraisal
- Income calculation
- Attention to detail
- Analytical thinking
- Risk assessment
- Asset evaluation proficiency
- Automated underwriting system (AUS)
Timeline
DE Underwriter, Loan Processor & Loan Officer/NMLS 785880
RMS & Associates
10.2010 - 04.2025
Bookkeeper
Elite Medical Billing
02.2008 - 10.2010
Loan Officer and Loan Processor
Astoria Home Loans
09.2004 - 04.2008
Loan Officer and Loan Processor
KB Home Mortgage
10.2001 - 08.2004
Loan Processor
Altiva Financial
10.1999 - 04.2000
Loan Processor
Travelers Bank & Trust
06.1997 - 09.1999
Loan Processor
Mortgage Capital Resource
12.1994 - 06.1997
Associate of Arts -
Waterson College