Julie Seaton
La Mesa,CA
Summary
Patient Access Representative with more than 30 years of combined customer service experience, including 4 years of experience emergency department patient registration. Knowledgeable in insurance verification, patient registration, medical documentation, and payment collection, all while delivering compassionate, patient-centered care in a fast-paced cultured environment. Hardworking and reliable, focused on going above and beyond to support the team with a drive for excellence. Committed to protecting patient privacy, ensuring regulatory compliance, and supporting patients through every stage of the registration process. Motivated to expand my growth in the medical field as a Patient Access Representative, in efforts to fulfill and maintain the organizations highly respectable reputation.
Overview
36
36
years of professional experience
Work History
Access Service Representative
Sharp Healthcare
San Diego
11.2022 - Current
- Secured patient information and confidential medical records in compliance with HIPAA privacy rule standards to protect patient's privacy.
- Collected and entered patient demographic and insurance data into computer database to establish patient's medical record.
- Stayed calm under pressure to and successfully dealt with difficult situations.
- Obtained patient's insurance information and determined eligibility for benefits for specific services rendered.
Senior Mortgage Loan Processor
Newrez LLC
San Diego, CA
04.2014 - 09.2026
- Reviewed loan applications for completeness and accuracy, ensuring compliance with regulatory requirements.
- Proficient in Conventional, Non-Conventional, FHA, VA, USDA, Non-QM, Second Mortgage programs
- Collected and verified borrower documentation, facilitating timely processing of mortgage applications.
- Communicated effectively with clients and stakeholders to resolve inquiries and provide updates on application status.
- Organized loan files systematically to streamline processing workflows and improve overall efficiency.
- Assisted in preparing closing disclosures, ensuring precision in financial details for client review.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Prepared file for final clear-to-close by branch management.
Senior Loan Processor
National Residential
San Diego, CA
04.2012 - 03.2014
- Knowledgeable in various loan programs such as: Conventional, FHA, VA, USDA and Bond loans
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for loan officers and applicants.
- Analyze AUS findings and request documentation needed for loan approval
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers to answer questions, process transactions and resolve issues.
- Prepare initial loan file by opening Escrow and Title, ordering appraisals, ordering FHA and VA Case numbers
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Manage lock expiration, close of escrow and contingency removal dates to ensure commitments are met and loans close on time
HSS Level 1 Underwriter/Loan Processor
Bank Of America
San Diego, Ca
07.2008 - 03.2012
- Knowledgeable in various loan programs such as: Conventional, FHA, VA, USDA and Bond loans
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Analyze AUS findings and request documentation needed for loan approval
- Prepare initial loan file by opening Escrow and Title, ordering appraisals, ordering FHA and VA Case numbers
- Worked with customers to answer questions, process transactions and resolve issues.
- Requested documentation from all parties and verified that it meets condition requirements.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Manage lock expiration, close of escrow and contingency removal dates to ensure commitments are met and loans close on time
Closer
Security National
San Diego, CA
01.2008 - 06.2008
- Collaborated with Escrow Companies and Mortgage Brokers on generating loan documents.
- Package and set up courier pick up for documents to be signed and notarized.
- Validated and audited final signed documents in accordance with state, county and investor guidelines.
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
- Completed post-closing quality control evaluations to ensure completeness and ready to ship to investor
Closing Manager
Countrywide Home Loans
San Diego, CA
06.1990 - 10.2007
- Manage team of Closers and Post-Closing auditors
- Conducted human resource functions for team such as: time cards approvals, time off requests, team coverage and employee performance reports
- Handle all rushes and urgent matters involving department
- Conduct training meetings for branch on new procedures for department
- Train all new staff on company policies and procedures with drawing loan documents, closing and post-closing procedures.
- Ensure all lock expiration and close of escrow dates are being met
- Process all corporate post-closing requests and validate whether additional training was needed for all members of team
Education
High School Diploma -
Daviess County High School
Owensboro, Ky05-1986
Skills
- Patient confidentiality
- Insurance verification
- Medical terminology
- Eligibility determination
- Healthcare systemsEpic, OneSource, Noridian, MPV
- Knowledge of Medicare Secondary Payer
- Knowledge of Medicare - outpatient observation notice
- Knowledge of Tricare third party liability
- Information collection
- Fee collection / payment processing
- Customer service
- Problem-solving
- Friendly and outgoing
- Multitasking and organization
- Team collaboration
- HIPAA compliance
- Registration and admissions
- Patient check-in
- Data entry
Timeline
Access Service Representative
Sharp Healthcare
11.2022 - Current
Senior Mortgage Loan Processor
Newrez LLC
04.2014 - 09.2026
Senior Loan Processor
National Residential
04.2012 - 03.2014
HSS Level 1 Underwriter/Loan Processor
Bank Of America
07.2008 - 03.2012
Closer
Security National
01.2008 - 06.2008
Closing Manager
Countrywide Home Loans
06.1990 - 10.2007
High School Diploma -
Daviess County High School