Julieann Fare
Grapevine,Texas
Summary
A well-rounded Mortgage Banking Professional, with over 20 years combined experience working in the financial/banking Industry with extensive experience underwriting FHLMC, FNMA, FHA, USDA, Non-QM and Jumbo loans with a 2.5 million-dollar signing authority while ensuring compliance with Federal, State, Local, and Departmental guidelines. Analytical, detail-oriented professional skilled in conducting audits of loan files to identify and mitigate risk as well as to enforce quality control (QC). Adaptive, with good problem-solving skills and a creative outlook towards unfamiliar situations. I am someone that can find balance in a lot of situations and I love what I do!
Overview
10
10
years of professional experience
1
1
Certification
Work History
Claims Specialist Fire Team Managed
State Farm
10.2023 - Current
- Reviewed incoming documentation for completeness prior to processing a claim
- Provided customer service to policyholders and claimants by answering their questions, resolving disputes, and explaining coverage details
- Analyzed claims to determine extent of company's liability and made approval or denial decisions in accordance with policy provisions
- Followed up with customers on unresolved issues.
Senior Appraisal Underwriter
Homepoint Financial
02.2020 - 04.2023
- Provided guidance and assistance to new staff members regarding appraisal underwriting processes
- Investigated discrepancies between reported values and actual market values
- Conducted Appraisal reviews on High Risk loans based on CU/LCA Scores or key risk indicators or as directed by management
- Critically analyzed CU/LCA reports, evaluated and made decisions on appraisal reports in accordance with all agency and investor guidelines and standards.
Closing Underwriter
Homepoint Financial
05.2020 - 02.2022
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Analyzed credit, income, compliance, title documents, and appraisals that were provided PTF, in a fast paced, high volume environment
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Senior Default Specialist/Senior Underwriter
Mr Cooper
10.2019 - 05.2020
- Perform forensic underwriting review of Post closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines with an emphasis on buy-back/put-back possibilities
- Prepare and file all FHA, VA, PMI, and investor claims timely and accurately according to investor/insurer/CMS guidelines and requirements
- Was in responsible for resolving disagreements and negotiating mutually beneficial agreements between Mr. Cooper and Investors, documenting all servicing, action taken, delays, follow-up, and phone conversations in the system notes
- Assisted in the development of standard operating procedures related to quality assurance activities
- Back up Conventional UW for the Underwriting Dept.
Correspondent QC Specialist
Caliber Home Loans, Inc
04.2015 - 10.2019
- Responsible for performing audits of pre-funding and post-closed loans to determine whether approved loans have been underwritten in compliance with underwriting and investor guidelines for Caliber Correspondent Portfolio Loans
- Reviewed Caliber Correspondent, FHA/VA, FNMA/FHLMC/GNMA/JUMBO accounts to ensure that risk, hazards, and exposure were taken into account when making decisions
- Communicated deficiencies to the Underwriting Group and confirmed that corrective action has been taken, documented all action taken, delays, follow-up, and phone conversations in the system notes.
Sr. Mortgage Underwriter
Genpact
04.2014 - 04.2015
- Made informed decisions based on in-depth examinations of financial data including income statements, balance sheets and tax returns to determine borrower's ability to repay the loan
- Reviewed and evaluated loan applications for accuracy, completeness, and compliance with established standards; verified credit histories, employment records, income sources and collateral values
- Ability to prioritize work in order to meet strict deadlines
- Performed manual underwriting when necessary utilizing DU and LP automated decision systems as well as AUS.
Education
ASSOCIATE OF ARTS IN ARTS AND SCIENCES -
Kirkwood Community College
Cedar Rapids, IA01.2003
Skills
- Active Listening
- Fraud Detection
- Complex Problem-Solving
- Microsoft Office
- Calculate Payments
- Analytical and Critical Thinking
- Desktop Underwriter
- Customer Interaction
- Appraisal Reviews
Certification
Property & Casualty License- 2023
Timeline
Claims Specialist Fire Team Managed
State Farm
10.2023 - Current
Closing Underwriter
Homepoint Financial
05.2020 - 02.2022
Senior Appraisal Underwriter
Homepoint Financial
02.2020 - 04.2023
Senior Default Specialist/Senior Underwriter
Mr Cooper
10.2019 - 05.2020
Correspondent QC Specialist
Caliber Home Loans, Inc
04.2015 - 10.2019
Sr. Mortgage Underwriter
Genpact
04.2014 - 04.2015
ASSOCIATE OF ARTS IN ARTS AND SCIENCES -
Kirkwood Community College
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