JULIO C. BELLO
Jacksonville,FL
Summary
Dynamic and results-driven mortgage industry professional with a proven track record in sales, customer relationship management, and underwriting. Expertise includes risk analysis and mitigation, quality assurance, and compliance to ensure adherence to industry standards. Proficient in analyzing complex financial documents, including tax returns, bank statements, credit reports, and appraisals, with signature authority up to $2 million. Committed to delivering exceptional service while driving business growth and fostering strong client relationships.
Overview
22
22
years of professional experience
Work History
Underwriter
Bayview Asset Management
09.2024 - 09.2025
- Underwrite conventional loans 1st liens and 2nd liens across the Country remote.
- 97 % quality accurate underwriting.
- Underwrite about 5 loan per day.
- Review all initial documentation for conditional and final approval.
- Weekly meeting with underwriters and round tables discussion, weekly meetings with Underwriter Managers
Community Relationship Manager – Commercial Underwriting Division Sales
TRIAD FINANCIAL SERVICES, INC.
11.2022 - 02.2024
- Managed new and established residentials communities of manufactured homes across the United States.
- Reviewed income and assets documentation, business tax returns to establish pre-commercial underwriting.
- Conducted weekly Zoom meetings with all communities and business partners.
- Managed volume loan applications for process and final approval.
- Collaborated directly with Senior Vice President and Vice President on business productions to strategies monthly sales goals.
Senior Underwriter, Retail Division Sales
DIGITAL RISK INC.
05.2019 - 05.2022
- Reviewed and underwrote conventional loans remote prior to closing for Bank of America project.
- Achieved 97% accuracy in all loans purchase and refinances.
- Used extensive knowledge in Automatic Underwriting System DU and LP.
- Reviewed income, credit assets, appraisal, tax returns, rental income, and all self-employed borrowers.
- Followed Bank of America guidelines for federal, state, and investor mandates.
- Focused on risk analysis and mitigation.
- Identified opportunities for continuous quality improvement.
Underwriter, Wholesale Division
BAYVIEW ASSETS MANAGEMENTS
08.2020 - 11.2021
- Underwrote conventional loans for Nationwide Broker affiliated with Bayview Wholesales Division.
- Worked with Account Executives and Brokers on initial underwritten reviews and for final loan approval.
- Exercised Final Sign of Approval Authorization for all loans and conditions, appraisal, title, income assets, credit, etc.
- Met underwriting goals of 45 loans per month with 97% quality and accuracy rates.
- Rank #4 in underwriting productions.
- Used extensive experience with self-employed borrower and investment properties and on FNMA and Freddie Mac guidelines, as well as strict overlay guidelines due to Covid-19.
- (Remote)
Sales Branch Operations Manager, Retail Division
CITY LENDING, INC.
11.2018 - 05.2019
- Spearheaded office openings in Jacksonville and Orlando.
- Partnered with realtors and senior management on business development strategies.
- Functioned as a solutions and consultative seller.
- Aligned all products and services with clients’ needs.
- Worked on FHA, VA, USDA, and conventional loans including underwriting approvals.
Quality Assurance Underwriter II, Wholesale & Retail
STONEHILL GROUP
10.2016 - 01.2018
- Audited a minimum of 8-10 files per day relating to income, credit, assets, collateral, and capacity, maintaining a 97% rate of accuracy for all loan types including FHA, VA, USDA, and conventional.
- Ranked as a top performer for several months during 2019 and 2020, receiving monthly top producer awards.
- Verified calculations and verifications of income and assets, evaluations of credit reports, purchase contracts, appraisals, title commitments, and other loan pertinent documentation.
- Satisfied strict deadlines required per client FHA, VA, USDA, conventional, state, and federal agencies.
- Maintained strict compliance with policies, procedures, and legal mandates.
Home Loan Specialist/Underwriter Level II
BANK OF AMERICA HOME LOAN FULFILLMENT
07.2010 - 02.2016
- Received and processed documents for pre-underwriting modification approval, FHA, VA, conventional signing authority for level II conditions for purchase, refinance, and home equity lines of credits.
- Obtained and utilized level II underwriting authority with 100% compliance and maintained a zero-error rate for FHA, VA, USDA, and conventional loans.
- Handled pipelines of over 40 loans on a paperless system.
- Signature Authority Security Enforcement (SASE) level II
Senior Mortgage Loan Originator, FHA, VA, Conventional
AMERICAN EQUITY MORTGAGE CORP.
01.2008 - 07.2010
- Generated, reviewed, and pre-underwrote mortgage loans for pre-approval.
- Reviewed income, credit, assets, and submitted through Underwriting AUS, LP, or DU.
- Originated mortgage loans for clients outside and inside sales FHA/VA and conventional.
- Worked with all different products, prime, sub-prime, FHA, VA, and conventional for home purchases and refinances.
- Mortgage Licensed Broker NMLS 1022319 (inactive status)
Sales Branch Manager, NMLS 1022319
ALLIED HOME MORTGAGE CAPITAL CORP.
12.2003 - 12.2007
- Generated, reviewed, and underwrote mortgage loans through outside prospects and sources.
- Managed branch office, worked with investors on different mortgage products for loans approvals FHA, VA, conventional, and subprime for home purchases, refinances, and home equity lines of credit.
Education
BA -
University of North Florida
Jacksonville, FLAA -
Hillsborough Community College
Tampa, FLSkills
- Skilled in English and Spanish verbal and written communication
- Skilled in various mortgage software applications, including Encompass
- Skilled in building interpersonal relationships
- Proficient in mortgage operations for 26 years
- Tax income analysis for self-employed borrowers
- Collateral analysis expertise
- Credit analysis proficiency
- Fannie Mae and Freddie Mac underwriting expertise
Languages
Spanish
Professional Working
English
Professional Working
Timeline
Underwriter
Bayview Asset Management
09.2024 - 09.2025
Community Relationship Manager – Commercial Underwriting Division Sales
TRIAD FINANCIAL SERVICES, INC.
11.2022 - 02.2024
Underwriter, Wholesale Division
BAYVIEW ASSETS MANAGEMENTS
08.2020 - 11.2021
Senior Underwriter, Retail Division Sales
DIGITAL RISK INC.
05.2019 - 05.2022
Sales Branch Operations Manager, Retail Division
CITY LENDING, INC.
11.2018 - 05.2019
Quality Assurance Underwriter II, Wholesale & Retail
STONEHILL GROUP
10.2016 - 01.2018
Home Loan Specialist/Underwriter Level II
BANK OF AMERICA HOME LOAN FULFILLMENT
07.2010 - 02.2016
Senior Mortgage Loan Originator, FHA, VA, Conventional
AMERICAN EQUITY MORTGAGE CORP.
01.2008 - 07.2010
Sales Branch Manager, NMLS 1022319
ALLIED HOME MORTGAGE CAPITAL CORP.
12.2003 - 12.2007
BA -
University of North Florida
AA -
Hillsborough Community College
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