JULIE S. BORDELON

*** **** ***** ****

Sparta, GA 31087

404-***-****

abhz4x@r.postjobfree.com

MORTGAGE LOAN UNDERWRITING

QC Review Underwriter (forensic) LPS Credit Risk

Solutions 6/2010 - 12/2010

. Quality Control second level reviews of files underwritten on behalf

of FNMA to identify repurchase opportunities. Re-verified and

performed additional research as required to support significant

findings. Reviewed, edited and drafted narrative responses with

appropriate documentation to support.

. Quality Control second level review of files underwritten for major

lenders to prepare responses to GSE repurchase demands. Re-verified

and performed additional research to support appeals or approvals if

appropriate. Reviewed, edited and drafted narratives with appropriate

supporting documentation.

. Analyzed files in a paperless environment for compliance with specific

program guidelines and automated underwriting findings (AUS) if

applicable. Applied traditional underwriting methods to determine

delivery eligibility for files outside of AUS compliance.

. Performed file research utilizing services such as Lexis Nexis, SiteX

and public records to support findings.

. Performed extensive research and drafted final narratives to respond

to GSE repurchase demands for more than 200 loans secured by

properties in alleged condo hotel projects.

. Conducted one-on-one training for new underwriters from first day of

employment until release into the production setting.

. Developed training materials and job aids for new project rollout.

Assisted with presentation of training for underwriting staff.

. Ten files per day average production volume.

Sr. Compliance Underwriter Republic Mortgage Insurance Company (RMIC)

12/1993 - 6/2002

. Analyzed credit, collateral, capacity and overall layering of

risk to grant mortgage approvals for high loan to value and

other complex cases such as self employed borrowers, investor

transactions and multi-family properties.

. Prepared and presented loan counteroffers as needed based on in

depth analysis of file strengths, weaknesses and compensating

factors while complying with established program guidelines.

. Strong experience in tax return analysis, identification of

fraud and misrepresentation and appraisal review.

. Extensive experience with Desktop Underwriter/Desktop

Originator, Loan Prospector and other proprietary systems such

as AssetWise, Clues and eMits.

. Conducted training for clients in tax return analysis, credit scoring,

loan origination and processing techniques and mortgage loan

fundamentals.

RLC Underwriter / Processing Center Manager Wachovia Mtg. Co.

2/1987 - 7/1993

. Underwrote loans originated by Wachovia Bank offices throughout

Georgia for compliance utilizing traditional underwriting guidelines.

Performed tax return analysis, appraisal review and prepared credit

counteroffers based on complete file review.

. Reviewed and approved prior to closing (PTC) conditions and executed

funding checks for all loans cleared to close.

. Managed operations for Georgia processing center with as many as 30

direct reports including loan processors, underwriters and support

staff.

. Supervised ongoing training and development of processing staff.

Prepared and conducted annual performance reviews.

. Conducted interviews and selected new candidates for underwriting,

processing and support staff.

. Obtained FHA Direct Endorsement certification.

ADDITIONAL RELATED EXPERIENCE

President / Mortgage Broker Marathon Mortgage

Company LLC 11/2006 - 9/2008

. Originated and processed a full range of first and second mortgage

loans.

. Packaged loans for delivery to wholesale lenders utilizing traditional

underwriting methods as well as Desktop Underwriter, Loan Prospector,

Clues and other lender proprietary systems. Enjoyed a 100 percent

approval rate utilizing strong underwriting skills and extensive

guideline knowledge.

. Marketed, developed and maintained a client base through a variety of

strategies including networking with business and civic groups, mail

out campaigns and business to business events. Supported a strong

referral base of clients.

. Ensured compliance with all federal, state and local regulations while

managing quality control and wholesale lender accountability

requirements.

. Monitored production pipeline for pricing and pull-through.

Loan Officer and Processor

Checkpoint Mortgage 6/2002 - 12/2006

. Originated and processed a full range of first and second mortgage

loans

. Packaged loans for delivery to wholesale lenders utilizing traditional

underwriting methods as well as Desktop Underwriter, Loan Prospector,

Clues and other lender proprietary systems. Enjoyed a 100 percent

approval rate utilizing strong underwriting skills and extensive

guideline knowledge.

. Sales and marketing to potential loan clients, counseling and pre-

qualifying applicants and facilitating loans from application through

closing.

. Processed loan applications for other loan officers.

Contracts Negotiator

Duffy Realty 11/2009 - 6/2010

. Reviewed and processed incoming real estate offers for a Top Five

listing broker in Georgia (over 1,000 active listings) in a paperless

environment.

. Presented all offers to listing clients and facilitated contract

negotiations between our office on behalf of our client and the

selling broker.

. Monitored the status of offers and counteroffers through binding

agreement.

. Facilitated additional negotiations as necessary related to home

inspections, appraisal deficiencies and closing / possession dates.

FHA Certified Reverse Mortgage Counselor Counseling

Reverse Corp. 4/2009 - 9/2009

. Conducted FHA mandated independent counseling by telephone to senior

borrowers considering a reverse mortgage utilizing established

protocols.

. Answered questions and analyzed information to assist borrowers in the

decision making process.

Reverse Mortgage Consultant Generation Mortgage

Company 12/2008 - 3/2009

. Received incoming live lead transfers from prospective reverse

mortgage applicants and converted those calls to loan application.

. Facilitated those loan applications through closing, coordinating with

borrowers, loan processing staff and closing agents.

GA Real Estate Sales Licensee #315257 (inactive)

Former GA Mortgage Broker licensee #21956

Professional references available upon request

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