Julie Jo Cole

**** ** ***** *** *********, WA ***82 360-***-****- Cell

Experience

Evergreen Home Loans July 2015 – August 2017

Regional Senior Processor

Multi – state process for different branches and loan officers all over Washington, Oregon and California

All product lines

Collect all necessary documentation for loan parameters

Review documentation for accuracy

Prepare complete loan file for submission to underwriters

Order necessary documentation such as appraisal, title reports, hazard binder, credit reports and updates

Complete any post closing issues

Killian Pacific April 2010 - June 2015

Director of office Operations

Answer phones

Receive visitors

Prepare refreshments for meetings

Copy, filing, faxing, scanning and filing

Prepare invoices, memos, letters and various spreadsheets

Provide administration for Executive staff and all other staff in office

Manage travel arrangements for staff

Managed 7 staff members schedules including Executive staff

Managed promotional items (ordered, hand branded and putting together gifts)

Managed company perks (Timbers and Thornes tickets)

Document collection and organization (integrity of the file)

Help coordinate and facilitate furnishings and touch ups for startup needs

Project assist with property development

IT support

Payroll

HR

Evergreen Home Loans May 2009 – February 2011

Processor/Closer/Funder

Multi – state process, draw documents and fund all mortgage loans for up to 7 loan officers

Product lines utilized – Conventional, FHA, VA

Managed customer and vender relationships

Collect all necessary documentation to satisfy loan program parameters

Review documentation for accuracy

Prepare complete loan file for submission to underwriters

Order necessary documentation such as appraisal, title reports, credit reports and updates and hazard binder

Complete any post closing issues

Copying, filing, faxing and scanning all types of documents

Laid off due to lack of work

Columbia River Bank January 2008- April 2009

Loan Servicing Supervisor

Supervise and coordinate activities of Loan Servicing staff

Verify completeness and accuracy of employees’ work

Provide on going training on systems & procedures

Prepare monthly and quarterly certifications for the loan operations department

Execute rate changes for all programs used company wide

Oversee insurance tracking, credit reporting disputes, credit verifications, loan file maintenance, loan non posts, payment processing and payoff quotes

Special projects as assigned

Copying, filing, faxing and scanning all types of documents

Create and wrote policies and procedures for the loan servicing department

Company moved its operations to The Dalles, OR and my position was eliminated locally

Adair Financial Services April 2007- January 2008

Processor

Assessed credit worthiness of borrowers and place borrowers in appropriate loan program

Collect all necessary documentation to satisfy loan program parameters

Review documentation for accuracy

Prepare complete loan file for submission to lender and escrow

Utilized construction, construction to perm, and permanent loan products for Adair Home’s customers

Maintain customer and vendor relationships

Copying, filing, faxing and scanning all types of documents

Laid off due to lack of work

Millennium Funding Group October 2006- March 2007

Wet Funder

Prepare loan files to accommodate fundings in wet funding/attorney states

Review loan file for accuracy

Review closing documents for accuracy prior to sending to escrow

Prepare and clear final funding conditions

Distribute funding condition list to escrow agent, processor, or account executive as needed.

Review fully executed closing documents for accuracy

Prepare and balance wire to escrow

Copying, filing, and faxing all types of documents

Company closed down and I was laid off

Burlington Northern Santa Fe March 2006 – October 2006

Administrative Assistant/Clerk

Reconcile and manage monthly budget and actuals for division

Prepare invoices, reports, memos, letters and other documents

Processed Accounts Payables

Make travel arrangements for executives and other staff members

Retrieve and filed corporate documents, records and reports

Provided administrative support for the Division Engineer and six Roadmasters

Run various reports and turn the reports into spreadsheets to be distributed

Request bids from contractors and prepare reports for the Division Engineer

Copying, filing, faxing and scanning all types of documents

Gateway Bank, F.S.B. October 2004 – January 2006

Branch Manager/Branch Operations Manager

Supervised and coordinated activities of operation and sales staff

Verified completeness and accuracy of employee’s work

Provided in depth on going training on systems, procedures, and loan products for sales and operations staff. Provided training for processors within the region

Developed procedures and work flow to ensure files were in compliance, complete, accurate and timely

Served as liaison between the branch and upper management including Regional Manager, Accounting, Human Resources, Information Technology and regional operations staff

Maintained residential 1-4 units lending approval to FNMA/FHLMC limits. Other investor products with LP/DU accept/approve lending approval up to $650,000

Assisted Regional Manager with special projects

Assisted with various Human Resource functions which included, Employee relations, recruiting, compensation and performance management including writing and developing reviews, exit interviews, hiring and firing decisions

Evaluated employees job performance and recommended appropriate action.

Reconciled and managed branch profit and loss. Prepared and distributed bi-monthly commission reports

Copying, filing, faxing and scanning all types of documents

Company closed down the Vancouver branch and I was laid off

Union Planters Mortgage/Gateway Bank Mortgage September 2002 – October 2004

Processor/Closer/Funder/Shipper

Multi – state process, close, fund and ship all mortgage loans for up to 12 loan officers

Product lines utilized – Conventional, FHA, VA, sub-prime, closed end seconds, helocs, construction, and bridge loans

Received authority to clear all funding conditions up to $500,000 loan size

Maintained a low deficiency ratio and high turn ratio

Managed customer and vender relationships

Manager’s duties when needed including but not limited to profit and loss statements and commission reports

Regional trainer for Empower mortgage program

Trained staff and other offices on various computer programs

Prepared invoices, reports, memos, letters and other documents

Copying, filing, and faxing all types of documents

Union Planters Mortgage was bought by Gateway Bank and I was promoted

Tidewater Barge Lines October 1999 – September 2002

Administrative Assistant/Crew Scheduler

Received and processed all scheduled vacation per the labor agreement with the Inland Boatman’s Union and tracked availability of crew with regard to scheduled and unscheduled absences

Coordinated all crewing with dispatch for successful crew changes

Administrative support for the President and Vice President

Prepared agendas and made arrangements for board and other meetings

Coordinated and executed customer and employee events and relations

Retrieved and filed corporate documents, records and reports

Back up for the receptionist and back up for payroll

Maintained promotional program and items

Maintained customer and operator license renewal database

Prepared reports, memos, letters and other documents

Revised and maintained all company forms, union contracts, drug & alcohol policy, company handbooks, etc. Managed, maintained, and distributed tariffs

Copying, filing, and faxing all types of documents

Answered multi-line phones

Software Skills and Programs

Microsoft Office programs – Word, Excel, Powerpoint, Outlook, Publisher, Access

Various mortgage programs – Empower, Mortgageware, Genesis, DataTrac, Point, Byte, E3

Various on-line mortgage programs – Emits, IMPAC, CLOUT, DU, LP

Suretrack

Proficient FHA Connection, VA TAS user

Peoplesoft and ADP ezlabor Management System

Act Program

Premier Navigator and Director

E-Oscar

Encompass

Most programs associated with processing home mortgage loans

Certified Notary

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