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Quality Assurance Professional Experience

Rialto, California, United States
January 11, 2017

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Julius Scott

*** *. ******** ******, ** 92376 909-***-****

Summary of Qualifications

Highly motivated and results-oriented business professional with 10+ years of experience inside the financial industry – demonstrating full settlement authority in face-to-face mediation or in adversarial telephonic conferences that have high-level reputational risk. Experience in evaluating risk and analyzing account information, including business/personal financial statements and tax returns. Outstanding experience in making underwriting decisions based on credit policy and investor guidelines. Dedicated to achieving satisfaction that meets or exceeds company expectations while leveraging professionalism and integrity. Recognized as a visionary and creative thinker adept at conceptualizing, defining, and making decisions in live mediation hearings.

Exceptional Interpersonal and Communication Skills – Proficient in promoting confidence and maintaining strategic business relationships while interfacing positively with partners in regards to complex business issues.

Problem Solving – Proven ability to troubleshoot client issues and develop timely solutions to financial and business challenges. Successfully manages change for improved performance and greater team efficiency.

Work Ethic and Professionalism – Solid professional standards and an excellent track record of dependability. Maintains focus on achieving bottom line results while formulating business strategies to mitigate risk.

Professional Experience

Wells Fargo Home Mortgage San Bernardino, CA

Mediation Consultant, AVP (Loss Mitigation) 2012 – 2016

Made on-the-spot decisions in live mediation hearings in compliance with established investor guidelines. Appeared prepared with full settlement authority while acting as a final decision maker.

Responsibilities included: performing risk evaluation and formulating/implementing strategic workout strategies. Expertly analyzed complex business and personal financial statements and tax returns.

Created underwriting decisions based on current credit policy and investor guidelines. Worked with in-house and outside counsel during both mediation and litigation. Formulated strategies to mitigate risk.

Review different types of incomes: S Corporations, Partnerships, Sole Proprietorship, Rental income, wage earners, fixed income

Was familiar with Fannie Mae, Freddie Mac, and Wells Fargo private loans guidelines for Loss mitigation.

Check that chain of title meets investor requirements Verify there are no unpaid liens or judgements and that all mortgage liens being paid off through the transaction.

Wells Fargo Home Mortgage San Bernardino, CA Loss Mitigation Underwriter II 2009 – 2012

Utilized expertise in reviewing, negotiating, and adjusting a portfolio of complex and delinquent problem loans or high-level collateralized accounts, which required special handling or analysis.

Created underwriting decisions based on current credit policy and investor guidelines.

Maintained quality and consistently met quality assurance of having less than 10% material defect rate

Monitored loans structured and priced with Bank policy, investor guidelines, and bank regulations.

Deeply experienced in negotiating with the borrower and/or attorney to determine workout solutions.

Conducted/completed tasks pertaining to the reconciliation and collection of delinquent client accounts.

Level C / $1,000,000 singing authority

Review title to verify our borrower has ownership on a refinance transaction and that the seller has ownership for purchase transaction.

Lotus Capital Mortgage Grand Terrance, CA

Loan Processor 2005 – 2008

Was responsible for underwrite and decision files based off of recommended program requirements.

Reviewed individual case load for required documents with a strong focus on quality and risk management. Interacted with Account Managers, Underwriters, Escrow/Title Officers, and Appraisers.

Ordered all required verification, documentation, credit reports, property appraisals, escrow, and title.

Provided leadership in researching new mortgage lenders for updated and enhanced loan products.

Demonstrated ability in providing management with creative ideas in the sell process to close loans faster.

Ensured loans were structured and priced within bank policies, investor guidelines, and set regulations.

Aames Home Loan Ontario, CA

Loan Originator 2004 - 2005

Ensured loans were structured and priced within bank policies, investor guidelines, and set regulations.

Review debt to income to determine proper eligibility

Completed 1003 and credit report forms.

Order Credit Reports and gather property comparable (Internet comps and Appraisal Company comps).

Made customer call-backs / follow-ups, commute to client for personal document pick ups


Fannie Mae/Freddie Mac/Bank and Private, FHA

Underwrite Bankruptcy loans

Level C Signing Authority


Webtrack/ Work rules/ Clara


LPS Desktop / Fidelity

Conventional, Sub prime

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