Julie E. Kolb

Baltimore, MD

443-***-**** ad0p3q@r.postjobfree.com

Objective: To obtain a position where I can utilize my enthusiastic personality, education in mental health therapy, and customer service skills for the highest and best interest of the client and organization.

Various Real Estate Companies- Real Estate Agent 04/15-present

Lists homes for sale, using a Multiple Listing Service (MLS)

Sharing brokerage listings with other MLS brokers to get buyers to go to listings

Responsible for overseeing real estate transaction skills between buyers & sellers.

Draft contracts and negotiate sale prices on behalf of the client.

Advise home seller on how they can better prepare their home for listings & showing.

Supervise property showings

Report feedback & results of the sale to sellers.

Help buyers locate properties within their desired geographical area, price range & other criteria

Assist buyers when visiting properties

Work with buyers during the sale &/or purchase of their house.

Maintains a good relationship with lenders, appraisers, home inspectors & escrow companies,

Prepare necessary paperwork such as closing statements, deeds, contrasts, purchase agreements & leases.

Compile lists of real estate properties with details regarding their location, square footage and features.

JP Morgan Chase, Columba MD - Mortgage Banker Assistant 08/13 to 11/14

•Supported a team of 4 mortgage bankers

•Coordinated submissions & closings, acted as the primary liaison between customers, realtors, & processing

•Allowed loan officer to concentrate on generating new business; review complex files; identify potential problems with loan applications & arrive at workable solutions prior to submission to processing; manage pipeline, including updating loan officer on pipeline status & updating borrowers & builders on status of loan

•Established & executed marketing campaigns to buyers, sellers, realtors & builders

•Worked to help my team generate new business by attending networking events, coordinating open houses with realtors, & working on business building ideas with the Chamber of Commerce

•Helped the Mortgage Bankers to strengthen their relationships by attending settlements in their place when they couldn’t make it, going with them on realtor appointments, & helping with their home buyer seminars

•Kept my team on track with lead generation & originations by putting procedures in place to make sure they were doing all of their sales activities in order to meet their production goals

•Provided a high level of customer service to both internal & external clients

Primary Residential Mortgage, Timonium, MD- Mortgage Loan Processor 09/12-08/13

•Specialized in processing of grant programs such as CDA, City Lift, CDBG

•Managed a pipeline of 20-30 loans a month

•Focused on getting customers to closing on time & on the money

•Excellent customer service skills, communicate & receive prior to & after initial underwriting to allow the Loan Officers to focus on new business

•Helped maintain open communication with all parties including customers, realtors, & title companies throughout the loan process

•Responsible for meeting RESPA guidelines

•Familiar with FHA & HUD guidelines

Academy Mortgage, Glen Burnie MD - Loan Officer Assistant 05/12-09/12

•Provided administrative support to assigned loan officer

•Served as point of contact for customers to resolve issues/difficulties

•Facilitated application process by working with customers to take complete loan applications

•Requested & reviewed documentation from borrowers, discussed products & pricing

•Coordinated submissions & closings, acted as the primary liaison between customers, realtors, & processing

•Allowed loan officer to concentrate on generating new business; review complex files; identify potential problems with loan applications & arrive at workable solutions prior to submission to processing; manage pipeline, including updating loan officer on pipeline status & updating borrowers & builders on status of loan

•Established & executed marketing campaigns to buyers, sellers, realtors & builders

•Provided a high level of customer service to both internal & external clients

•Assisted loan officer who specialized in builder business & grant programs, helped him build his business using my contacts & connections

1st Preference Mortgage, Timonium MD - Loan Officer 12/11 – 05/12

Primary Residential Mortgage, Timonium MD - Mortgage Loan Officer 11/10 – 12/11

•Originated new purchase & refinance business

•Responsible for organizing & maintaining customer & business partner database & establishing & executing marketing campaigns

•Strong Customer Service, took loan applications, processed credit reports, collected & reviewed financial documents, & gathered estimates

•Worked with title company to establish accurate estimates

•Created & maintained excel spreadsheets to manage pipeline & loan fallout

•Taught homebuyer seminars & seminars on foreclosure & short sales

•Responsible for meeting RESPA guidelines

•Familiar with FHA & HUD guidelines

Bank of America, Timonium MD- Mortgage Loan Coordinator 05/09 to 04/10

•Ability to build & sustain relationships with customers through marketing techniques

•Responsible for distributing marketing materials

•Helped to organize & execute First Time Homebuyer Seminars

•Initial point of contact for customers

•Managed the loan process including collecting additional documents as required by underwriting in order t insure timely closing of loans

•Served as the liaison for the loan center & the customer

•Has thorough understanding & comprehension of the Mortgage Loan Process through closing

•Solid time management skills & the ability to organize, prioritize, & perform multiple tasks simultaneously

•Demonstrate excellent communication & organizational skills

•Strong computer skills including a fundamental understanding of MSOffice applications & database management

•Mortgage sales processing experience

JPMorgan Chase Towson MD - Loan Officer Assistant 12/08 to 05/09

•Provided administrative support to assigned loan officer

•Served as point of contact for customers to resolve issues/difficulties

•Facilitated application process by working with customers to take complete loan applications

•Requested & reviewed documentation from borrowers, discussed products & pricing

•Coordinated submissions & closings, acted as the primary liaison between customers, realtors, & processing

•Allowed loan officer to concentrate on generating new business; review complex files; identify potential problems with loan applications & arrive at workable solutions prior to submission to processing; manage pipeline, including updating loan officer on pipeline status & updating borrowers & builders on status of loan

•Established & executed marketing campaigns to buyers, sellers, realtors & builders

•Provided a high level of customer service to both internal & external clients

Wells Fargo Home Mortgage Towson MD- Mortgage Associate 05/07 to 10/08

•Interaction with title companies, insurance companies, processing & underwriting.

•Working knowledge of conventional &/or government loan lending with an emphasis on purchase loans

•Knowledge of company’s programs, loan terms, underwriting guidelines, features, policies & benefits to customers & business partners. As well as the ability to explain the loan process to customers, including first time home buyers, & business partners.

•PC skills including Microsoft Office Suite, ACT, & the ability to use database marketing.

Assistant Program Director Assistant Operating Engineer Great Scott Broadcasting 10/2001 to 10/2006

Mid-day On-air Personality, Georgetown, DE

•Was the number one most listened to mid-day on-air personality on the shore

•Managed a staff of up to 15 people, experience in recruiting, hiring, training & firing

•Ability to troubleshoot problems & effectively lead in a team environment

•Worked with clients to organize & execute promotional events

•Trained in public speaking as well as commercial writing

Education

Walden University – MS Clinical Mental Health Counseling 09/2021 - Present

Towson University 09/1997 to 12/2000

Bachelor of Science- Business Administration/Marketing

Broadcasting Institute of Maryland- Broadcast Communication 02/2001 to 08/2001

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