JULIE A. STEWART

* ********* *****, **********, ** 11743 • C: 516-***-**** • ad1tn2@r.postjobfree.com L E G A L C O U N S E L

Experienced Counsel Representing Financial Institutions in Commercial and Residential Transactions Accomplished legal counsel with a broad based commercial and residential lending practice representing financial institutions and secondary market investors. Possesses expertise in real estate law, contracts, and regulatory compliance, and manages the full panoply of mortgage servicing issues. Able to provide a multi-disciplinary approach to meet client objectives, that includes transactional, compliance, and litigation services. Handles complex and cutting-edged real estate lending transactions. Works effectively in high-pressure environments.

Member of the New York State Bar

LONGBRIDGE FINANCIAL, LLC Mahwah, NJ

Vice President, Corporate Counsel November 2020 – Present

In-house Corporate Counsel to reverse mortgage lender; Senior management, head of legal department

Originations Compliance- ensure all loans comply with state and federal regulations, including RESPA, ECOA and Fair Lending regulations, and underwriting guidelines; establish policies and procedures and conduct periodic review to ensure compliance procedures are within guidelines.

Proprietary Product Development- collaborate with Business and IT in the development and integration of new proprietary reverse mortgage product; ensure all aspects of proprietary product meet state and federal guidelines.

Contracts – review and negotiation of business contracts, including third-party origination contracts with brokers, principal agents and correspondent lenders; software, sales, marketing, NDA, MSA, SOW, Investor and Subservicing agreements, Intellectual Property, Human Resources, non-compete, non-solicitation, cease and desist, drafting and review of employee offer letters, Attorney engagement letters and all Vendor contracts.

Servicing- monitoring claims and responding to origination facing complaints, title claims, subpoena requests, lawsuits involving loans in active status

Management of outside counsel

GNMA and private label Mortgage Backed Securitizations REVERSE MORTGAGE FUNDING LLC Melville, NY

Legal and Compliance department, Senior Associate Corporate Counsel March 2017 – October 2020 Leading National Mortgage Lender specializing in reverse mortgages including Home Equity Conversion Mortgages (FHA insured) and proprietary reverse mortgages.

Originations Compliance- ensure all loans comply with state and federal regulations, including RESPA, ECOA and Fair Lending regulations, and RMF underwriting guidelines; establish policies and procedures and conduct periodic review to ensure compliance procedures are within guidelines.

Proprietary Product Development- collaborate with Business and IT in the development and integration of a new proprietary reverse mortgage product; ensure all aspects of proprietary product meet state and federal guidelines.

Originations Complaint Management- managing all origination consumer complaints completing full internal review with key stakeholders, providing initial and final response to consumer and preparation of monthly reporting to executives.

Contracts – review and negotiation of third-party contracts with brokers, principal agents and correspondent lenders; drafting and review of Attorney engagement letters and Vendor contracts.

Quality Control- collaborate with Quality Control Manger regarding monthly QC findings and cures; function as Originations Point Specialist; develop policies and procedures based upon repeat findings and evaluate changes for efficacy to produce desired results.

Real Estate Lending Finance & Banking Law Mortgage Backed Securities Residential & Commercial Leasing Contracts Due Diligence Underwriting Regulatory Compliance Litigation B A R A D M I S S I O N

T R A N S A C T I O N A L R E A L E S T A T E E X P E R I E N C E YOON & KIM LLP New York, NY

Attorney February 2016 – March 2017

Boutique Law Firm specializing in real estate contracts and closings, residential and commercial mortgage banking, loan modification and loan workout transactions.

Engaged in all aspects of the firm’s real estate practice, representing individuals and entities in a wide range of residential, mixed-use, and commercial matters.

Experienced counsel to financial institutions and mortgage banks regarding conformance with regulations promulgated by the Consumer Financial Protection Bureau including current TILA-RESPA Integrated Disclosure Rule implementation.

RUBIN & LICATESI, P.C. Garden City, NY

Attorney February 1988 – June 2010

Regional Law Firm specializing in real estate contracts and closings, mortgage banking, residential and commercial loan modifications and loan workout transactions, and residential and commercial foreclosure defenses.

Managed the Real Estate Lending division of the firm, representing lending institutions and individuals in a wide range of residential, mixed-use, and commercial matters.

Represented lenders in various loan transactions including FNMA, FHA, Cooperative, Condominium, reverse mortgage loans, consolidations, modifications, and short-sale workouts.

Provided counsel to mortgage banks and developed policies to ensure legal validity. Assisted in the development of a software application that enabled the firm to customize a loan-closing package to each lender’s needs within state and federal guidelines.

Trained and supervised attorneys, paralegal, and other staff members. INVESTORS CONSULTING GROUP, LLC New York, NY

Attorney December 2013 – January 2016

Investment Consulting Firm that provides file review and due diligence, third party trust asset review, servicer/originator reviews and management, litigation support, and advisory services.

Handled the re-underwriting of mortgage loans that were securitized and sold into the secondary market and ensured that loans complied with program guidelines.

Provided mortgage-backed securities analysis and due diligence review of loans to identify breaches of mortgage loan purchase agreements.

Identified instances of mortgage fraud committed during the origination process, excessive risk, and other misrepresentation in mortgage transactions to assess legal and regulatory compliance in preparation for trial. RECOVCO MORTGAGE MANAGEMENT, LLC New York, NY

Attorney August 2012 – February 2013

Mortgage Management Company providing servicing solutions, valuations, quality control, due diligence, underwriting, fulfillment and auditing services to banks, mortgage companies, and insurance companies.

Ensured that loans were free of possible repurchase issues and in compliance with all laws and regulations.

Provided mortgage-backed securities analysis and due diligence review of loans to identify breaches of mortgage loan purchase agreements.

Drafted repurchase demands and rebuttals, and handled all aspects of quality control auditing, monitoring, and reporting in mortgage loan transactions to assess legal and regulatory compliance in preparation for trial. CADWALADER, WICKERSHAM & TAFT, LLP New York, NY

Global Law Firm with more than 400 attorneys serving a diverse client base, including many of the world's leading financial institutions and corporations in more than 50 countries. Attorney September 2011 – April 2012

Worked on mortgage-backed securities litigation matters brought by major insurance corporation involving claim of fraud, negligent misrepresentation and breach of contract against originator, based on representations and warranties made at the time of origination

Reviewed and revised loan files, collateral notes, deeds of trust, appraisals, credit reports, servicing notes, quality audit files, credit documents, subpoena results, putback letters, and rescission request letters.

Prepared and reviewed expert reports in preparation for trial. M O R T G A G E B A C K E D S E C U R I T I E S E X P E R I E N C E

JULIE A. STEWART C: 516-***-**** • ad1tn2@r.postjobfree.com • Page 3 of 3 HOFSTRA UNIVERSITY SCHOOL OF LAW Hempstead, NY

Juris Doctor May 1988

Hofstra Property Law Journal - Articles Editor

Student Government Association - Treasurer

HOFSTRA UNIVERSITY SCHOOL OF BUSINESS Hempstead, NY Bachelor of Business Administration, cum laude, Marketing/Advertising May 1985

University Bovenaan Award for outstanding service to school – Recipient

Nassau County Bar Association and NYSBA - Member

LEED (Leadership in Energy and Environmental Design) - Green Associate E D U C A T I O N

P R O F E S S I O N A L A S S O C I A T I O N S

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