JULIE ANNE RIEDEL

Granada Hills, CA *****

***--***--**** - ad2vf4@r.postjobfree.com

PROFESSIONAL SUMMARY

Looking to provide excellent knowledge and demonstrate strong performance with a focus on collaboration with other teammates, driving operational excellence and the ability to influence leaders, peers and the customers. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. SKILLS

● Detail orientated residential,

commercial, and construction, Senior

Underwriter with over 20 years of

experience, with expertise in

performing credit, income, and

collateral assessment. Especially

skilled in mitigating and evaluating

risk. Collaborates well with all parties

to produce high quality loan

experience for all parties

● Strong verbal and written

communication skills

● Strong decision making and analytical

expertise

● Highly experienced in supporting

department managers with second

signs, appraisal reviews, and over flow

back-up

WORK HISTORY

03/2022 to 08/2023 COMMERCIAL LOAN SPECIALIST

FIRST REPUBLIC BANK – Century City, CA

● Underwrote Commercial loans in accordance with the Bank's credit policies and procedures

● Prepared loan approvals based on borrower history/ experience, historical and projected financial statements, tax return analysis, credit review, collateral, loan structure and pricing

● Underwrote ground-up, bridge, and renovation construction loans

● Assisted management in structuring new loans and 2nd sign reviews

● Managed up to 85 client loans at any given time

03/2021 to 03/2022 UNDERWRITER III

GUILD MORTGAGE – Nevada City, CA

● Underwrote a wide variety of product and loan types to ensure compliance with bank, investor and secondary market standards

● Reviewed more complex loans requiring exceptions (analysis of Jumbo loans), highly complex tax return analysis, layered risk, and participation loans (assisted management with overflow)

● Maintained excellent loan quality while exceeding the monthly goal by 25%, putting me as top underwriter

12/2018 to 03/2021 SENIOR UNDERWRITER III

CIVIC FINANCIAL SERVICES – Redondo Beach, CA

● Underwrote up to 5 new construction loans per day, signed off underwriter closing conditions on up to 8 files per day

● Focused on working capital and new worth to determine if the contractor can manage short-term assets and cash flow in a way that satisfies future debt while building the net worth reserve

● Reviewed total project cost, land costs, hard costs, soft costs, and contingency reserve for construction projects

04/2014 to 12/2018 SENIOR CREDIT UNDERWRITER

GENESIS CAPITAL, A Subsidiary Of Goldman Sachs – Woodland Hills, CA

● Underwrote ground-up construction, renovation, bridge and commercial loans

● Approved all collateral, escrow, and title documents

● Assisted in training new underwriters

● Evaluated financial strength of properties to determine any risk

● Provided back-up support for Underwriting Manager

● Achieved the highest loan funding rate with a 4-member team 06/2010 to 04/2014 SENIOR UNDERWRITER

CALIFORNIA CREDIT UNION – Glendale, CA

● Underwrote conventional, jumbo, multiple borrower participation, Commercial Syndication loans with signing authority of $15 Million

● Assisted management in writing portfolio guidelines

● Achieved over the monthly goal by minimum of over 15% EDUCATION

Expected in 05/2024 Bachelor of Science: Business Finance Post University - Online

Minor: Business Information Systems

● Dean's List (2022 & 2023)

● GPA 3.9

Expected in 12/2024 Certifications : Residential And Commercial Underwriting National Association Mortgage Underwriters (NAMU) - Online CERTIFICATIONS

● Complex Personal and Business Tax Return Analysis

● Advance review of residential and commercial appraisals

● Commercial Underwriting courses (in-depth review of rent rolls, leases, balance sheets, income statements and tax returns

● Government Underwriting

● Maintain a current understanding of bank underwriting guidelines, policies, procedures and compliance

LEADERSHIP AWARDS

● Received several Top Underwriter awards as well as Top Team awards for highest number of units funded and highest dollar amount funded

● Received several “You Matter Awards” from management and staff at Guild Mortgage

ADDITIONAL INFORMATION

Encompass (15+ years), Calyx Point (10+ years), Point Central (5+ years), Data Track

(10+ Years), Mortgage Flex (10+ years), Contour (10+ years), Blitzdocs (10+ years), PowerLender (5+ years), March 2013 to Present, March 2013 to Present

Contact this candidate