Julie Tremblay
Remote Sr. Underwriter at Unified Reliance Wholesale- Claim this Profile
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Bio
Experience
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Unified Reliance Wholesale
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United States
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Financial Services
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1 - 100 Employee
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Remote Sr. Underwriter
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Dec 2020 - Present
Underwrite Conventional and FHA mortgage loans. Underwrite Conventional and FHA mortgage loans.
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Paramount Residential Mortgage Group Inc. (PRMG Inc.)
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United States
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Financial Services
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700 & Above Employee
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DE Underwriter III
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Mar 2018 - Nov 2020
Evaluated FHA, Conventional, Non-conforming, DPA, Bond and USDA mortgage loans which include analysis of complex financials, credit, assets and collateral to ensure accuracy and uphold industry standards • Audited loan documents for regulatory, investor guidelines and overlays through implementation of fraud and compliance detection tools on all loans • Communicated with teams on rationale behind credit decision, other options and build strong internal relationships • Supported and mentored sales teams on new loan scenario questions for potential mortgage loans. Show less
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Remote Sr. Government Underwriter
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Apr 2015 - Jan 2018
• Evaluated FHA, Conventional, Non-conforming, DPA, Bond and USDA mortgage loans which include analysis of complex financials, credit, assets and collateral to ensure accuracy and uphold industry standards • Audited loan documents for regulatory, investor guidelines and overlays through implementation of fraud and compliance detection tools on all loans • Communicated with teams on rationale behind credit decision, other options and build strong internal relationships • Supported and mentored sales teams on new loan scenario questions for potential mortgage loans Show less
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Home American Mortgage
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United States
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Government Underwriter III
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Apr 2012 - Apr 2015
• Analyzed Conventional, FHA, VA, DPA, Bond and USDA mortgage loans which include review of extensive financials, credit, assets and collateral to ensure accuracy and uphold industry standards • Validated loan documents through implementation of fraud and compliance detection tools on all loans • Communicated with teams on rationale behind credit decision and discuss any options • Trained and mentored new Underwriters, Processors and other departments to support company success • Analyzed Conventional, FHA, VA, DPA, Bond and USDA mortgage loans which include review of extensive financials, credit, assets and collateral to ensure accuracy and uphold industry standards • Validated loan documents through implementation of fraud and compliance detection tools on all loans • Communicated with teams on rationale behind credit decision and discuss any options • Trained and mentored new Underwriters, Processors and other departments to support company success
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Vectra Bank Colorado
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United States
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Banking
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300 - 400 Employee
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Sr. Underwriter / Underwriting and QC Manager
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Jan 2009 - Mar 2012
• Managed underwriting and quality control functions including: development of underwriting / quality control policies and procedures, monitoring compliance and mentoring underwriting and post-closing teams • Performed 2nd level underwriting reviews of complex and VA loan files • Analyzed Conventional, Non-Conforming, FHA, VA, Bond, USDA, DPA and CHFA mortgage loans which included review of credit, income, assets and collateral • Insured Government loans through FHAC and monitored insuring reports weekly • Supervised shipping and sale of loans in Post-Closing department. Audited and approved final purchase advices • Responsible for quarterly audits including additional information, rebuttals and final acceptance reports for submission to Auditors. Facilitated annual Investor and FHA re-certifications • Hired and trained new team members for Underwriting and Post-Closing Show less
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Wells Fargo
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United States
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Financial Services
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700 & Above Employee
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Sr. Underwriter III
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Jan 2007 - Jan 2009
• Analyzed Conventional, FHA, DPA and USDA mortgage loans which included review of extensive financials, credit, assets and collateral to ensure accuracy and uphold industry standards • Audited loan documents for regulatory, investor guidelines and overlays through implementation of fraud and compliance detection tools on all loans • Communicated with teams re: credit decision and discuss options as well as building strong relationships • Trained new Underwriters and provided overall performance feedback to management • Implemented formal reports on every aspect of the loan file Show less
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Pinnacle Mortgage Group, Inc.
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United States
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Financial Services
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1 - 100 Employee
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Sr. Mortgage Underwriter / Post Closing Manager
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Oct 2004 - Oct 2007
• Analyzed Conventional and FHA mortgage loans which included evaluating assets, complex income, credit and collateral • Later promoted to Post-Closing Manager. Functions included: Overseeing post-closing department and providing overall support to team • Developed and implemented policies and procedures for department • Daily review and discussion with Sr. Management re: suspensions and status of warehouse line • Facilitated re-negotiations with investors re: salability issues • Collaborated with Sr. Management in obtaining and finalizing Fannie Mae Approval process Show less
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Education
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FHA Active CHUMS
FHA Underwriting -
Grossmont College
Certification, Real Estate law -
VA SAR (previously expired) - finalizing appraisal classes / test cases complete.