JULIE ANN DAVIS
ENGLEWOOD
Summary
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
UW Designations:
FNMA/FHLMC Underwriter
Jumbo Underwriter
FHA DE Underwriter
VA Credit Underwriter
Licensed CO originator
Overview
35
35
years of professional experience
Work History
Regional Underwriting Manager
Cherry Creek Mortgage/division of Guild Mortgage
08.1992 - 03.2025
- Participated in industry conferences and seminars, staying current on emerging trends and technologies impacting the field of mortgage underwriting
- Led a team of underwriters in achieving corporate goals, fostering a collaborative work environment.
- Improved underwriting efficiency by streamlining processes and implementing automation tools.
- Trained junior underwriters on industry best practices, improving overall team performance.
- Reduced turnaround time for policy approvals with thorough risk evaluation and prompt decision making.
- Mentored junior colleagues in their career development journey offering guidance on navigating the industry landscape.
- Ensured efficient workflow management by establishing clear priorities and monitoring progress regularly.
Mortgage Underwriter
BMO (formerly Bank of the West)
02.1990 - 06.1992
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
Education
No Degree - Banking And Finance
Colorado Mountain College
Breckenridge, COSkills
- Current Underwriting Guidelines
- Risk assessment
- Workflow Optimization
- Collaborative Team Management
- Fraud detection
- Effective communication
- Problem solving
- Sales support
- Team leadership
Timeline
Regional Underwriting Manager
Cherry Creek Mortgage/division of Guild Mortgage
08.1992 - 03.2025
Mortgage Underwriter
BMO (formerly Bank of the West)
02.1990 - 06.1992
No Degree - Banking And Finance
Colorado Mountain College
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