S. Nicolle Julien

Experienced Loan Processor

Location
Valley Cottage, New York (Greater New York City Area)
Industry
Banking

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S. Nicolle Julien's Overview

Past
Education
Connections

9 connections

S. Nicolle Julien's Summary

A creative support professional with a record of increased responsibility. Proficient in prioritizing and completing tasks in a timely manner, yet flexible to multitask when necessary. Customer focused with diverse industry experience including mortgage, administration, and retail. Enjoys learning new programs and processes. A team player who is attentive to detail and able to work in a fast paced environment. Excellent oral and written communication skills.

S. Nicolle Julien's Experience

Loan Processor

Mortgage Master, Inc.

Privately Held; 501-1000 employees; Financial Services industry

July 2013November 2013 (5 months)

Loan Analyst (Loan Processor)
• Review the mortgage application received from the loan officer. Verify the information identified in the loan origination system. Verify the accuracy of the Good Faith Estimate and Truth-in-Lending disclosure and re-disclose if necessary.
• Identify due dates required to ensure loan is complete and ready for closing. This includes completion of the 21 day letter, commitment letter deadline and the estimated closing date to ensure loan is closed, disbursed and delivered within Investor requirements.
• Review supporting documentation for completeness and consistency with the information indicated on the loan application. Input missing or modified information into the company’s loan origination system. Communicate discrepancies with information and documentation requirements with loan officer.
• Validate information to ensure qualifications are consistent with Investor underwriting guidelines. Determine deadlines required to ensure loan closes within the Purchase and Sale Agreement, rate lock and Investor delivery requirements.
• Complete credit and appraisal analysis for the loan to ensure compliance with Investor and regulatory requirements.
• Maintain accuracy of the company’s database by reviewing and updating information as it is received.
• Prepare commitment letter and provide to the appropriate party for sign-off.
• Pipeline consisted of Conventional, FHA, and VA loans.
• Review all conditions of the loan approval and ensure all conditions are satisfied before submitting the loan to the Closing Department for completion of the closing package.
• Complete all HMDA information to ensure accuracy of HMDA Information prior to submitting the loan to the Closing Department.

Junior Underwriter

Bank of America

Public Company; 10,001+ employees; BAC; Banking industry

June 2012June 2013 (1 year 1 month)

Foreclosure File Reviewer

Bank of America Home Loans

Public Company; 10,001+ employees; BAC; Banking industry

October 2011February 2012 (5 months) Newark, NJ

• Responsible for building foreclosure review files, by accessing multiple systems to obtain copies of documents, gather data and information, and assembling/entering them into the required file or spreadsheet format for subsequent review.
• Review documents to ensure they were completed accurately, or signed if required, in accordance with document specific requirements, Identify and note gaps.
• Ensure most current records or documents are pulled, in accordance with process requirements.

Lead Stock Associate

Ann Taylor LOFT

Public Company; 10,001+ employees; ann; Retail industry

May 2007December 2011 (4 years 8 months)

• Follow proper merchandising presentation guidelines, including organization, sizing and overall product presentations for all in-store merchandising display units on a consistent basis.
• Restock products on the sales floor on an ongoing basis
• Provide clear communication to peers and management regarding product levels and other needs
• Decrease store shrinkage by researching inventory discrepancies, and reporting suspicious activities to loss prevention specialists
• Organize the stock room and ensure that accurate labeling, logical placement, neat arrangement, and cleanliness are maintained
• Assist in other store functions as needed

Mortgage Servicing Specialist I, Foreclosure Referral Review

Bank of America

Public Company; 10,001+ employees; BAC; Banking industry

August 2010July 2011 (1 year) Getzville, NY

• Assisted with training and coaching of associates and/or distribution of work to associates. Obtain consumer credit reports, inspections, surveys, and title work as well as engage in direct contact with customer concerning account(s).
• Reviewed various loans type (Fannie Mae, Freddie Mac, FHA/VA) to determine eligibility for foreclosure, based on delinquency and other varying factors.
• Worked on loans in multiple stages of delinquency, up to and including charged off accounts, Bankruptcy or across various product types

Collector I, Default Servicing

Bank of America

Public Company; 10,001+ employees; BAC; Banking industry

December 2009August 2010 (9 months) Getzville, NY

• Prequalify mortgagors for loan assistance i.e. HAMP (Home Affordable Modification Program).
• Postponed mortgage accounts with upcoming foreclosure sale dates
• Worked an established list of accounts on an automated collections system
• Worked in the Collections/Risk Operations environment and is typically aligned with the routine outbound collections calling process

Student Assistant

University at Buffalo

Educational Institution; 5001-10,000 employees; Higher Education industry

September 2007June 2009 (1 year 10 months)

• Performed general administrative and support duties for the department, including, but not limited to maintaining a variety of files, documents and/or student records for the purpose of documenting and/or providing reliable information. Prepared department communications, by researching, typing, correspondence, and faxes
• Assisted in maintaining student confidential files and compliance paperwork
• Maintenance of candidate records to ensure regulatory compliance
• Assisted with the correction of Grant in Aid Semester Budget Reports
• Assisted in preparing and copying financial aid forms for meetings
• Processed requests (e.g. transcripts, job verification, Scheduling of phone and face-face interviews, purchase orders, etc.) for the purpose of providing required information and/or services.

S. Nicolle Julien's Skills & Expertise

  1. AS400 system
  2. Microsoft Office
  3. Microsoft Excel
  4. Customer Service
  5. Outlook
  6. Access
  7. Data Entry
  8. Balance Sheet
  9. Account Reconciliation
  10. Organization
  11. Filing
  12. Oral & Written Communication Skills
  13. Written Correspondence
  14. Multi Tasking
  15. Highly detail oriented
  16. Fast Learner
  17. Reliability
  18. Research
  19. LPS
  20. Internet
  21. Underwriting
  22. Risk Analysis
  23. Spreadsheets

View All (23) Skills View Fewer Skills

S. Nicolle Julien's Education

University at Buffalo

Bachelor of Arts (BA), Art History, Criticism and Conservation

20052009

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