Julie Fox 16994 Kawai Ct. Fountain Valley, Ca 92708 714- 846-2369 jf15e8036@westpost.

net Objective: To secure a rewarding long-term position in Mortgage Banking utiliz ing my experience, expertise and customer service skills where there is opportun ity contribute and grow with a company that stands for excellence and integrity. Overview: Superior customer service skills and highly effective communication 20+ years of experience of Residential Underwriting risk evaluation 7 plus years of Leadership/Management experience Excellent work ethic, high leve l of integrity, and a team player, make-sense underwriting $650,000 - $1,000,000 single signing authority Expert using AUS systems: DU (Scorecard), Clout, Asset wise, LP, and other proprietary Expert analysis of 1040's, 1120's, 1120S, 1065, K-1 and all federal income tax schedules Excellent analysis of Collateral, Cond o, PUD, Detached Condo, and 2-4 Units - Nationally Strong Quality Control analy sis, research skills for fraud prevention 15+ years of experience training proce ssors, underwriters, loan officers and other positions Understanding of complian ce laws and federal regulations Certified Contract Underwriter with RMIC, TRIAD, Genworth (GE) and Radian Excellent audit results - all loans saleable or insu rable Direct Endorsement Designation - Current Good Standing with HUD since 1996 2008 FHA Direct Endorsement Underwriters Training 4-15 thru 4-17, Las Vegas, NV Familiar with VA loans, Community 2nd's and MCC programs Work Experience: November 2010 to Present Sr. Residential Underwriter/DE Underwriter Pinnacle Capital dba Alpine Mortgage Planning, Irvine, CA Responsible for Underwriting FHA, VA and Conventional loans at a new Retail Bran ch opened in February 2010. Work very closely with the Loan Consultants and pro cessing staff to structure purchase transactions for closing. Branch production consisted of mostly purchase transactions from the local real estate community. February 2010 to November 2010 Sr. Residential Underwriter/DE Underwriter Cashcall, Inc., Anaheim, CA Responsible for Underwriting and submitting Retail pre-closing test cases to HUD /FHA Santa Ana Home Owner Center (SAHOC) for firm commitment review and to secur e delegated underwriting status with FHA on behalf of the company. Obtained Unco nditional DE Delegation 7/8/10 for Cash Call. Underwrite Retail Conventional and FHA loans - Front Line Underwriting Production. June 2008 thru February 2010 Investigation Specialist - Loss Mitigation Genworth Financial, Raleigh, North Carolina Invited by Genworth to work on the Investigations Team remotely, based on a long history of contracting with the company with excellent performance and audit re sults. Duties include investigating closed loans in default or foreclosure claim s for material misrepresentation to prevent losses on behalf of Genworth. Order retro BPO, Enhanced Appraisal Reviews, Social Security number traces, Current Cr edit, Re-verifications and PI reports. Utilizing Adobe Writer for all paperless work, manage a pipeline of 100 files, manage all reporting and email/Adobe proce ssing, and present professional recommendation for rescission of coverage when e ver possible. 2008 this division saved the company $1.6 Billion in losses. In Ma rch 2009, out of 125 contract personnel, was selected to serve on a special proj ect with seven other Investigators on Lot Loans Genworth insured for a major ban

k. March 07 to September 07 Sr. Contract Underwriter Genworth Financial (GEMI), Irvine, CA On site at Bank of America in Brea, Ca to underwrite national loans originated f rom Retail Banking Branch. Initial applications referred to underwriting from Bo fA up front system Conventional conforming, fixed, ARM, piggyback, non-conformin g, interest only, etc. All manual underwriting on paperless system August '06 to December 29, 2006 Sr. Wholesale Contract Underwriter 1st Choice M ortgage, Laguna Hills, CA (out of business) Underwrote initial submissions from national approved brokers Alt-A, Pay-Option ARM, 5 Year Option ARM, Sub-Prime, and A products Run all Q.C. systems and/or r esearch required by Senior Management including DISSCO, Lexis, Real Quest, Value Trend and conduct borrower interview. Manual risk evaluation underwriting requ ired: credit, collateral, payment shock benefit to borrower, Calyx-Point and Da tatrac systems May '06 to July '06 Sr. Wholesale Contract Underwriter Mortgage Investor's Group, Irvine, CA (out o f business) Underwrote initial submissions from national approved brokers. Singl e signing authority to $1,000,000 on A and Alt-A products. Responsible for condi tions, re-works and counter offers. November '05 to May '06 Sr. Retail Underwriter Security Mortgage Funding, Orange, CA Underwrote retail loans received from six local Real Estate Sales offices owned by Security Mortgage Communicate effectively with processors, managers and Loan Officers and assist with processing Delegated Correspondent with Countrywide on ly - signing authority to $650,000 Responsible for previewing files to be submit ted to outside lenders for closing - brokered loans Calyx-Point and Datatrac sys tems Conduct training for processing staff regarding appraisals (all conforming property types), Correct disclosure input and compliance, general underwriting guidelines Audit GFE vs. Estimated HUD1 for closing documents on all loan (Doc p rep function) January '05 to May '05 Sr. Contract Underwriter Genworth (GEMI), Irvine, CA On site Wholesale Underwriter for GE customer (Chase Wholesale - Out of Business ) Underwrote wholesale loans from national approved brokers $650,000 signing autho rity, 100% CLTV and all MI products Required to submit five random packages per month to GEMI for Audit - 100% accepted Required to attend compliance and produc t training and testing on a regular basis. Underwrote 5-6 new files (pre-approva ls) & 7-10 re-underwrites and/or conditions, daily July '04 to January '05 Team Manager Aurora Loan Services, Irvine, CA (out of business) Managed team of 14 people including, team assistant, set-up, Jr. Underwriters, S r. Underwriters, doc prep, funder and Account Executives. Monitored each person' s performance, job duties, bi-annual reviews and year-end bonus based on evaluat ion. Conducted weekly team meetings with all staff for information and training . Responsible for turn times, pipeline management, locks, phone coverage, file f low, and hold files. Met requirement of the team to build the closings to 200 un its per month accomplished within 90 days of hire. May '02 to July '04 Operations Manager/Assistant Vice President Farmers and Merchants Bank, Long Bea ch, CA

Created new Residential Lending Division Successfully closed and sold 232 loans for $50,000,000 in business the first year. Completed bank compliance training i ncluding HMDA, OFAC, SAR, and REG Z. Performed all functions of the process from opening, underwriting, docs, funding, shipping, and purchase. Delegated with WA MU, RFC, InterFirst, Flagstar, Aurora, New Century Managed staff of four to six and a pipeline of 140, bank branch originations, no Loan Officers. November '01 to May '02 Sr. Contract Underwriter, GEMI (Genworth), Irvine, CA, on site at Capitol Commer ce August '00 to October '01 Sr. Retail Underwriter/Underwriting Trainer, Ditech, Costa Mesa, CA May '98 to August '00 Sr. Contract Underwriter PMI Mortgage Insurance, Santa Ana, CA, on site at Flagstar Bank April 96-May 98 Sr. Underwriter, Countrywide Wholesale, on site exclusively at RPM Mortgage Education: Fullerton College California Real Estate Sales Licensee 13 years Institute of Financial Education - Appraisal and Supervisory Management MGIC Appraisal and Self-employed income analysis FNMA - Condo certification program Calyx-Point - Software training MERS - Software training GE - Compliance ALS - Fraud Prevention Countrywide - Direct Endorsement/FHA underwriting training - 1997 April 17, 2008: Direct Endorsement 3 day training, Las Vegas, Santa Ana HUD