Julia Cook Email & Phone Number

Vienna, Va, Us

Ann Arbor, Michigan, Us

Responsible for planning, designing, monitoring, and implementing risk management processes and programs to mature and maintain the Enterprise Risk framework for all departments across Homepoint using the COSO Framework. Implemented a new Governance, Risk and Compliance (GRC) tool for the organization. Prepare risk detail for Risk and Audit Committees in digestible format. Manage Homepoint's Issues Management Program and the Policy and Procedure Program. Established operational loss events program, model risk management policies, and Enterprise Risk appetites and assessments. Perform annual Enterprise and Fraud Risk Assessments and contribute towards enhancing privacy program. Engaged in the oversight of SOC1 and SOX exams.

Ann Arbor, Michigan, Us

San Francisco, California, Us

Led a team of risk consultants responsible for managing the development, implementation and monitoring of risk-based programs with moderate to high risk for the mortgage servicing process. Handled large volume of issues within the issue management process. Provided operational risk expertise for business projects and initiatives and participated in the development of risk rating systems. Represented the operations teams during risk and control self-assessment (RCSA) projects. Responsible for developing and providing responses to Internal Audit, external audit and regulatory inquiries.

San Francisco, California, Us

Led a team of up to 200 servicing underwriters and leaders located throughout the country to make quality mortgage underwriting decisions by using credit risk-based approach. Responded to and monitored internal and external audits. Partnered with many business lines to ensure both potential gaps and controls were in place. Regularly reported on trends, business data, etc. to senior leadership.

San Francisco, California, Us

Led a team of 45 default servicing underwriters and leaders focusing on FHA and private portfolios. Inspected performance for both quality and production and provided coaching as necessary. Identified operational opportunities across business lines, managed risk and influenced positive change.

San Francisco, California, Us

Led a team of 10 servicing underwriters delegated in both FHA and the Private Portfolios. Managed quality, production and risk and provided support to front-line team members. Coordinated the interviewing and hiring of over 75 underwriters.

San Francisco, California, Us

Responsible for reviewing consumer income and credit profiles and making recommendations to approve or deny consumer applications for new conventional mortgage loans. Also experienced in making decisions to approve or deny consumer requests for mortgage loan modifications.