Hi, I’m
Christine Miller
Clawson,MI
Every problem is a gift—without problems we would not grow.
Tony Robbins
Summary
Financial professional with comprehensive background in lending and financial solutions. Expertise in risk assessment and client relationship management. Esteemed for collaborative teamwork and adaptability to shifting priorities. Known for analytical skills and customer service orientation.
Knowledgeable Certified Lender with solid background in lending and financial services. Proven ability to build strong client relationships and provide effective financial solutions and experienced with loan origination, risk assessment, and client consultation. Utilizes strong analytical and communication skills to deliver tailored financial solutions.
Focused on team collaboration and delivering results, adapting seamlessly to changing demands. Known for analytical thinking, problem-solving abilities, and effective communication.
Overview
16
years of professional experience
1
Certificate
Work History
Flagstar Bank
Lender Advocate-Bank Officer
01.2018 - 01.2025
Job overview
- Increased loan approvals by efficiently evaluating and processing loan applications.
- Measured performance and coached over 600 Certified Lenders, resulting in a 20% increase in loan approvals
- Analyzed clients'' financial health by thoroughly reviewing credit reports, income statements, and other relevant documentation before approving loans.
- Identify efficiencies, opportunities for process improvement and recommend solutions.
- Provided training and mentorship to over 1000 new lenders, fostering a collaborative team environment focused on exceptional customer service.
- Collaborated with underwriters and credit analysts to ensure accurate risk assessment for loan approvals.
- Optimized internal processes through regular review of policies, procedures, and guidelines related to lending operations.
- Addressed Certified Lenders concerns promptly and professionally, resolving issues efficiently to maintain high levels of customer satisfaction.
- Ensured compliance with all federal, state, and local regulations governing the lending industry while managing risk exposure effectively.
Flagstar Bank
Senior HFI Portfolio Oversight Analyst
01.2014 - 01.2018
Job overview
- Gathering and analyzing data, presenting data to senior management, managing projects and process enhancement recommendations
- Liaison for the HFI charge off portfolio including addressing summons/judgments
- Compiling and distributing as a subject matter expert internal, external, and regulatory audit responses.
- Conducted in-depth research, uncovering opportunities for process improvements.
- Established data governance policies to maintain data quality and security.
FLAGSTAR Bank
REPURCHASE ANALYST /CLAIMS MITIGATION
01.2009 - 01.2014
Job overview
- Filed Suspicious Activity Reports through the Fraud Investigative Unit
- Obtain prelim and final figures from sub-services and Flagstar, review documents for accuracy to ensure file will balance and prepare for repurchase
- Imputing Repurchased Demands from all servicers
- Funder 2009: Mortgage Fulfillment Operations includes Wholesale, Retail and Correspondent Lending
- Analyze all post-closing packages to verify the existence and accuracy of information relevant to the loan
- Enhanced data accuracy by performing comprehensive analyses of datasets.
Education
Oakland Community CollegeRoyal Oak, MI
Business Management
09.1991
University Overview
no degree obtained
Skills
- Debt Reorganization Solutions
- Underwriting Proficiency
- Portfolio management
- Customer service-focused
- Friendly
- Loan servicing
- Consumer lending
- Mortgage lending
- Underwriting support
- Teamwork and collaboration
Certification
- NMLS
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Lender Advocate-Bank Officer
Flagstar Bank
01.2018 - 01.2025
Senior HFI Portfolio Oversight Analyst
Flagstar Bank
01.2014 - 01.2018
REPURCHASE ANALYST /CLAIMS MITIGATION
FLAGSTAR Bank
01.2009 - 01.2014
Oakland Community College
Business Management
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