Khristine Dieck
North Branch,MI
Summary
Highly motivated professional with extensive experience and skills, seeking to utilize them for organizational improvement, personal development, and future growth. Known for exceptional research and organizational abilities, adept at prioritizing tasks and meeting deadlines. Demonstrates a consistent track record of delivering exceptional results, both independently and as a collaborative team member. Possesses proven technical, written, and communication skills that have been invaluable in driving departmental growth.
Overview
31
31
years of professional experience
Work History
Quality Control Specialist
Flagstar Bank
05.2014 - 04.2025
- Reviewed pre-funded; early payment default, assumption and denied underwritten loans performed by Flagstar and Contract underwriters to ensure loan quality and provide detailed recommendations identifying any errors and fraud related issues to underwriters and managers to ensure there are no material/procedural issues that would cause an investor repurchase demand
- Collaborated with cross-functional teams to ensure consistent adherence to quality standards across all products.
- Initiated process improvements that led to reduced waste and increased production efficiency.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Streamlined the quality control process, resulting in faster turnaround times for product releases.
- Enhanced product quality by implementing rigorous testing procedures and identifying areas for improvement.
- Reported problems and concerns to management.
Claims Mitigation Auditor / Delegated Auditor
Flagstar Bank
06.2011 - 04.2014
- Responded to agency/investor and MI company repurchase demands
- Prepared detailed repurchase recommendations, identifying errors and fraud related issues
- Consistently exceeded department appeal success rate
- Reviewed closed Delegated underwritten loans to ensure loan quality and provide the Delegated customer with detailed recommendations identifying errors and fraud related issues to avoid investor repurchase demands
- Provide assistance to Delegated customers to ensure a quick turnaround time for aged loans
- Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
- Followed established auditing processes to meet internal and regulatory requirements.
- Reduced the risk of fraud by implementing effective internal controls and monitoring systems.
- Collaborated with cross-functional teams to identify areas of risk and implement preventative measures.
- Maintained up-to-date knowledge of industry regulations and standards, ensuring audit practices remained compliant.
- Enhanced effectiveness of internal audit function through strategic planning and goal setting.
Supervisor / Conventional Underwriting
Flagstar Bank
01.2002 - 06.2011
- Analyzed all Conventional loan application files to meet investor guidelines
- Participated in numerous pilot groups testing new procedures for underwriting efficiency
- Supervised daily production of twenty plus underwriters and assistants to ensure quality standards were met
- Oversaw daily operations of the department, ensuring smooth workflow and timely completion of tasks.
- Applied strong leadership talents and problem-solving skills to maintain team efficiency and organize workflows.
- Improved customer satisfaction with timely response to inquiries, addressing concerns, and finding effective solutions.
- Increased team productivity by implementing efficient workflows and setting clear expectations for staff members.
- Resolved conflicts among team members promptly, maintaining a harmonious working environment conducive to productivity.
- Mentored junior staff members in their career development, sharing knowledge from years of experience in the field.
- Conducted performance evaluations for staff members, identifying areas of improvement and guiding professional development plans.
Conventional Underwriter
Flagstar Bank
06.1994 - 12.2001
- Underwrote all conforming product loans
- Collaborated with loan officers, processors, and other internal stakeholders to ensure smooth workflow and timely closings.
- Evaluated complex financial scenarios using sound judgment and critical thinking skills, resulting in well-informed credit decisions.
- Improved overall loan quality through meticulous attention to detail and adherence to underwriting guidelines.
- Consistently achieved performance targets by effectively prioritizing tasks and maintaining a strong focus on delivering high-quality results.
- Maintained comprehensive knowledge of conventional underwriting guidelines, keeping up-to-date with industry changes and regulatory requirements.
- Engaged in ongoing professional development opportunities related to underwriting standards, regulatory updates, and industry trends.
- Reduced turnaround time for loan decisions by consistently meeting strict deadlines in a high-volume environment.
- Achieved consistent compliance with investor guidelines by rigorously adhering to established policies and procedures during the underwriting process.
Education
Associate Degree - Business Management/Accounting
Baker Business College
Flint, MI01.1994
Skills
- Skilled in using LexisNexis for research
- Proficient in utilizing digital fraud analysis tools
- Conducting internal audits
- Compliance auditing methods
- Analytical problem-solving
- Effective team leadership
- Effective communication skills
- Group collaboration in decision-making
- Attention to detail
- Data analysis proficiency
- Proficient in automated underwriting systems
- Quality assurance for documentation
- Thorough understanding of underwriting standards
- Experience with mortgage regulatory frameworks
- Analyzing debt-to-income ratios
- Proficient in Loantrac, Mortrac, IDM Business Automation Workflow Case Client, Desktop Underwriter, Microsoft Word and Excel & P8 Mortgage Banking
Timeline
Quality Control Specialist
Flagstar Bank
05.2014 - 04.2025
Claims Mitigation Auditor / Delegated Auditor
Flagstar Bank
06.2011 - 04.2014
Supervisor / Conventional Underwriting
Flagstar Bank
01.2002 - 06.2011
Conventional Underwriter
Flagstar Bank
06.1994 - 12.2001
Associate Degree - Business Management/Accounting
Baker Business College
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