KRISTIN STAPLES
Summary
- Accomplished mortgage professional with 25 years in the financial industry; extensive background in Call Centers and Operations. Utilized experiences in underwriting, sales, and customer service to offer mortgage solutions for consumers and brokers. Productive and efficient work habits without supervision.
Overview
26
26
years of professional experience
Work History
Underwriter
Rocket Mortgage
Scottsdale, AZ
07.2014 - Current
- Reviewed loans and applications, analyzing income, credit, assets, and property.
- Assessed potential risks associated with each transaction prior to approving loans.
- Conducted final checks on conditions prior to approvals.
- Achieved daily production goals set by leadership.
- Served as FHA auditor to uphold regulatory standards.
- Applied expertise in FHA and VA guidelines for loan processing.
Sr. Loan Processor
JP MORGAN CHASE
Phoenix, AZ
01.2009 - 07.2014
- Served as primary contact for customer underwriting, sales, and title processes.
- Prepared and facilitated loan progression from application to closing while ensuring federal compliance.
- Verified accuracy of pricing and fees on all transactions.
- Assessed loan documents to establish eligibility criteria.
- Managed pipeline of up to 85 loans simultaneously.
- Requested necessary appraisal, title, and credit documents efficiently.
- Achieved Top Performer award monthly, ranking in top 5% or top 15% throughout 2010-2014
Loss Mitigation Specialist III
JP MORGAN CHASE
Tempe, AZ
01.2008 - 12.2009
- Managed pipelines of up to 200 severely delinquent consumer loans facing foreclosure.
- Defined business objectives to reduce foreclosures and financial loss through proactive strategies.
- Assisted in resolving customer inquiries regarding loan modifications and foreclosure prevention options
- Prevented $500,000 in bank losses each month through effective loan payment management.
Account Executive Broker and Emerging Banker
INDY MAC BANK
Scottsdale, AZ
08.2007 - 12.2007
- Executed telephone sales for wholesale lending, showcasing diverse mortgage programs.
- Prequalified loans to facilitate successful client financing.
- Trained brokers on IndyMac's automated system to enhance operational efficiency.
- Demonstrated comprehensive product knowledge in conforming, commercial, construction, Alt-A, jumbo, reverse, and HELOC loans.
Account Manager
LEHMAN BROTHERS INC.
Tempe, AZ
01.2002 - 08.2007
- Processed loans from application to funding, averaging 60 to 85 loans monthly.
- Served as liaison between brokers and branch staff in fast-paced sub-prime lending environment.
- Pre-qualified prospective loan applications to assess eligibility.
- Trained new hires on operational procedures and company policies.
- Approved and managed office vacation schedules to ensure smooth operations.
Assistant Branch Manager/Underwriter
LAGUNA CAPITAL MORTGAGE
Phoenix, AZ
05.1999 - 12.2001
- Facilitated loan processing and underwriting for sub-prime wholesale lender.
- Acted as liaison between brokers and branch staff throughout loan lifecycle.
- Prepared and packaged loan documents for multiple investors and credit lines.
- Trained new hires to ensure compliance with operational standards.
- Promoted to assistant branch manager, overseeing workflow and team performance.
- Underwrote loans for various investors and financial products, ensuring risk assessment.
- Streamlined communication processes between brokers and internal teams to enhance efficiency.
Funding Manager/Underwriter
DREAMHOUSE MORTGAGE
Providence, RI
05.2000 - 10.2001
- Collaborated with attorney offices, customers, and loan officers to secure necessary closing documents.
- Ensured compliance with state guidelines and cleared all funding conditions.
- Coordinated with approved correspondent lenders for timely loan purchases to maintain funding capacity.
- Reviewed investor guidelines and cleared all underwriting conditions for loan purchases.
- Achieved monthly funding of 85-100 loans, demonstrating high productivity.
- Trained new hires to enhance departmental performance.
Education
Masters - Banking and Financial Management
New England College
Henniker, NHBA - Interdisciplinary Studies, concentration in Business and Communication
Arizona State University
Tempe, AZSkills
- FHA and VA guidelines
- Risk assessment
- Problem solving
- Loan underwriting
- Effective communication
- Pipeline management
- Loss mitigation
- Freddie Mac and Fannie Mae
Timeline
Underwriter
Rocket Mortgage
07.2014 - Current
Sr. Loan Processor
JP MORGAN CHASE
01.2009 - 07.2014
Loss Mitigation Specialist III
JP MORGAN CHASE
01.2008 - 12.2009
Account Executive Broker and Emerging Banker
INDY MAC BANK
08.2007 - 12.2007
Account Manager
LEHMAN BROTHERS INC.
01.2002 - 08.2007
Funding Manager/Underwriter
DREAMHOUSE MORTGAGE
05.2000 - 10.2001
Assistant Branch Manager/Underwriter
LAGUNA CAPITAL MORTGAGE
05.1999 - 12.2001
Masters - Banking and Financial Management
New England College
BA - Interdisciplinary Studies, concentration in Business and Communication
Arizona State University
Similar Profiles
KRISTINA E. ORR, MFAKRISTINA E. ORR, MFA
Trainer/Program Manager at Rocket Central, Rocket Mortgage Family of CompaniesTrainer/Program Manager at Rocket Central, Rocket Mortgage Family of Companies
Nina LanzaNina Lanza
Mortgage Loan Officer at Rocket MortgageMortgage Loan Officer at Rocket Mortgage
Christina BallardChristina Ballard
Business Support Specialist (Remote) at Rocket MortgageBusiness Support Specialist (Remote) at Rocket Mortgage
Sean J. CogginsSean J. Coggins
Director of Mortgage Banking/Loan Originator at Rocket MortgageDirector of Mortgage Banking/Loan Originator at Rocket Mortgage
Patricia Lourice EskandarPatricia Lourice Eskandar
Underwriter at ChubbUnderwriter at Chubb