Kristina Stewart, CMB, CML
Fort Worth,TX
Summary
A self-motivated, forward-thinking leader with nearly 20 years of experience in the Mortgage Lending Industry who thrives on developing creative solutions to achieve organizational goals and drive excellence. Focused on growing and strengthening client relationships by incorporating strategies commensurate with the goals of internal and external business partners. A leader with a vast knowledge of the mortgage loan cycle through retail, fulfillment, and correspondent lending channels.
Overview
20
20
years of professional experience
1
1
Certification
Work History
SVP, CL Operations & Customer Experience
FutureWave Finance
12.2023 - Current
- Responsible for setting up the Operational Strategy and Execution - staffing models, capacity projections, forecasts, budgets, expenses - cost per product, staff and system optimization, process flows, setting up SLA's, establishing KPI's competitive to the correspondent market place, etc
- Reviewing, executing and negotiating contracts with investors, vendors and counterparties
- Securing Investor takeouts and setting up Investor Delivery Process and Procedures
- Credit and Counterparty Committee Chair - evaluating performance, financials, operational soundness.
- Onboarding new customers, conducting welcome calls and orientations, ensuring customer satisfaction during initial deliveries.
- Supporting Sales book of business as it relates to customer experience as well as fostering a positive business relationships
- Vetting and onboarding vendors for various operational functions
- Developing and streamlining loan boarding with servicing
- A part of the product development team - market analysis, product matrices and guideline reviews, product rollouts.
- Developing Job Aids and marketing materials
- Setting up MSR takeouts, Custodial relationships, Warehouse facilities as a takeout as well as a funding source
- Closely working with accounting to ensure new strategies align with organizational budget capacity.
- Responsible for building teams and creating a positive and successful culture
SVP, Correspondent Lending
Amerihome Mortgage
04.2022 - 12.2023
- Integral part in driving the organization from #7 Correspondent Lender in 2016 to #2 in 2021 but setting up and growing the Irving, TX site which allowed the organization to reduce cost and scale in a cost effective way
- Closely monitor market conditions, trends and new technologies to ensure a strong competitive advantage
- network with clients and peers to identify and obtain additional growth opportunities.
- Establish and track KPI's to assess effectiveness of newly adopted initiatives and redirect efforts for both company and customers when necessary
- Identify outliers int he clients performance to ensure maximum profitability such as reducing costs of assessed Delayed Purchase Fees as well as prevent pair off costs for mandatory trades
- Assist clients in training new associates on the most efficient way to submit clean loans that would improve client's overall cycle time
- Counsel clients on way sto mitigate costly errors impacting client's performance
- Develop content and present on All Hands, CL Monthly committees, MBR's and Strategic initiatives to an audience of up to 350 people
- Answer existing product questions with up-to-date knowledge of its intricacies and challenges to ensure seamless submissions
- Assisting Sales Executives with fostering positive relationships by collectively strategizing for ways to ensure long term and effective business relationships.
- Lead teams of AVP's, VP's, FVP's as well as Account managers to maintain and grow client volume
- Developed and managed Management Development, Career Development and Internship programs
- Participated in Industry Events by serving on panels, developing content as well as securing speakers
FVP, Correspondent Lending Operations
AmeriHome Mortgage
09.2018 - 04.2022
AVP, Correspondent Lending Operations
AmeriHome Mortgage
11.2016 - 09.2018
Funding /Compliance Manager
PeirsonPatterson, LLP
11.2011 - 11.2016
Closing Coordinator
Allied Home Mortgage
07.2009 - 09.2011
Loan Originator and Processor
Silver State Mortgage
09.2004 - 04.2008
Education
Bachelor of Science - Business Management
Colorado State University
Skills
- Exceptional customer service and fostering of business partner relationships
- Pipeline management and volume growth
- Client engagement, collaboration, conflict management and resolution
- Operational KPI Strategist
- Public Speaking, Public Engagements and presentations
- Business Development and Customer Retention
- Customer Care and Post-Sales Support
- Closely monitor technology trends to ensure competitive advantage
- Driving and influencing positive organizational changes by identifying gaps and developing mitigation strategies
- Product and Service Knowledge
- Client Personnel Training
- Market Research and Analysis
- Multi-unit leadership and management
- New product development and change management
- Coaching, performance management, training and career development
Certification
Certified Mortgage Banker; Residential Future Leader; Mortgage Action Alliance | MBA
Certified Mortgage Leader | TMBA
Women's Sales Mentorship Program | WAB
Inducted Member | NSLS
Strategic Leadership & Management Specialization | UI
Languages
Bulgarian
Native/ Bilingual
Accomplishments
MVP 2020- AmeriHome Mortgage
Timeline
SVP, CL Operations & Customer Experience
FutureWave Finance
12.2023 - Current
SVP, Correspondent Lending
Amerihome Mortgage
04.2022 - 12.2023
FVP, Correspondent Lending Operations
AmeriHome Mortgage
09.2018 - 04.2022
AVP, Correspondent Lending Operations
AmeriHome Mortgage
11.2016 - 09.2018
Funding /Compliance Manager
PeirsonPatterson, LLP
11.2011 - 11.2016
Closing Coordinator
Allied Home Mortgage
07.2009 - 09.2011
Loan Originator and Processor
Silver State Mortgage
09.2004 - 04.2008
Bachelor of Science - Business Management
Colorado State University
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