LISA CAMPBELL
Summerville,SC
Summary
Experienced mortgage underwriting and credit analysis professional with 20+ years in banking, risk analysis, and regulatory compliance. Extensive knowledge includes conventional, Non-QM, FHA, VA, and jumbo loan underwriting, quality control audits, forensic file review, and investor reporting. Adept in compliance, credit evaluation, and loan servicing.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Consumer Credit Analyst
First Capital Bank
Charleston, SC
03.2023 - 03.2025
- Analyzed financial statements, credit reports, and related data to assess repayment ability.
- Ensured compliance with bank lending policies and identified policy exceptions.
- Evaluated investor loans for creditworthiness and purchase eligibility.
- Conducted ongoing collateral analysis of residential and commercial properties.
- Prepare credit analysis report and summaries for loan approval
- Ensure applicant meets lending guidelines and regulatory requirements
- Work with loan officers, directors and other team members of the mortgage team to ensure smooth loan processing.
- Conduct underwriting analysis for loan purchase (Non QM and Habitat for Humanity)
- Contributed to the development of new products and services tailored to meet the evolving needs of consumers seeking financing options.
- Compile and submit a credit analysis report for approval by bank director
- Streamlined loan approval process for faster response times with thorough risk assessments.
- Influenced positive change in credit policy through participation in regular review and update sessions, ensuring relevancy and alignment with industry standards.
Servicing Relationship Specialist
South State Bank
Charleston, SC
06.2022 - 09.2022
- Reconciled general ledger accounts, escrow advances, NSF fees, and custodial account balances.
- Audited SFHA loans and reviewed flood vendor compliance.
- Reviewed sub-servicer reports and ensured investor reporting alignment.
- Supported Secondary Marketing with metrics, forms, and booking templates.
- Investigated and resolved discrepancies in monthly bills and GL outages.
- Interpreted servicing guide updates and assisted in vendor evaluations.
Mortgage Underwriter III
Ascendum Solutions LLC
Jacksonville, FL
07.2020 - 03.2022
- Evaluate mortgage loans for pre-funding audit to ensure effective implementation of the underwriting guidelines and procedures.
- Applied the guidelines of the following investors: FNMA, FHLMC,FHA,VA, and private investors
- Conduct proactive and effective pipeline management in accordance with performance standards.
- Assist management to clear conditions and expedite loan closings.
- Reviewed loans for quality assurance, compliance, policy adherence and risk
- Work in collaboration with various clients to ensure SLA targets are met
Senior Mortgage Underwriter
JPMorgan Chase
Jacksonville, FL
12.2019 - 02.2020
- Perform data evaluation on information retrieved from hard money applications
- Consult with Loan Officers following meetings with potential clients
- Investigate real estate properties in question and make assessment about properties including REO properties
- Conduct risk assessment on potential clients based on previous borrowing history, credit rating, industry experience and other risk factors.
- Render application decisions based on consultations with supervisory underwriter and upper management
- Demonstrate proficiency in analyzing extremely complex financial information including collateral review, verification of assets and calculation of income and debt ratio
Loan Review Specialist
Digital Risk Mortgage Services
Lake Mary, FL
10.2001 - 03.2019
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Expedited turnaround times for urgent reviews without compromising quality or accuracy of assessments.
- Evaluated borrower''s financial performance, assessing their ability to meet repayment obligations successfully.
- Improved overall portfolio quality by conducting thorough credit analysis and recommending appropriate actions.
- Monitored pipelines to track and log status of loans.
Senior Quality Control & Forensic Auditor
Investors Consulting Group LLC
Jacksonville, FL
02.2015 - 10.2018
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Maintained confidentiality, handling sensitive information discreetly throughout all stages of the audit process.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Streamlined audit processes, improving efficiency and reducing time spent on each audit engagement.
- Provided forensic repurchase quality control review of multiple due diligence vendors breach findings for large, complex bankruptcy matter
- Review of servicing files to ensure compliance with Making Home Affordable guidelines for False Claims Act matter
- Used forensic tools such as Compliance Ease, The work number, Data Verify , Zillow,MERS, Bureau of Labor Statistics , salary .com
Senior Correspondent Underwriter-Jumbo Loans
JP Morgan Chase
Jacksonville, FL
05.2013 - 09.2013
- Lending Authority $650,000
- Detailed evaluation of self-employment tax returns and multiple types of income
- Review of appraisal to ensure Underwriter and Investor guidelines are met
- Review all loans for SAFE Act compliance
- Issue loan approvals, counter-offers, or denials
- Review and analyze appraisals and preliminary purchase contracts
- Review incoming documentation and confirming data integrity
Education
Associate Degree - General Studies, Medical Billing & Coding
Florida Technical College
DeLand, FL06.2020
No Degree - Mortgage Underwriting, Compliance And Regulation
American Institute of Banking
Jacksonville, FLGeneral Studies - Business Management
University of Phoenix
Jacksonville, FL03.2003
Skills
- Software:
- Excel, Word, PowerPoint, SharePoint, Calyx, Encompass, Empower, Lexis Nexis, Navigator, LaserPro, MortgageBot
- Systems:
- DU/LP, Loan Prospector, MERS, Compliance ease, DataVerify, The Work Number
- FHA, VA, Conventional Underwriting, TRID, RESPA, HMDA, UDAAP, Safe Act, Title exceptions, Fraud Prevention
- Mortgage fraud detection, document imaging, servicing workflows, title review
- Portfolio management
- Data interpretation
- Risk mitigation
- Credit risk assessment
- Cash flow analysis
- Risk mitigation
- Credit risk assessment
- Cash flow analysis
Certification
- Mortgage Bankers Association
- Regulatory Compliance, Underwriting and Quality Control
- TRID Curriculum: TILA-RESPA
- Mortgage Fraud
- Secondary Marketing Essentials
Timeline
Consumer Credit Analyst
First Capital Bank
03.2023 - 03.2025
Servicing Relationship Specialist
South State Bank
06.2022 - 09.2022
Mortgage Underwriter III
Ascendum Solutions LLC
07.2020 - 03.2022
Senior Mortgage Underwriter
JPMorgan Chase
12.2019 - 02.2020
Senior Quality Control & Forensic Auditor
Investors Consulting Group LLC
02.2015 - 10.2018
Senior Correspondent Underwriter-Jumbo Loans
JP Morgan Chase
05.2013 - 09.2013
Loan Review Specialist
Digital Risk Mortgage Services
10.2001 - 03.2019
Associate Degree - General Studies, Medical Billing & Coding
Florida Technical College
No Degree - Mortgage Underwriting, Compliance And Regulation
American Institute of Banking
General Studies - Business Management
University of Phoenix