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
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
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
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
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
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
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
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
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