Lisa Starks
Summary
Transformational leader with proven success motivating and leading teams, driving production efficiencies, growing revenues, and improving performance levels while delivering targeted business and regulatory results. Strategist, develops and implements processes and best practices to drive sales, efficiency and organizational optimization.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
DR HORTON, Inc
05.2021 - 01.2023
- Responsible for the underwriting of construction loans, validation of automated findings on FNMA, FHLMC, FHA, VA, and bond programs
- Performed a comprehensive review of contracts, including affiliated financial information and credit risk, in order to approve submission outcomes
- Conducted analyses of aggregated data provided by vendors and customers
- Proposed changes, based on the review of current assets, income and tax returns, with the potential to mitigate credit threats
- Identified risks associated with proposed deals, upcoming purchases and existing partnerships
- Maintained minimum daily production and quality standards
- Strengthened relationships with sales staff and customers by offering sound advice regarding the transaction potential of corporate credit policies.
- Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.
Mortgage Underwriter /Quality Control Auditor
CF BANK
01.2019 - 05.2021
- Completed accurate, unbiased credit analyses within required timelines and according to standards of FNMA, FHLMC, FHA, VA, USDA, and down payment assistance programs
- Internal audits completed on all products to mitigate salable loan products
- Supported regulatory audits including internal compliance
- Developed effective fraud detection tools based on a thorough understanding of fraud patterns.
- Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.
- Verified integrity of applicants' information to minimize fraud.
- Developed and maintained relationships with investors to drive compliance with guidelines.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
Management /Inventory and Supply Chain Officer
Clover
08.2013 - 01.2021
- Leveraged data and market trends to create and execute buying strategies that effectively drive profitable sales
- Identifying new brand opportunities, pursuing new vendors, and sourcing new product categories
- Resolve distribution questions, schedule shipping times, and manage the requirement of freight travel
- Revised and analyzed daily and weekly reports to check service levels and inventory turns
- Inspection of deliveries for product accuracy to determine any shipment errors or quality issues.
- Introduced risk management strategies within the supply chain to mitigate potential disruptions and ensure business continuity.
Quality Control Analyst
NATIONWIDE INSURANCE
04.2015 - 01.2018
- Maintained critical risk management procedures ensuring complete organizational compliance through regular quality assurance monitoring and review
- Performed in-depth product risk assessments and communicated findings to business unit, vendors, and board of directors
- Facilitated process enhancements for Mortgage Servicing Group, including escrow analysis, insurance, collections, bankruptcy and loss mitigation
- Created annual monitoring plans and action strategies designed to mitigate risk and develop control environment.
- Streamlined processes, implementing rigorous testing protocols to ensure product reliability.
Regional Operations Manager /Senior Credit Analyst
US BANK HOME MORTGAGE
07.1999 - 08.2013
- Managed daily activities for processing, underwriting and closing of FHA/VA/USDA/Conventional conforming, non-confirming loan products (bond & manufactured housing)
- Certified and ensured quality assurance of staff with lending authority, managed loan pipelines and quality metrics
- Managed operational activities including hiring, training, professional development, and performance management
- Improved efficiencies analyzing procedures and identifying opportunities that streamline operations and processes.
- Increased employee retention by implementing comprehensive training programs and opportunities for advancement.
- Streamlined regional operations by implementing efficient processes and procedures.
Education
Business Administration -
WRIGHT STATE UNIVERSITY
Dayton, OHSkills
- Regulatory Compliance
- Loan Processing
- Loan Servicing
- Strategic Planning
- Trend Analysis
- Documentation Review & Evaluation
- Title research / Investigation
- Policy Review
- Quality Control
- Underwriting guidelines
- Automated Underwriting System (AUS)
Certification
FEDERAL HOUSING ADMINISTRATION (FHA), Direct Endorsement
Timeline
Mortgage Underwriter
DR HORTON, Inc
05.2021 - 01.2023
Mortgage Underwriter /Quality Control Auditor
CF BANK
01.2019 - 05.2021
Quality Control Analyst
NATIONWIDE INSURANCE
04.2015 - 01.2018
Management /Inventory and Supply Chain Officer
Clover
08.2013 - 01.2021
Regional Operations Manager /Senior Credit Analyst
US BANK HOME MORTGAGE
07.1999 - 08.2013
Business Administration -
WRIGHT STATE UNIVERSITY
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