Renee Creffield
Weeki Wachee
Summary
Mortgage operations and underwriting leader with extensive experience in large-scale lending environments. Expertise in FHA direct endorsement certification, VA lending, and compliance with Fannie Mae and Freddie Mac guidelines. Proven ability to drive process improvements, supporting $2–3 billion in monthly production while enhancing loan quality.
Overview
24
24
years of professional experience
Work History
Executive Quality Control Mortgage Analyst
Rocket Mortgage
Detroit
01.2018 - Current
- The Executive Quality Control Mortgage Analyst with expertise in pre- and post-closing loan audits, responsible for leading and executing quality control reviews of mortgage loan files to ensure compliance with regulatory requirements, investor guidelines, and internal policies. This role operates at a strategic level, identifying risk trends, driving process improvements, and providing executive-level reporting to support organizational compliance and loan quality objectives.
- Analyzed quality control processes to identify compliance gaps and enhance audit effectiveness.
- Verified accuracy and thoroughness in audit reviews to support regulatory compliance and risk mitigation.
- Communicated effectively with stakeholders to clarify quality control findings and drive actionable improvements.
- Interpreted complex regulations and applied them operationally in quality control.
- Demonstrated proficiency in data analysis and reporting using Excel and QC systems.
- Exercised leadership and decision-making capabilities during quality control reviews.
- Managed multiple priorities effectively in a fast-paced quality control environment.
Auditor
Rocket Mortgage
Detroit
01.2015 - 01.2018
- Detail-oriented Mortgage Auditor with extensive experience in loan file review, compliance verification, and risk assessment. Skilled in evaluating mortgage documentation for adherence to investor guidelines, federal regulations, and internal policies. Proven ability to identify defects, mitigate risk, and provide actionable insights to enhance loan quality and operational efficiency.
- Oversaw quality for new underwriting staff by reviewing initial decisions, enforcing guideline compliance, and mentoring to ensure accurate and consistent loan conditions.
- Improved loan quality and compliance by providing immediate feedback to underwriters, resulting in a 2% decrease in overall error rate.
- Developed and delivered training for new auditors, enhancing accuracy of loan reviews and proficiency in audit underwriting system.
- Created training resources to guide auditors and underwriters on updated processes and compliance standards, improving accuracy and efficiency.
Operations Director
Rocket Mortgage
Detroit
01.2002 - 01.2015
- Strategic Mortgage Operations Director with over 15+ years of experience leading high-performing teams in mortgage lending, underwriting, and quality control. Proven track record in streamlining operations, ensuring regulatory compliance, and improving loan quality. Skilled in driving process improvements, implementing new systems and guidelines, and leading cross-functional teams to achieve operational excellence and reduce risk.
- Managed mortgage operations processes, resulting in enhanced efficiency and productivity.
- Directed hiring, training, and performance evaluations for mortgage operations and underwriting teams.
- Built and directed a newly formed Underwriting Development team, implementing training and process oversight to ensure consistent underwriting excellence.
- Developed and implemented risk management strategies to mitigate potential losses.
- Generated performance reports on mortgage operations to support strategic decision-making.
- Loan origination systems (LOS) and audit tools
Education
Associate - business management
Cleary College
Ypsilanti, MI05-1986
Skills
- Mortgage financial analysis
- Mortgage processing
- Regulatory compliance
- Risk management
- Credit analysis expertise
- Construction loan analysis
- Appraisal fundamentals
- Data analytics
- Metrics analysis
- Quality assurance
- Operational oversight
- Product development
- Client relationship management
- Cross-functional teamwork
- Team leadership
- Problem solving
- Effective communication
Accomplishments
- An Executive Quality Control Analyst/Operations Director, processing 25+ years of advanced underwriting and loan program management experience within a well-known multi-billion-dollar finance company.
- Recognized as a leader and mentor, specializing in servicing all phases of the loan process for Fannie Mae, Freddie Mac, FHA and VA knowledge. DE certified, skilled in team building, special projects and QC.
- Government certified for FHA loan programs.
- Managed and mentored a team of 50+ underwriting professionals within the underwriting development division.
Career Experience
Rocket Mortgage, Detroit, MI, Executive Quality Control Mortgage Analyst, 01/18, Present, Leading and executing quality control reviews of mortgage loan files to ensure compliance with regulatory requirements, investor guidelines, and internal policies., Identifying risk trends, driving process improvements, and providing executive-level reporting to support organizational compliance and loan quality objectives., Advanced analytical and problem-solving skills., Exceptional attention to detail and accuracy., Strong written and verbal communication skills., Ability to interpret complex regulations and apply them operationally., Data analysis and reporting proficiency (Excel, QC systems)., Leadership and decision-making capabilities., Ability to manage multiple priorities in a fast-paced environment., Auditor, 01/15, 12/18, Detail-oriented Mortgage Auditor with extensive experience in loan file review, compliance verification, and risk assessment., Skilled in evaluating mortgage documentation for adherence to investor guidelines, federal regulations, and internal policies., Proven ability to identify defects, mitigate risk, and provide actionable insights to enhance loan quality and operational efficiency., Provided quality oversight for new underwriting staff by reviewing initial decisions, enforcing guideline compliance, and mentoring to ensure accurate and consistent loan conditions., Improved loan quality and compliance by providing immediate feedback to underwriters, resulting in a 2% decrease in overall error rate., Developed and delivered training for new auditors, ensuring accurate loan reviews and proficient use of the audit underwriting system., Designed and implemented training resources to guide auditors and underwriters on updated processes and compliance standards, improving accuracy and efficiency., Operations Director, 01/02, 12/15, Strategic Mortgage Operations Director with over 15+ years of experience leading high-performing teams in mortgage lending, underwriting, and quality control., Proven track record in streamlining operations, ensuring regulatory compliance, and improving loan quality., Skilled in driving process improvements, implementing new systems and guidelines, and leading cross-functional teams to achieve operational excellence and reduce risk., Mortgage operations management., Assisted in building and directed a newly formed Underwriting Development team, implementing training, process oversight, and performance management to drive consistent underwriting excellence., Regulatory compliance (FHA, VA, Fannie Mae, Freddie Mac, TRID, RESPA, TILA)., Risk management., Process improvement & workflow optimization., Team leadership & staff development., Loan origination systems (LOS) and audit tools., Reporting., Directed hiring, training, and performance evaluations for mortgage operations and underwriting teams.
Timeline
Executive Quality Control Mortgage Analyst
Rocket Mortgage
01.2018 - Current
Auditor
Rocket Mortgage
01.2015 - 01.2018
Operations Director
Rocket Mortgage
01.2002 - 01.2015
Associate - business management
Cleary College