Tracie Clark
Riverview,FL
Summary
Accomplished mortgage professional with extensive experience in underwriting, credit risk management, and executive leadership. Demonstrated success in developing underwriting guidelines, leading large teams, and enhancing compliance and investor outcomes in complex mortgage transactions.
Overview
39
39
years of professional experience
Work History
Senior Underwriter
Acra Lending
Irvine, California
10.2025 - Current
- Underwrote complex conforming and non-QM mortgage transactions in line with investor, agency, and company guidelines.
- Analyzed credit, income, assets, liabilities, collateral, and overall borrower risk to support sound underwriting decisions.
- Reviewed complex scenarios, exceptions, and layered risk factors to maintain compliance and uphold credit-quality standards.
- Communicated underwriting decisions, conditions, and guidance to internal teams, brokers, account executives, and leadership for informed decision-making.
- Collaborated with operations and production teams to ensure timely, accurate loan decisions and facilitate smooth closings.
Senior Underwriter
GenHome
01.2023 - 10.2025
- Senior Underwriter for Conforming and Non-QM loans.
- Reviewed complex credit, income, asset, and collateral scenarios to assess risk and ensure compliance.
- Prepared and submitted underwriting exceptions to facilitate loan approvals while adhering to guidelines.
- Maintained and interpreted investor and internal underwriting guidelines to ensure consistent decision-making.
- Support post-closing teams to resolve purchase conditions.
- Functioned as an underwriter during Redstone's acquisition in 2023.
Senior Underwriter (Non-QM)
Redstone
01.2022 - 01.2023
- Underwrote complex Non-QM loan files, ensuring compliance with credit policies and risk management standards.
- Submitted and defended underwriting exceptions, facilitating timely loan approvals and maintaining workflow efficiency.
- Assisted underwriting management with escalations and file issues, resolved challenges to support underwriting operations.
- Assigned daily loan pipelines and supported underwriter coverage.
Chief Credit Officer | Underwriting Manager | Senior Underwriter | Team Lead
ResMac
01.2017 - 01.2022
- Led the entire credit division including underwriting, processing, setup, disclosures, compliance, closing, post-closing, and funding.
- Created, implemented, and maintained all underwriting and credit guidelines.
- Approved all underwriting exceptions company-wide.
- Served as executive escalation point for CEO, VP, brokers, loan officers, and AEs.
- Managed and trained underwriters, processors, and junior staff to enhance team capabilities and performance.
- Led underwriting teams of up to 14 underwriters, overseeing daily productivity and aligning team goals with organizational objectives.
- Conducted second-level reviews on all Non-QM loans.
**Underwriter/Producing Team Lead**
ResMac
01.2016 - 01.2017
- Led team of 12 underwriters to meet and exceed departmental goals, focusing on productivity and quality assurance.
- Issued loan approvals, suspensions, and funding decisions based on thorough risk assessment and compliance.
- Frontline underwriting for Manual, DU, FHA, VA, and LP loans.
- Reviewed credit, income, assets, and appraisals.
- Trained new hires and performed quality control reviews to maintain high underwriting standards.
- Utilized MERS, AllRegs, Salary.com, and valuation tools.
Senior Underwriter / Team Lead
Indecom
01.2013 - 01.2016
- Managed and coordinated teams of up to 10 underwriters, improving workflow efficiency and collaboration.
- Conducted training sessions, quality control reviews, and productivity reports to support team development and performance.
- Underwrote loans in compliance with AUS and investor guidelines, ensuring accuracy and adherence to standards.
- Communicated directly with brokers and AEs.
- Utilized LoanSafe, MERS, and income validation tools.
Underwriter Team Lead / Analyst
Clayton Services
01.2009 - 01.2013
- Led frontline underwriting teams and coordinated QC efforts to enhance accuracy and consistency.
- Trained new analysts and set daily production goals to streamline onboarding and drive performance.
- Underwrote manual, DU, FHA, and LP loans to ensure compliance and risk management.
Owner / Principal
TC Loan Processing Service
01.2001 - 01.2009
- Operated a full-service loan processing company, delivering efficient service to clients.
- Processed and pre-underwrote loans according to AUS, Manual, FHA, and VA guidelines, ensuring compliance and accuracy.
- Resolved outstanding loan conditions to facilitate timely processing,, funding suspends, and post-closing reviews.
Underwriter
HCI
01.2003 - 01.2008
- Reviewed and assessed risk profiles of conventional and non-conventional loan pools to inform underwriting decisions.
- Conducted comprehensive credit, compliance, forensic, fraud, and rep & warrant reviews to ensure adherence to regulatory standards.
- Performed HMDA scrubs and collateral evaluations to enhance data accuracy and support lending practices.
Supervisor Processing & Closing
Centex Homes
01.1999 - 01.2001
- Supervised processing and closing departments, ensuring timely and accurate completion of transactions.
- Managed delinquency portfolios and developed refinancing solutions to mitigate financial risks.
- Analyzed credit to approve mortgage and retail loans, facilitating financing for clients.
Vice President
Aable Mortgage
01.1997 - 01.1999
- Led loan officers, processing, and closing departments to streamline operations.
- Managed the loan pipeline and ensured compliance with disclosures in the processing department.
- Coordinated DU approvals and assembled closing packages for timely project completion.
Underwriter / Regional Secretary / Closer / Collections
United Companies
01.1988 - 01.1997
- Evaluated insurance applications for risk assessment and policy approval.
- Collaborated with agents to clarify underwriting requirements and processes.
- Analyzed financial documents to determine applicants' creditworthiness and insurability.
- Underwrote subprime loans and prepared accurate closing documents to facilitate timely transactions.
- Processed payments for customer accounts, ensuring account accuracy and minimizing discrepancies.
Education
High School Diploma -
Tampa, FL01-1989
Skills
- AUS (DU/LP), Manual Underwriting
- Loan types expertise
- Credit Risk & Exception Management
- FHA, VA, HARP, Subprime
- Underwriting Strategy Development
- Credit Policy Development
- Investor & Compliance Guidelines
- Loan Closing Oversight
- Quality control audits
- Team leadership
- Client Relationship Management
Personal Information
Title: SENIOR MORTGAGE UNDERWRITER | CHIEF CREDIT OFFICER | UNDERWRITING MANAGER
Timeline
Senior Underwriter
Acra Lending
10.2025 - Current
Senior Underwriter
GenHome
01.2023 - 10.2025
Senior Underwriter (Non-QM)
Redstone
01.2022 - 01.2023
Chief Credit Officer | Underwriting Manager | Senior Underwriter | Team Lead
ResMac
01.2017 - 01.2022
**Underwriter/Producing Team Lead**
ResMac
01.2016 - 01.2017
Senior Underwriter / Team Lead
Indecom
01.2013 - 01.2016
Underwriter Team Lead / Analyst
Clayton Services
01.2009 - 01.2013
Underwriter
HCI
01.2003 - 01.2008
Owner / Principal
TC Loan Processing Service
01.2001 - 01.2009
Supervisor Processing & Closing
Centex Homes
01.1999 - 01.2001
Vice President
Aable Mortgage
01.1997 - 01.1999
Underwriter / Regional Secretary / Closer / Collections
United Companies
01.1988 - 01.1997