Lisa Stauffer

609-***-**** adwm8e@r.postjobfree.com https://www.linkedin.com/in/lisa-stauffer-06aa318/

SENIOR MORTGAGE LENDING LEADER

Mortgage Loan Underwriting Process Innovation & Management Portfolio Planning & Execution

Highly accomplished, forward-thinking mortgage lending executive with an extensive history of delivering scalable and sustainable results. Capitalize on business, financial, and operating acumen to support ongoing revenue and portfolio growth. Adapt to rapidly changing environments in which technology serves as a driver of cost savings, process improvements, efficiency, and consistent operating improvements. Advanced mortgage compliance knowledge, quality control experience, and proven problem solving and decision making skills. Extensive experience along all facets of mortgage value chain, including backend systems and operations, and loan execution and underwriting. Underwrite jumbo/non-conforming, bank statement, conventional, FHA, and USDA loans in all 50 US states in compliance with local and multi-jurisdictional rules and regulations. Serve as multi-disciplinary subject matter expert (SME). Unique ability to break down complex concepts and translate into action. Demonstrated the ability to participate in time sensitive projects and enjoy a high level of interaction with internal and external parties.

Pre-funding & Post-closing Quality Control Advanced Compliance Knowledge Loan Execution

Traditional & Non-traditional Lending Mortgage Loan Underwriting Remediation Risk Mitigation

FHA & USDA Loans Documentation Oversight Portfolio Management

Professional History

FINANCE OF AMERICA

Senior Underwriter, 2019-2023

Recruited to serve in highly visible role underwriting 2-3 loans per day. Leveraged extensive knowledge of FHA and USDA guidelines to align loan products with borrower ability and risk preference. Managed resubmissions and daily queue of loans in process on a 24-48 hour turnaround. Collaborated extensively with government agencies and applied knowledge of guidelines to determine loan eligibility. Evaluated applicant criteria for eligibility and risk level. Partnered with sales team on loan offers and loan structuring.

Processed pipeline of complex FHA, USDA, conforming, non-conforming, and conventional mortgage transactions, and consistently exceeded expectations.

Received recognition for being a top performer with minimal errors.

Owned portfolio comprised of 25% jumbo/non-conforming loans, 25% bank statement loans, and 50% FHA/USDA loans.

GUARANTEED RATE

Senior Underwriter, 2010-2019

Underwrote conventional, FHA, and USDA loans, conducted full collateral reviews, and managed resubmission pipeline. Liaised with customer service and sales organizations to ensure both customer and company goals were achieved. Conducted second level reviews for new underwriters and served as mentor/coach for new industry talent. Collaborated with government agencies, including Fannie Mae, Freddie Mac, FHA, and USDA. Applied knowledge of AUS systems for DU, LP and GUS. Interviewed applicants and gathered relevant materials regarding their borrowing needs. Updated borrower data in CRM. Opened and processed files, including ordering credit reports, appraisals, and verifications and conducting regular follow-up with outside sources of outstanding documents. Mitigated investor variances and balanced against risk.

Lisa Stauffer, Page 2

609-***-**** adwm8e@r.postjobfree.com https://www.linkedin.com/in/lisa-stauffer-06aa318/

GUARANTEED RATE (continued)

QA/Compliance Leader, 2006-2010

Promoted to manage reviews of forms, disclosures, and other documents to validate information and ensure compliance with applicable laws and regulations. Tracked compliance questions and maintained up-to-date knowledge of disclosure updates. Communicated with loan officers and other team members to provide direction and guidance on applicable regulations.

Underwriter, 2004-2006

Recruited into initial underwriting role to assess borrower risk by evaluating factors such as credit history, income, and outstanding debts. Leveraged “3 Cs” of underwriting—credit, capacity, and collateral—to determine borrower eligibility and asses exposure. Provided exceptional customer service and built relationships with both internal and external stakeholders.

CHAPEL MORTGAGE

Underwriter/Closing Facilitator, 2000-2004

Managed closing and post-closing of loans. Leveraged knowledge of underwriting process, including title, insurance, and post-closing to facilitate timely execution of mortgage products. Underwrote non-conforming loans and pre-approvals on subprime loan transactions. Coordinated final stages of deals and ensured efficient and smooth transactions. Prepared and processed legal documents, managed timelines and payment plans, and maintained active communication with all stakeholders.

Credentials

FHA Certified

USDA Certified

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