Financial Analyst Data

Lisa C. Martin

Houston, Texas *****

713-***-**** ******.******@*****.***

PROFESSIONAL SUMMARY

Financial Analyst Specialist with 36 years of experience leading cross-functional teams, developing and executing financial strategies, and providing insightful guidance to support organizational growth and profitability. A strong track record of success in leading teams and driving business growth through strategic planning, financial analysis, and risk management. Skilled in developing and implementing policies and procedures to ensure compliance with industry regulations and best practices. Expertise in the areas of financial management, data analyst, mortgage banking, and relationship management. Adept at building and maintaining strong client partnerships, resulting in increased revenue and market share. Excellent communication and interpersonal skills, with a demonstrated ability to work effectively in diverse and challenging situations.

TECHNICAL COMPETENCIES

Operating Systems: Google Suites, Microsoft Office Suite, Nemis, Slack, Zoom, Dashboard, SharePoint, Waterfall, Lexis-Nexis, CARS, HOMES

ITSM Platforms: Salesforce, Jira, Zendesk, Asana, Encompass, PowerPoint, Gantts Charts, Kanban, CRM KNOWLEDGE AND SKILLS

•Problem Solving

•Negotiations

•Analytical skills

•Project Management

•Quality Control

•Risk Management

•Due Diligence

•Compliance

•Effective Communicator

•Critical Thinking

PROFESSIONAL EXPERIENCE

Federal Emergency Management Agency FEMA November 04, 2019- October 01,2025 Homeland Security (40 Plus Hours

Crew Leader/Supervisor

• QC’d teams case reviews giving feedback on improvements needed if necessary.

• Coordinates and supports the implementation of disaster recovery services, programs, and analyzes resource requirements, and capabilities to enable program delivery and performance.

• Implemented the development of emergency management recovery policies, plans, and procedures to team members.

• Assisting applicant service specialists with problems that can be complex, controversial, and precedent setting.

• Contribute to the development and implementation of recovery regulations and guidance documents, interpreting the laws, regulations, and policies applicable to FEMA.

• Worked with upper management with FIDA reports showing the numbers of applicants assisted.

• Aids in the distribution of emergency supplies, shelter management, and logistical support. Conducts damage assessments and contributes to the development of recovery plans.

• Provided applicants with Transitional Shelter Assistance for those that were displaced with nowhere to live, temporarily putting them up in hotel shelter provided by FEMA.

• Assign to team any special projects in different locations, meeting with the mayor to help the survivors by letting them know FEMA is here to help.

• Approved training classes to team members to help them elevate their skills to be more of an asset to the company

• Managed up to 10 employees at a time, provided the expectations needed for the job daily.

• Held daily morning briefings with staff to go over anything new or questions and concerns before the shift started.

• Conducted daily accountability and check-ins making sure everyone was accounted for. 1

Lisa C. Martin

Houston, Texas 77095

713-***-**** ******.******@*****.***

Mphasis/Digital Risk Remote August 2020–October 2022 Forensic/Mitigation Underwriter- (Contract)

● Review and provide quality control feedback on loan files completed by assigned associates

● Conducted a thorough review and analyses of borrowers’ financial documents, including financial statements, hardship letters, tax returns, bank statements, pay stubs, Profit & Loss statements, and credit reports, leading to informed and strategic decision-making.

● Successfully identified and recommended the best possible loan modification plans aligning with investor, insurer, and client guidelines, optimizing financial outcomes and client satisfaction.

● Underwrite & analyze Investor/Agency guidelines to make sure transaction meets requirements, identify misrepresentation, inconsistencies, and/or fraudulent activity from analyzing the loan documentation transaction.

● Performed forensic underwriting review of closed mortgage loan files for compliance with applicable State and federal laws and adherence to specific lender guidelines

● Review and analyze borrower’s mortgage applications, credit reports and related documents, and analyze real estate purchase contracts.

● Reviewed employment documentation and re-calculate income documentation for completeness and accuracy per guideline requirements.

● Review employment documentation and re-calculate income, liabilities and credit report, for completeness/accuracy per guidelines.

● Developed and maintained detailed managerial reports that tracked the workout function and progress of loans on a daily, weekly, and monthly basis, enhancing transparency and enabling data-driven decisions. Accomplishments: Increased recovery rates on defaulted loans by 30% by implementing targeted loss mitigation strategies and optimizing borrower outreach processes. Enhanced the performance of a distressed loan portfolio, reducing the number of loans in foreclosure by 25% over a 12-month period. Source Point May 2019-September 2020

Underwriter- (Contract)

•Successfully reviewed credit, income, and assets documentation to determine borrowers’ creditworthiness and repayment ability, performing risk analysis and forensic review.

•Conducted a thorough review on more complex loans, including but not limited to self-employed borrowers, analyzed business tax returns and calculated qualifying income, identifying transaction components that indicate the potential of fraud within the loan documents.

•Followed AUS findings as well as manually underwrite loans, clearing conditions needed to get loan approved and clear to close all while complying according to guidelines.

•Gather and review of public records to verify information on the owners’ properties or businesses, searching for red flags or any fraudulent activity using database Lexis-Nexis. Accomplishments: Decreased underwriting errors by 37% through the implementation of a comprehensive checklist and quality control measures in the due diligence process, improved stakeholders’ satisfaction through clearer communication and timely updates.

Saratoga-Homes January 2017-March 2019

Sales Marketing Manager

•Prospecting, marketing, and promoting new business with realtors, speaking, and delivering presentations about the builder, communities, and incentives.

•Meeting monthly/quarterly sales goals, updating CRM system

•Follow up with prospects verbally, email, and community events. 2

Lisa C. Martin

Houston, Texas 77095

713-***-**** ******.******@*****.***

Accomplishments: Boosted customer retention rates by 15% through the development of loyalty programs and improved customer relationship management practices. Saratoga-Homes / JNC Mortgage July 2016-January 2017 Sr. Processor/Closer/Funding

•Analyzed employment profile, credit strength, property characteristics, and other information pertinent to the credit decision on each mortgage application.

•Reviewed closing instructions and prepared a CD.

•Communicate with managers, loan officers, and builders regarding the status of loan and items needed from customers in a timely manner.

•Participated in a new client orientation process consisting of welcome calls.

•Confirmation of closing with borrowers, title, and lender to ensure accuracy of loan documents before closing to resolve any issues.

•Scheduled and coordinated with all parties the time and place for closing and funding approval. Accomplishments: Maintained 100% compliance with all regulatory requirements and internal policies, leading to zero findings during audits over a designated period. Boosted client satisfaction ratings related to the underwriting process by 20% through better communication and timely updates on loan status. SunTrust Mortgage December 2014-June 2016

Junior Underwriter

•Verified all documentation for accuracy, clearing conditions for completion and acceptability to satisfy its purpose.

•Utilizes proprietary and online tools to help combat fraudulent activity and ensure quality loan decisions.

•Communicate with outside title companies and internal loan officers, stakeholders, regarding status of loan and items needed from borrowers in a timely manner.

Accomplishments: Assisted senior underwriters in identifying potential risks, resulting in a 15% reduction in flagged loans during the review process. Collaborated with the underwriting team to enhance workflows, participated in mentoring sessions with new hires, contributing to their successful onboarding and achieving a 15% faster ramp-up time for new underwriters.

Citi Mortgage March 2012-December 2014

Senior Underwriter

•Analyze employment profile, credit strength, property characteristics, and all other information pertinent to the credit decision process while reviewing documentation for compliance with internal and regulatory guidelines.

•Verify accuracy of supporting employment, down payment, appraisal, and financial documentation received..

•Maintain client relationships and provide superior customer service. Accomplishments: Established a quality control framework that reduced underwriting errors by 35%, improving overall loan quality and compliance with regulatory standards. EDUCATION AND CERTIFICATIONS

Supervisor Certificate August 2025

Coursera Google Project Management July 2023

Project Management Certificate

Lone Star College, Houston, TX 56 Credit hours

Business Administration in Marketing, still taking classes. Finance Certification

3

Lisa C. Martin

Houston, Texas 77095

713-***-**** ******.******@*****.***

Diehl & Associates, Houston, TX May 2013

FHA/VA DE

Underwriting Certification

COMMUNITY INVOLVEMENT

Homebuyer Education Workshops - educate potential homebuyers about the mortgage process, financing options, and budgeting for homeownership.

Church Donation Drives – clothes and food for the community and members Houston Food Bank -feed the homeless and less fortunate families CyFair Hope Chest – free food pantry

Affordable Housing Advocacy – affordable housing options Financial Literacy Programs - to help community members improve their financial knowledge, manage debt, and understand credit scores.

Credit Repair Seminars - educate potential homebuyers on how credit works 4

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