1. Lisa M. Henderson
242 Travis Street
Lindenhurst, NY 11757
(631)957-7939
ldhende@msn.com
Education: State University of New York at Cortland; Major: Economics Minor: Business Management
I am looking for a position in the financial industries where I can continue to grow my knowledge and experience.
Professional Experience
Bank of America 10/22/2012- present
Condo/CoOp Project Review Underwriter
Review projects for risk and approval according to bank’s compliance procedures and specific regulations as applicable to the mortgage
lending industry. Adhere to regulations from secondary market and bank policy. Review HOA questionnaires, Appraisals, Titles, Master
Insurance policies, budgets and financials. Review litigation and leasehold risk. Underwrite and approve projects.
Business Control Specialist (Cross Consumer Initiatives)
· Gather and organize data in order to monitor and test the effectiveness of key controls and status of mitigation and action plans.
· Assist team in gathering and organizing data that will help track, report and manage internal control gap issues and mitigation
plans; knowledge of Metro 2 guidelines and bank practices.
-Was selected for special project to write test scripts across different lines of business closing over 50 gaps before the year end.
-Selected for special project to determine blocked/suppress loans root cause and origination.
· Researches possible causes for the failure/exception/rejects from the Credit Reporting Agency and identify gaps; reports suspected
systemic issues and trends for research. Determine root cause of each gap.
· Mentor and provide support to the process testers within the Line of Business.
Home Service Specialist II
-SASE approval level received for sign off and approval on certain loan products.
· Responsible for clearing conditions and issuing changes to the terms and underwrite and approve loans.
· Responsible for, but not limited to verifying conditions of approval including, customer income/assets documentation, resolving
routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and
undisclosed liens re-conveyance; processes subordinations; resolves appraisal disputes.
· Performed thorough quality reviews of all loans to ensure accuracy and to avoid any errors/deficiencies that may cause risk and or
loss for the bank.
H&R Block Tax Specialist III
2009- 2013
Prepared individual tax returns provided tax advice and conducted related tax research. Reviewed client documentation and determined
appropriate federal and state forms required. Submitted documents for and funded Rapid Anticipation Loans and Emerald Advance
Loans. Supervised clerical staff and performed office management functions as necessary.
Mortgage Underwriting Consultant
1992-2002
Provided consultant services for various banks. Addressed a backlog of applications for mortgages for major banking institutions
including Chase Manhattan, Greenpoint Savings Bank and Citicorp that awaited underwriting. Provided customer service assistance in
regard to applicant screening and review along with underwriting duties. Heavy customer interaction.
Citicorp Mortgage Inc. Mortgage Underwriter
1988 to 1992
Reviewed mortgage applications, evaluated credit and personal financial documentation to determine applicant’s mortgage
requirements. Determined applicants’ net worth and related property value, past credit history and monthly income. Calculated client’s
ability to borrow on property. Bonded with the ability to approve and sign on Jumbo loan values.
Coreast Savings Bank 1985-1988 Underwriter, Head Processor
Supervised staff of processors evaluating mortgage applications using FNMA/FHLMC guidelines. Determined loan rates using
Federal Reserve Indexes, created rate sheets and interacted with sales force regarding requirements for applicants.
Signing authority on loans to the FNMA/FHLMC maximum.