Lisa Lane is a Mortgage Leader with over 20 years of experience in business development, strategic planning, management, process improvement, and risk assessment. She has held various leadership roles such as Underwriting Manager and Lending Manager where she managed teams, improved processes, and increased revenue. Her expertise includes underwriting, training, auditing, and problem solving. She is currently an Underwriting Manager at Everbank where she oversees a team of 15 underwriters and ensures high quality and compliance.

1. Lisa Lane (lnmlane@att.net)
12671 Dunraven Trail, Jacksonville FL 32223
Home 904-880-2493 cell 904-334-5376
Business Profile
A resolute and top-performing Mortgage Leader who is profit-oriented, innovative, and
performance-driven. Demonstrates and uses effective strategies and planning procedures
to increase revenue. Resourceful and effective problem solver, able to develop
customized solutions to address the market needs. Cultivates lasting business
relationships that generate opportunities for organic growth and customer satisfaction.
Areas of Expertise
• Business development • Change
management
• Strategic Planning
• Auditing/Compliance • Problem Solving • Quality Control
• Management • Process
Improvement
• Team Member
Engagement
Accomplishments
Business Process- Integral Part in the development of the strategy within
fulfillment/operations to grow a specialized team of non-conforming underwriters to
support help grow the business.
Management- Lead and managed teams of underwriters(FHA, VA, Conventional, Bond
and Non-Conforming) to engage with external/internal business partners through
analyzing, implementing and updating processes while executing sound process
improvement models and techniques. Mentored team members, enhanced individual
performance and growth. Implemented a key process that significantly decreased the
cycle time from approval to closing from 90 days to 45 days. Collaborated with Sales
Managers to select dedicated Home Loan processors for the Non-conforming program
and aligned them with dedicated underwriters. This task helped to develop a strong
partnership and trust between sales and fulfillment.
Process Improvement- Developed the training for the Home Loan Processors and Sales
force for the Southeast division on the Non-conforming program. Developed the training
and delivered the material to the 45 Home Loan Processors and 200 Home Mortgage
Consultant via a conference call (live meeting). Continued to have bi-weekly calls with

2. the Home Loan Processors and Home Mortgage Consultants to go over any changes to
the program. Quality improved 65% once this training was completed.
Risk Assessment. Complete analysis, measuring program effectiveness and
recommends activities and program strategies. Inspect, gather, and give feedback,
actively taking action to ensure metrics are moving in the right direction and achieving
desired results. Areas of inspection include compliance, credit quality, customer loyalty,
standard process adherence, and pipeline management
Professional Experience
June 2014-present Everbank Mortgage
Underwriting Manager, Everbank
• Manage residential staff of 15 underwriters (Conventional, FHA/VA, Portfolio,
HARP, Bond, CRA Programs and HELOC’s)
• Manage the quality performance of the underwriters in the Jacksonville office.
Proficient in guidelines for non-conforming (Jumbo) program, FHA, VA, Bond,
Harp, CRA and HELOC. I have discretion authority and complete second level
decline reviews. Review, consult, and make final recommendations on loan
profiles. Perform monthly underwriter audits.
• Collaborate with the credit quality team on the reviews and trends on the
underwriters and provide additional training as needed.
• Develop and serve as senior mentor to both sales and service personnel on all
questions related to underwriting requirements and the relationships.
• Review Test cases for underwriters obtaining their authority.
• Complete training and provide effective resolutions for the local operations on
quality trends, product, regulatory changes, underwriting issues, and increasing
staff skills sets.
• Work with OPS Manager to ensure smooth flow between Credit, OPS, and Sales.
• Maintain regular communication with the Divisional underwriting team to ensure
clear understanding of corporate publications/announcements and maintains
regular communication to staff and sales partners.
August 1995-to May 2014 Wells Fargo Jacksonville, Florida
2013-Present
Underwriting/Lending Officer, Wells Fargo Mortgage
• Planning and implementing quality and compliance risk.

3. • Manage the quality performance of the Portfolio (Jumbo), FHA and VA team for
the Southeast market. Proficient in guidelines for non-conforming (Jumbo)
program, FHA, VA have discretion authority and complete second level decline
review. Review, consult, and make final recommendations on loan profile.
Perform periodic underwriter audits.
• Collaborate with the site Quality auditors on the reviews and trends on the
underwriters and provide additional training as needed.
• Develop and serve as senior mentor to both sales and service personnel on all
questions related to underwriting requirements and the relationships.
• Review Test cases for underwriters obtaining their authority.
• Complete training and provide effective resolutions for the Site on quality trends,
product, regulatory changes, underwriting issues, and increasing staff skills sets.
• Work with OPS Manager to ensure smooth flow between Credit, OPS, and Sales.
• Maintain regular communication with the Divisional underwriting team to ensure
clear understanding of corporate publications/announcements and maintains
regular communication to staff and sales partners.
2008-2013
Underwriting/Lending Manager 2, Wells Fargo Mortgage
• Managed residential staff development, staff between 25-35 underwriters
(Conventional, FHA/VA, Portfolio)
• Review and recommend new credit authority and work procedures to streamline
processes
• Partnered with Quality Auditing Team and worked with them closely on any
issues and trends they find in the site of 100 employees.
• Monitored the daily reports to ensure credit quality and compliance
• Prepare training for the site in regards to the trends from those reports.
• Liaison between sales, service, and Credit exception team.
• Served on the project team that developed the Non-conforming training for the
Wells Fargo Mortgage Corporation.
• Serve as senior mentor to both sales and service personnel on all questions related
to underwriting requirements.
• Work with OPS Manager to ensure smooth flow between Credit, OPS, and Sales.
December 2010-May 2011
Lending Manager 3(interim), Wells Fargo.
• Directly managed the processors and the closers during this time and continued to
support the underwriters. When the Site Leader was out of the office, I would
manage the fulfillment site. Managed 4 team leaders and mentored them during
this time period.

4. • Serve as senior mentor to both sales and service personnel on all questions related
to underwriting requirements.
August 1995-2008 Wachovia Mortgage Jacksonville, FL
2005-2009
Credit Consultant/Underwriter Lead, Wachovia Mortgage
• Manage residential staff development and quality credit measures to ensure
overall performance of the credit operational area.
• Review and recommend new credit authority and work procedures to streamline
processes. Kept informed of mortgage products, underwriting guidelines to
ensure loans are within regulatory, and investor guidelines.
• Monitor reports to ensure credit quality.
• Liaison between service center, sales, and Investor relations (exception team).
Ensure ongoing communication to employees and superiors.
• Support special projects as necessary.
• Serve as senior mentor to both sales and service personnel on all questions related
to underwriting requirements.
• Work with OPS Manager to ensure smooth flow between Credit, OPS, and Sales.
2002-2004
Direct Endorsement Underwriter/Team Lead, Wachovia Mortgage
• Manage the day-to-day operation of a processing team, from processing,
underwriting to closing.
• Review investor and product guidelines to ensure loans meet requirements.
Determine that all documentation is in the file for the loan type and investor
requirements. Analyze all credit documents and make sound decisions on
whether a loan should be approved or declined. Set conditions for loan approval;
interact with customers if initial loan application is not complete.
• Underwrote mortgage loans, signing authority up to $5 million and exception
signing authority of $1 million.
• Analyze credit worthiness by examining tax returns, paystubs, bank statements,
credit reports, and appraisals.
• Serve as a resource and senior mentor to both service and sales personnel on all
questions related to underwriting, processing, and closing requirements.
• Monitor and maintain various team related reports, assist in reduction of
exception loans. Participate in monthly underwriting, processing, and closing
meetings.
• Lead service team prescribed timeframes and unit goals.
1998-2001
Loan Processor/Automated Underwriter -Wachovia Mortgage Jacksonville FL

5. • Reviewed investor and product guidelines to ensure loan meets requirements.
Determine that all documentation is the file for the loan type and investor
requirements.
• Analyze all credit documentation and make sound decision if it complies with
investor guidelines.
• Setup new applications and gather all information needed to meet underwriting
guidelines for a loan approval.
• Handle conventional and special product loan types (EX: Bond, Heloc, Ship
Programs). Usage of Desktop and Loan Prospector systems to underwrite
conforming loans.
• Trained team members for processing and usage of automated underwriting
systems. Continued to keep up with closing knowledge to help with closing
documents when needed.
1996-2001
Legal Specialist/Closer, First Union
1995-1996
Closing Scheduler, First Union
Certification/Skills
• Frank-Dodd Training • Regulatory Training
• AML-Anti-Money Laundering
Training
• Process Mapping/Process
Management
• DE Endorsed
Achievements
• Volunteer Service
Excellence Winner
• Leadership Service
Excellence Award
• Outstanding
Supporting Team
Member Award
• Diverse Mentor
Education
FCCJ-Jacksonville, Florida
Insurance Management

6. • Reviewed investor and product guidelines to ensure loan meets requirements.
Determine that all documentation is the file for the loan type and investor
requirements.
• Analyze all credit documentation and make sound decision if it complies with
investor guidelines.
• Setup new applications and gather all information needed to meet underwriting
guidelines for a loan approval.
• Handle conventional and special product loan types (EX: Bond, Heloc, Ship
Programs). Usage of Desktop and Loan Prospector systems to underwrite
conforming loans.
• Trained team members for processing and usage of automated underwriting
systems. Continued to keep up with closing knowledge to help with closing
documents when needed.
1996-2001
Legal Specialist/Closer, First Union
1995-1996
Closing Scheduler, First Union
Certification/Skills
• Frank-Dodd Training • Regulatory Training
• AML-Anti-Money Laundering
Training
• Process Mapping/Process
Management
• DE Endorsed
Achievements
• Volunteer Service
Excellence Winner
• Leadership Service
Excellence Award
• Outstanding
Supporting Team
Member Award
• Diverse Mentor
Education
FCCJ-Jacksonville, Florida
Insurance Management