Denise Stark

Cape Coral, Fl 33993

Cell:239-823-4784
* Have knowledge and experience working both side of lending: origination and op
erations.
* DE and VA LAPP approved underwriter
* Supervised underwriters in home office situation
* Managed a branch operation originating and closing loans (wholesale).
* Account Executive for over 10 years in Florida. Well established relationships
with mortgage brokers throughout Florida with most experience in SW Florida.
Mortgage Account Executive with over 25 years of lending experience. Well estab
lished relationships with mortgage brokers throughout Florida with most experien
ce in SW Florida. Comfortable establishing new accounts and maintaining pipelin
es with existing clients. Background in underwriting, operations and branch man
agement gives competitive edge over AEs who cannot underwrite loans in the field
Employment history:
Stonewater Mtg/Caliber Funding, LLC 2008 to 2010
Account Executive
Caliber bought out Stonewater in 10-09. Requirements similar to previous AE job
s but fewer products to offer, tighter underwriting guidelines to learn and trai
n for. More emphasis on training brokers on documentation required, website eng
ine for submission to underwriting and process flow. New regulations such as HV
CC, MDIA and RESPA changes required knowledge of the laws, process to comply wit
h same and website handling of new forms. Territory included all of West Coast
of Florida.
Wachovia Mortgage, Ft. Myers, FL 2008
Account Executive
Position required training mortgage brokers on all loan products, which included
how each loan program works, documentation required and procedures to submit fo
r approval. This included how to use the website and underwriting engines. Als
o required was extensive knowledge of guidelines for FHA, FNMA,FHLMC and portfol
io products such as Pay Option ARMS including complex prepay penalties and comp
plans. Close communication with underwriters frequently required. Maintenance
of pipeline reports for both loan production and broker clients as well as prosp
ecting for new clients was a part of the daily routine. Territory: Lee, Collie
r, Charlotte counties.
* Reached top producer status for office.
Countrywide Bank , Tampa, FL 2007 to 2008
(f/k/a Countrywide Financial and Countrywide Home Loans)
Account Executive
Position required knowledge of agency loan products, including FHA, as well as P
ay Option ARMs. Extensive training required on website loan approval process an
d constantly changing underwriting guidelines. Maintaining loan pipelines for e
xisting broker clients and prospecting for new accounts required daily. Underw
riting department constantly required communication from the field. Territory:
Lee, Collier and Charlotte counties.
Homecomings Financial, Ft Lauderdale, FL 2006 to 2007
Account Executive
Opened territory as company did not have an AE in this area. Required establish
ing all new accounts and extensive training on system for running approvals, Pos
ition required knowledge of agency, Alt-A, Pay Option ARMS and subprime loan pro
ducts. Trained brokers to fully understand the application system as well as t
he on-line delivery system. Coordinated loan status daily with underwriting ass
istant.
* Received recognition from Area Sales Manager for most applications delivered i
n the first month by a new Account Executive.
Countrywide, Tampa, FL 1995 to 2006
Account Executive
Countrywide consolidated 10 branches nationwide in 1999; became Account Executiv
e for Manatee, Sarasota, De Soto, Hendry, Charlotte, Lee and Collier counties.
On-line underwriting submissions started in late 1999 so extensive training requ
ired for all broker clients. Maintained underwriting authority in the field for
several years (one of only 2 in country). Required to keep on all clients appr
ised of loan programs, processes and procedures, which changed frequently.
Branch Manager, Ft. Myers (1997)
Opened new branch. Hired and trained new staff.
Assistant Branch Manager/Boca Raton
Underwriter
Promoted in 9 months to Assistant Branch Manager
* Received SAMI Award (Super Achiever in Mortgage Industry) for Commitment to th
e job.
* Charter member and 4 time qualifier for Platinum Producers Circle, which was b
ased solely on loan production.
* Attained #1 in the region for closings.
Previous Experience
DE Underwriting designation and VA LAPP approved. Underwriting supervisor, mort
gage loan processor, student loan originations, servicing and collections, comme
rcial banking as teller, proof operator, opening new accounts and an administra
tive assistant to a VP at a savings and loan.
Education: Des Moines Area Community College, Institute of Financial Education
in Chicago