Ellen Clayson Email & Phone Number

Develop, implement and execute a strategy for managing credit quality, credit culture, credit risk management and overall credit processes. Directly oversee and has ownership of credit policy and governance, loan committee and loan sales. Also oversee the product team who is responsible for managing all new product implementations and existing product updates.

Directly oversee and has ownership of credit policy, underwriter oversight and governance, loan committee and loan sales. Oversee all underwriting teams to ensure company goals, initiatives and expectations are met throughout the underwriting process.

Develop, refine and maintain corporate credit policy in accordance with all state, regulatory and agency lending requirements. Collaborate with key stakeholders on changes that may impact policy and procedures.

Dallas/Fort Worth Area

Credit Policy / Underwriting Responsible for asset quality of all jumbo origination through sale on secondary market Provide training of production and operations staff including monthly webinar presentations Make decisions regarding acceptable risk of mortgage loans Work to improve time loans held on warehouse lines with assuring the asset quality is pristinePublic Relations Established good working relationships with private investors in secondary market for jumbo loans Promote our asset quality throughout our wide range of jumbo offerings Build strong relationships with production employees to break down myths that jumbo loans can be originated and closed on time

Responsible for all retail residential operations including training, underwriting, closing, funding, and loan sales.Credit Policy Responsible for asset quality and performance of all closed loans Analyze numerous loan programs for acceptability to investors, the secondary market and private mortgage insurance companies Responsible for creation and maintenance of product guidelines for all loan programs offered Oversee training of production and operations staff Created proprietary Income Calculation Worksheet used by processing and underwriting to maintain consistency throughout our organization for determining the borrower's ability to repay Oversee robust pre-close audit process closing the loop on asset qualify and underwriting training Created Escalation Credit Committee to provide review of problem loans and issues that arise between origination and underwriting Monitor industry trends and maintain current knowledge of applicable market and industry developments Monitor servicing performance, investor and agency scorecards and HUD Compare Ratios in context of current loan programs, pricing and loan loss reservesUnderwriting Make decisions regarding acceptable risk of mortgage loans Issue underwriting credit authority and oversee certification training for new and existing underwriters FHA DE and VA Automatic underwriter since 1991 Obtained delegated underwriting authority with numerous private investors with lending authority to $2,500,000Public Relations Act as a counterparty liaison with capital markets to build strong relationships to aid in promoting our asset quality throughout the marketplace Established good working relationships with numerous counterparties, GSE's, warehouse lenders and vendors throughout the country Built working relationships with production employees by providing timely and efficient services along with accurate information

Bachelor Of Science, Finance

Bachelor Of Science, Finance