Kimberly Lynn Stark
2625 Horsham Road	610-209-3726
Hatboro, PA 19040	[Send email using form at bottom]

OBJECTIVE:	To obtain a Quality Control Analyst position where my years of
analyzing Fraud, Quality Control, Loss Mitigation, Underwriting and Risk Analyst
skills will contribute to the success of the team and the company objectives.

PROFILE:  Strong knowledge of all aspects of Quality Control/Fraud
Investigations in the Mortgage Industry.  Strong communication skills, both
written and verbal.  Public speaking experience.  Experience in dealing with
agency audits.  System development as it relates to Quality Assurance issues from
the initial review to final recommendation.  Comprehensive knowledge of all
agency guidelines including FNMA, FHLMC, FHA and VA.  Extensive experience with
all aspects of Legal, Servicing and Compliance requirements as it relates to
First and Second Lien Mortgage financing.

EDUCATION
Bachelors of Science/ Psychology
San Diego State University, San Diego CA	May 1986

EMPLOYMENT OVERVIEW
Regional Underwriter/ QCard
GMAC BANK, Fort Washington PA	June 2007 – May 2009

Review of the underwriting of Conventional conforming and Government loans for
completeness and compliance with company and agency guidelines.
•	Customer Service and Loan Quality was my top priority.  Responded effectively
to customers (internal and  external) and actively participated in discussions to
help the department run more efficiently.
•	Reviewed, analyzed and made final determination on loan submissions when
elevated from the vendors. 
•	Worked with clients and team members (Underwriters,, Table Funding,
Correspondent Team Leaders, and Account Executives) to identify potential
solutions/alternatives for difficult loan situations.
•	Participated in the orientation of new personnel to ensure consistency.
•	Reviewed and maintained guidelines to stay up-to-date with all requirements.
•	 Proficient use of an automated underwriting system to augment the risk
analysis process, which required acceptance and understanding of artificial
intelligence technology.
•	Directly involved in the correction of Delivery Violations on specific files.
•	Reviewed  audit files for Quality/Funding issues and Watch List customers, to
determine compliance and acceptance of loan.
•	Ensured adherence to all Customer service level agreements including but not
limited to the timely return of emails, phone calls and preparation of client
meetings to discuss new company guidelines and assisted with the rating of loans
to ensure salability to the agencies. 

Quality Control Manager
GMAC Mortgage, Fort Washington PA	April 2004-June 2007
•	Ensured timely and accurate recovery of corporate advances made throughout the
default process specific to FHA, VA and Conforming loans. 
•	Created QC tracking system for all loan files to record all default reviews,
produced reports for management, vendors and staff. System is still used today. 
•	Provide feedback to internal and external groups to help prevent controllable
losses from occurring; escalated appropriately. 
•	Identified, recognized and assisted in developing staff capabilities;
delivered training as needed. 
•	Monitored, measured and provided feedback on staff performance 
•	Monitored, measured and provided feedback to vendors on their operations
and/or staff.  
•	Wrote and published Quality Control Policies and Procedures Manual. 

 

Pre-funding/Post-Funding Quality Control Specialist  		
•	Timely and accurate review of loan files both pre and post fund for company
guideline violations as well as agency violations and write reviews to be
forwarded to management. 
•	Prepared training meetings for staff and managers regarding all new and
proposed Loss mitigation policies. 
•	Reduced risk to the corporation by validating data on the documents against
the system prior to closing/funding, validated the required RESPA documents,
validated the required investor/product documents in order to reduce downstream
deficiencies. 
•	Obtained all loan files, audits, and corrected all documentation required for
compliance with internal and external loan requirements. 
•	Extensive Collateral reviews.

	
Loss Mitigation Manager
GMAC Mortgage, Keith Valley PA 	July 1999-April 2002

•	Responsible for servicing mortgage accounts to ensure the foreclosures were
processed in compliance with all state and federal laws while maintaining
compliance with Investor, Insurer, Agency and company guidelines. 
•	Requested and reviewed all updated documentation from Investors, Insurers, and
Agencies to ensure compliance. 
•	Managed foreclosure proceedings on assigned cases by interacting and
instructing various parties such as mortgagors, attorneys, investors, insurers,
Realtors, appraisers and any other party involved with the foreclosure.  
•	Monitored the attorney’s performance by reviewing all proceedings, records and
timeframes in addition to working all system/database activities throughout the
foreclosure process. 
•	Requested follow up and reviewed in detail all appraisals and BPO’s for
accuracy to determine the value of the property for the foreclosure sale,
calculation of loss analysis, establishment of deficiency judgments, payments of
advances, and/or recovery situations. 
•	Upon request, provided the attorney with accurate foreclosure figures,
including reinstatement, payoff, and assumption figures which will be provided to
external parties by the attorney. In addition, provide the attorney with
accurately executed documents as requested. 
•	Completed analysis of potential loss/litigation and provided formal
recommendations to management to reduce foreclosure expenses and mitigate
losses.
 
Other Experience	

Bankruptcy, Foreclosure and REO specialist	
Loan Officer
 All Aspects of Loss Mitigation, Mortgage Fraud, and Loss Recovery.  


Systems: Proficient in the following 
Microsoft Office
Adobe Acrobat
Publisher
Small Office applications
Loss Mitigation Systems:
LEXIS NEXIS
Core Logic (Flipping tool)
Rapid Reporting (SS Verification tool
REALQUEST (AVM tool)
Digital RISK (4506-T)
DYSSCO