Christine Clifford

Christine Clifford is President and a Principal owner of Access Mortgage Research & Consulting, Inc. and has over 20 years of experience in the financial services industry spending much of that time as a consultant at Access Mortgage Research. She divides her time between on-going benchmark studies, on which she directs the analytical work, proprietary research, new project development and managing business operations of the firm. Maximizing the usefulness of the benchmark studies’ findings is Christine’s primary commitment to clients. Through individual analysis of each participant, she develops strategies to improve each firm’s profitability. As an outgrowth of her experience analyzing mortgage banking profitability and operations, she is frequently commissioned for proprietary research and consulting projects. Recently she has worked on a series of projects helping clients manage risk and improve sales’ efficiency and effectiveness. Christine has helped write a series of definitive studies on subservicing and the mortgage banking and brokerage industry. These studies were used by industry members and other interested parties to understand the size and shape of these segments of mortgage lending.Christine is a Certified Mortgage Banker and has a Masters Degree in Business and Management from the Smith School of Business at the University of Maryland. Prior to joining Access Mortgage Research in 1993, Christine gained financial services and real estate experience at Alex. Brown & Sons, TRW, Trans Union, Freddie Mac, and SMR Research.