Hi, I’m
Teresa Gregory
York
Summary
Dynamic mortgage banking executive with a Doctorate in Business Administration and leadership experience overseeing multimillion-dollar operations. Specializes in compliance, underwriting, and technology implementation, driving efficiency and quality control. Engages in mentoring and educational presentations, ensuring industry stakeholders are informed on emerging trends and best practices.
Overview
35
years of professional experience
1
Certification
Work History
Traditions Mortgage, A Division of ACNB BankYork
President
01.2025 - Current
Job overview
- Provide executive leadership for residential mortgage banking operations, overseeing mortgage production, underwriting quality, compliance, secondary marketing, servicing, consumer lending, technology initiatives, and strategic planning.
- Oversee mortgage quality control and operational risk management.
- Develop lending policies, underwriting procedures, and operational standards.
- Evaluate emerging Artificial Intelligence opportunities within mortgage operations.
- Oversaw mortgage quality control and managed operational risk to ensure compliance and mitigate potential issues.
- Developed lending policies and underwriting procedures, establishing operational standards to enhance overall mortgage operations.
- Resolve investor repurchase requests through detailed credit analysis and guideline interpretation.
- Mentor mortgage professionals across underwriting, operations, sales, and executive leadership.
- Mentored mortgage professionals in underwriting, operations, sales, and executive leadership, fostering professional growth and knowledge transfer.
Traditions Mortgage / Traditions Bank York
Senior Mortgage Leadership Positions
01.2010 - 01.2025
Job overview
- Advanced through underwriting, operations, servicing, secondary marketing, compliance, quality control, and executive leadership over a 30+ year career.
- Defined key responsibilities, such as:
- Secondary marketing
- Investor relations
- Mortgage servicing
- Construction lending
- Consumer lending
- Compliance oversight
- Quality control
- Operational leadership
- Technology implementation
- Staff development
- Executive leadership
Education
Walden University
Doctor of Business Administration (DBA) from Finance
York College of Pennsylvania
Master of Business Administration (MBA) from Finance
York College of Pennsylvania
Bachelor of Science (BS) from Marketing
Skills
- Mortgage underwriting expertise
- Portfolio lending
- Income and credit analysis
- Risk compliance
- Fraud prevention
- Risk management
- Policy development
- Strategic decision making
- Leadership communication
- Process improvement
- Executive communication
- Microsoft Office proficiency
- Quality control
- Executive performance management
- Budgeting and cost control
- Talent recruitment
- Organizational leadership
Certification
- Certified Mortgage Banker (CMB)
- Mortgage Bankers Association
AI-RELEVANT EXPERIENCE
- Evaluate complex mortgage underwriting scenarios.
- Interpret agency and portfolio lending guidelines.
- Explain underwriting decisions in clear, understandable language.
- Review AI-generated underwriting recommendations for accuracy and consistency.
- Identify missing documentation and guideline exceptions.
- Analyze borrower income and repayment capacity.
- Validate debt-to-income calculations.
- Detect inconsistencies across mortgage loan files.
- Develop policies and procedural documentation.
- Perform quality assurance reviews.
- Provide structured feedback for model improvement.
- Train professionals on mortgage underwriting concepts.
- Evaluate reasoning rather than simply outcomes.
TEACHING EXPERIENCE
- Adjunct Faculty (10+ Years)
- Developed and taught undergraduate and graduate business and finance courses while helping students apply financial theory to real-world decision making.
- Courses Taught
- Managerial Finance
- Real Estate Finance
- Personal Finance
- Money & Banking
- International Economics
- Designed curriculum and classroom instruction.
- Created examinations and case studies.
- Evaluated analytical reasoning and problem solving.
- Simplified complex financial concepts.
- Mentored students entering business and finance professions.
PROFESSIONAL SPEAKING
- Recognized speaker and educator within the banking and mortgage industries.
- Presented educational programs for:
- American Bankers Association (ABA)
- Pennsylvania Bankers Association (PBA)
- Mortgage Bankers Association (MBA)
- Mortgage banking professionals
- Banking executives
- Lending operations teams
- Presentation topics include:
- Mortgage Underwriting
- Residential Lending
- Mortgage Compliance
- Credit Risk
- Quality Control
- Mortgage Operations
- Regulatory Changes
- Technology
- Artificial Intelligence Applications
- Leadership
Accomplishments
- Central Penn Journal's Women of Influence
Affiliations
- York College of PA Board of Trustee
- Better York Board Member
- York Builders Association Board Member
Timeline
President
Traditions Mortgage, A Division of ACNB Bank
01.2025 - Current
Senior Mortgage Leadership Positions
Traditions Mortgage / Traditions Bank
01.2010 - 01.2025
Walden University
Doctor of Business Administration (DBA) from Finance
York College of Pennsylvania
Master of Business Administration (MBA) from Finance
York College of Pennsylvania
Bachelor of Science (BS) from Marketing