Debra Carter Email and Phone Number

Negotiations SpecialistRemoteAs a Negotiations Specialist I played a key role in the success of our clients becoming free of debt. Working on behalf of clients, I coordinated efforts to help negotiate delinquent accounts for the best possible savings. I excelled in communication and relationship-building with external partners, driving successful outcomes for both our clients and our business. This position offered a unique and rewarding opportunity to make a meaningful impact.How I performedEstablish and maintain strong relationships with external partners to effectively negotiate delinquent accounts on behalf of clients.Oversee client finances, providing guidance and determining the best strategies for addressing client inquiries and requests.Utilize various tools and resources to consolidate common debts from multiple clients, enhancing negotiation leverage with agencies.Demonstrate excellent time management and multitasking skills to efficiently manage account queues.Consistently exhibit a genuine passion for helping others, with a strong focus on meeting clients' needs.Participate in additional duties and special projects as required.

Evaluated mortgage loan applications and assessed lender risk. Reviewed supporting documentation including titles, financial records, verification of employment, and credit reports. Investigated red flags, resolved issues, and approved loans in adherence with government sponsored enterprise (GSE) guidelines and other banking industry regulations. Identified and implemented process improvements to increase efficiency, exceed timelines, and reduce costs. Served as point of contact for customers to provide updates and resolve questions.KEY COMPETENCIES: CROSS-FUNCTIONAL COLLABORATION, PROCESS IMPROVEMENT, ISSUE RESOLUTION, CUSTOMER SUPPORTAttained scores of 9-10 in JD Power customer satisfaction surveys through exceptional client-focused service● Collaborated with cross-functional teams to expedite document collection process and secure low interest rates● Created Word template to streamline loan accuracy check process and resolve issues with missing information● Maintained continuous client communication and support throughout loan application process

UNDERWRITER/QA ANALYST: Conducted detailed analysis and review of newly originated and seasoned loan products for completeness and accuracy. Evaluated and verified income, assets, credit reports, contracts, appraisals, compliance documentation, and other personal financial records. Communicated requirements and decisions to clients. Maintained knowledge of and ensured adherence to all applicable underwriting guidelines and regulatory requirements.KEY COMPETENCIES: DATA REVIEW & ANALYSIS, RISK MANAGEMENT, QUALITY ASSURANCE, COMPLIANCE, ORGANIZATIONIncreased productivity 10% and reduced fraud risk through detail-oriented quality assurance activities● Completed advanced Q/A course to enhance knowledge and increase productivity levels● Identified portfolio risks relating to underlying client business practices or fraud exposure● Conducted comprehensive analysis and evaluated risk to control and mitigate underwriting loss

MERCHANT UNDERWRITER: Conducted risk-based underwriting reviews of applications for merchant payment processing accounts. Assessed consumer and business documentation in line with applicable laws and guidelines. Analyzed client-specific “know your customer” (KYC) and “know your business” (KYB) policies and procedures. Identified trends in application attributes/existing payment processing behavior to mitigate risk and fraud. Handled inbound and outbound phone calls from existing and prospective customers.KEY COMPETENCIES: ACTIVE LISTENING, CUSTOMER RELATIONS, CLIENT EXPERIENCE MANAGEMENT, COORDINATIONSafeguarded company reputation for positive customer service experience by providing compassionate support● Served as point of contact for customer to address concerns regarding funding application status● Explained reasoning for additional documentation request to enable processing of application● Coordinated receipt and administration of client business financials and approved funding request KEY COMPETENCIES: COMMUNICATION, PHONE CALLS, PROCESS IMPROVEMENT, CUSTOMER SUPPORT, DOCUMENTATIONImproved customer support through development of standard script for handling difficult conversations● Researched and documented effective approaches for handling sensitive calls and conversations with clients● Created script template to enhance consistency and efficiency in resolving challenging issues● Distributed script to team to reduce time spent on complex matters and provide effective support to customers KEY COMPETENCIES: ANTI MONEY LAUNDERING, FRAUD RISK REVIEW, REGULATORY COMPLIANCE, REPORTING, ANALYSISMitigated risk exposure and fines/penalties with anti money laundering (AML) and fraud detection activities● Analyzed financial activity for risk such as money laundering, collusion, explosive growth, and/or overextension● Identified fraud trends and reported suspicious activity in accordance with applicable regulations

● Reviewed, post funded loans to ensure salability according to Bank of America’s internal guidelines and credit overlays. I successfully perform audit requested from the department due to my extensive knowledge of underwriting guidelines. Including, correcting AUS, when appropriate to ensure loan salability to GSE’s. ● Performed CRA (Community Reinvestment Act) deal for Freddie Mac. Managed AUS report review ensured systematically delivery to GSE of now salable loans. ● Created SharePoint site for our Department Resource Library for all job aids, Mustang Rules, monthly meeting minutes. Scripted meeting minutes for all monthly team meetings, while also updating and maintaining Resource Library. ● Managed and performed the PDA (Post Delivery Audit). The Post Delivery Audit is a contractual review for secondary marketing of a said amount of pooled loans each month to ensure high quality and accurate deliverable ULDD (Loan Delivery Data) to the GSE. ● Managed MQA (Making Quality Assurance) underwriting reviews that were cited as funded in error. Collaborated with MQA Team to place loans on deficiency to clear or escalate a loan as needed. Cited deficiencies and curated post funded loans by reviewing all underwriting documents that were marked as (FIE) funded in error by QAS Team. Placed said loans on deficiency to be cured; reviewed all defect underwriting documents to ensure clearable defects and salability to guidelines. Incurable loans were escalated to our internal unsalable inventory process. ● Performed specialized audits and deep-dive review of loans; including Adhocs from other work groups. Including Post Delivery Audit and Data Integrity Audit.● Responsible for comprehensive review of all loans to ensure investment quality and mitigate risk to the company.

Senior Underwriter:Wholesale sub-prime frontline underwriter with underwriting certification and signing authority.Extensive underwriting knowledge of internal and external guidelines; including the ability to manually underwrite each loan using our internal AUS system for clean approvals, conditions, and purchase ability.Trained new employees in all phases of the underwriting process of both primary and investment properties.Analyzed all mortgage applications and documents for veracity. Reviewed to ensure conditions had been applied effectively on all loans.Successful in reaching and exceeding daily quotas, which resulted in maximizing monthly bonus opportunity without compromise to quality. Responsible for comprehensive review of loans to ensure investment quality and mitigate risk to the company.Oversaw the loan process from initial credit decision through to final approval and signed-off on all loan conditions.

Senior Underwriter:Top performing wholesale sub-prime frontline underwriter with underwriting certification and signing authority.Extensive underwriting knowledge of internal and external guidelines; including the ability to manually underwrite each loan using our internal AUS system for clean approvals, conditions, and purchase ability.Trained new employees in all phases of the underwriting process of both primary and investment properties.Analyzed all mortgage applications and documents for veracity. Reviewed to ensure conditions had been applied effectively on all loans.Successful in reaching and exceeding daily quotas, which resulted in maximizing monthly bonus opportunity without compromise to quality. Responsible for comprehensive review of loans to ensure investment quality and mitigate risk to the company.Oversaw the loan process from initial credit decision through to final approval and signed-off on all loan conditions.

Senior Underwriter:Top performing consumer frontline HELOC underwriter for HELOC home loans.Processed from application to final loan approval with verbal communication to borrowers of their new loan and stipulations to hand-off at funding.Analyzed income, appraisal, application, issued loan approvals and constant contact with clients.