Nancy Flowers Email and Phone Number
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Articulate professional with strong background in all phases of consumer lending with specific focus on Risk Management, Credit Policy, Asset Liquidity, and Mortgage Lending. Sucessful manager of a team that consistently exceeded expectations.Member of Collateral Valuation Committee with extensive knowledge of appraisals, both traditional and Automated Valuation Models Familiar with consumer lending policies and products as well as traditional mortgage guidelines and underwriting requirements including consumer regulationsSecond level underwrting support with lending limit of $5,000,000 Strong customer service and negotiation skills Ability to prioritize to meet required schedules and objectivesEffective communicator, both written and verbal, with customers, staff members and management Experienced in all Microsoft Office applications and other office computer programsSpecialties: Account management, banking, capital markets, closing, coaching, content management, credit, database administration, due diligence, financial, forms, hiring, instruction, legal, personnel, policy analysis, prime, quality control, real estate, reports, risk management, sales, seminars, supervisory skills
Bank Of America
View- Website:
- bankofamerica.com
- Employees:
- 232061
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Vice President - Consumer Credit Risk Officer IiiBank Of America Mar 2010 - PresentCharlotte, North Carolina Area- Responsible for developing and maintaining program procedures for consumer loan products - Subject matter expert for Government Lending team - Prepare policy change requests for updating / changing / clarifying policy - Perform research and establish scope of changes - Prepare guideline drafts for review and governance - Developed and published departmental procedures for the policy change process - Assisted with policy alignment between legacy mortgage companies - Project Manager for development of Q&A Support Site for receiving and answering questions pertaining to guidelines - Chaired a cross-department forum for discussion of credit policy interpretation, issues and upcoming changes - Analyze the resulting impact on performance of previous changes made to policy -
Corporate Credit OfficerWells Fargo Bank Feb 2009 - Oct 2009Wells Fargo Corporate Credit- Assisted with merger related activities for the Wells Fargo/Wachovia merger. Some projects included: - Helped to design the "go to" model for Credit Policy approvals with the Home Equity division - Worked on delegated lending authority limits - Led discussions on the exception authority process and reporting requirements - Assisted with Credit Policy alignment across all lines of business to include the Real Estate appraisal policy and the segregation of the Wachovia Consumer Lending Manual into individual lines of business policies - Team member for Income and Capacity Project to gain consistency and facilitate the decreased use of stated income loan products - Prepared the Fair and Responsible Lending template for Home Equity and PCM lines of business including collection of supporting doucments and reports -
Vice President - Credit Policy ManagerWachovia Corporation Jan 2001 - Feb 2009- Managed a team of five people engaged in the Credit Policy management function of the Risk Management Department- Responsible for oversight and personnel duties for the team- Managed the maintenance of the Consumer Lending Manual for General Bank, Wachovia Mortgage Equity Division, Education Finance, Card Services, and Dealer Services- In addition to the policies for the lines of business, sections were maintained for Regulatory Policies and State Law InformationDuties included both oversight for the content and the actual writing and implementation of the policies into the on-line system. -
Credit Administration/Liquidity OfficerFirst Union National Bank Aug 1999 - Jan 2001- Supported Risk Management functions regarding the liquidity of the various bank portfolios- Analyzed data and identified trends in origination data and delinquencies- Managed several liquidity audits for different portfolios. This involved on-site review as well as the coordination efforts, final data input, analysis and report to Senior Management- Reviews were conducted of the origination files and collateral perfections documents -
Conduit Account ManagerFirst Union National Bank Feb 1997 - Aug 1999- Responsible for credit policy oversight for the Prime Residential Mortgage Finance Conduit- Reviewed and approved applicants for approval of new lenders to sell loans to the conduit- Maintained a database of approved lenders by performing and annual review of financials- Performed on-site due diligence for lenders requesting delegated underwriting status- Responsible for repurchase activities, both defense of our position with investors and issuing repurchase requests to lenders -
Quality Control Auditor/LiaisonFirst Union National Bank Jul 1994 - Feb 1997- Responsible for all aspects of the quality control process for the Capital Markets Conduits, both Jumbo and Subprime- Instrumental in the development of the required procedures to comply with investor requirements and industry standards surrounding quality controlServed as a resource for the processing teams, answering questions on procedures and regulatory issues- Review of loans on a random selection basis, early payment defaults, and targeted and discretionary reviews- Preparation and presentation of quality control findings reports to Senior Management -
Correspondent UnderwriterFirst Union National Bank Sep 1993 - Jul 1994Underwrote Mortgage loans for correspondent companies to sell to First Union. -
Processing Team LeaderUsaa Servicenter Nov 1991 - Sep 1993Supervisory responsibilities for a team of up to twelve members involved in the processing and closing of mortgage loans
Nancy Flowers Skills
Nancy Flowers Education Details
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Professional Development -
Brunson DarganBusiness
Frequently Asked Questions about Nancy Flowers
What company does Nancy Flowers work for?
Nancy Flowers works for Bank Of America
What is Nancy Flowers's role at the current company?
Nancy Flowers's current role is Retired from Bank of America and Wells Fargo.
What is Nancy Flowers's email address?
Nancy Flowers's email address is dr****@****ail.com
What is Nancy Flowers's direct phone number?
Nancy Flowers's direct phone number is (866) 607*****
What schools did Nancy Flowers attend?
Nancy Flowers attended Professional Development, Brunson Dargan.
What skills is Nancy Flowers known for?
Nancy Flowers has skills like Credit, Banking, Risk Management, Coaching.
Who are Nancy Flowers's colleagues?
Nancy Flowers's colleagues are Melissa Hunter, Sophia Westmoreland, Kalyan C, Shikha Dwivedi, David Bosselait, Diana Concha, Shelieza Samaroo.
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Nancy Flowers
Louisville, Ky3syb.com, syb.com, insightbb.com1 (502) 5XXXXXXX
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3sti.edu, cfl.rr.com, treefrogdata.com
2 +132161XXXXX
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