Patrick Carey Email & Phone Number

Charlotte, Nc, Us

BANK OF AMERICA, Charlotte, NC​ ​ May 2011 – PresentConsumer Lending DivisionManaging Director & Senior Vice President, Consumer & Small Business Credit Executive, January, 2020 - Present National responsibility for Consumer Credit (Underwriting & Fulfillment, Credit Strategies and Credit Policy) for Mortgage, Card, Auto, Small Business and Merchant Services. National Underwriting and Fulfillment Executive, ​January, 2017 – PresentLead the nation-wide Underwriting (2020) and Fulfillment organization for Mortgage, credit card, auto and small business products. SVP, Consumer Lending Business Enablement & Client Experience Executive​ June 2016 – January, 2017.Selected to manage the 500-member Loan Origination group. Serve as the Chief Operations Officer for BOA’s Consumer Lending Executive. SVP, Vendor Management Executive, Consumer Lending​ ​Oct 2015 – June 2016Prior to becoming the Vendor Management Executive, Patrick was the External Servicing Oversight and Surveillance Executive (ESOS), responsible for the delivery and execution of the sub servicing portfolio, focusing on strategic business engagement that preemptively drove mortgage servicing strategies.Prior to becoming the ESOS Executive, Patrick served as the Credit Loss mitigation strategies (CLMS) and default Investor Relations management Executive, responsible for the creation and execution of strategies impacting credit losses, operational effectiveness and line of business investor and insurer performance metrics. Prior to that role, Patrick was the Case management Executive, with end to end responsibility for the single point of contact (SPOC) model within Legacy Asset Services. Patrick led the front-end loss mitigation organization, comprised of approximately 10,000 FTE over 25 sites.Held for Investment and Specialty Segments executive for Legacy Asset Servicing at Bank of America.

Co-founder and Chief Operating Officer (COO) of Pinnacle Services and Consulting, LLC (PSC) a provider of Collection and Loss Mitigation strategy consulting, Property Inspection and Preservation Services, Foreclosure Title Orders and Compliance and process reviews for participants in the Fiancial Services industry.

Ft. Mill, South Carolina, Us

A provider of Collections and Loss Mitigation consulting services, compliance and process reviews, and Foreclosure Title and Property Inspections and Preservation in the Mortgage servicing industry.Overall responsibility for the holding company that is currently comprised of an REO company, a full service loss mitigation provider with the unique abiltiy to provide loss mitigation "at the kitchen table", and a full servicve loss mitigation provider on the Island of Puerto Rico.Create, implement and execute the strategic vision for the company.Strengthen the brand recognition of the company in the mortgage servicing industry.Create and maintian relationship with key stakeholders in the industry - Fannie Mae, Freddie Mac, FHA/HUD, MI companies, investors servicers and members of Congress and their staffs.

San Francisco, California, Us

Manage all Default related areas within Wells Fargo Home Mortgage including Collections, Loss Mitigation, Foreclosure, Bankruptcy, Claims, Property Preservation, Default Reporting, Default Information & Analytics, and REO for the prime, sub prime and scratch and dent portfolios.Won Wells' coveted Capitol Connection award for representing the company on key industry initiatives and issues on the Hill.

Commercial & Residential RealtorManaged all commercial real estate transactions for two of the three offices, specializing in transactions of $5 million or less.Created & managed a group of top performing Realtors known as the "Gold Team".Achieved Certified Commercial Investment Manager (CCIM) candidate designation.

Managed the Long-term disability field offices for UNUM America in GA, CA, IL, NY & Toronto, Canada.Managed a reserve pool of approximately $3 billion, with a department budget of approximately $56 million.

Served as Chief Quality Officer and head of Operations for First Card, First Chicago's credit card division in Elgin, Illinois.

New York, Ny, Us

Chase Domestic Securities Operations (USSO)5/96 - 1/97, New York- Review & recommend methods of improving processes within the domestic securities operation. - Managed MIS & Financial functions for USSOChase Bankcard Services, 9/94 - 5/96, New York - Managed the Northeast Collection Department for Chase Bankcard Services $12 billion charge card portfolio - reduced dollars flowing from 90-day delinquent to charge off by 20-25%.Chase Home Mortgage Corproation, 7/90 - 9/94, Florida - Customer Support & Escrow Manager - Collections Manager