Phil Carter

Phil Carter Email and Phone Number

VP Mortgage Originations VyStar Credit Union @ VyStar Credit Union
jacksonville, florida, united states
Phil Carter's Location
Jacksonville, Florida, United States, United States
Phil Carter's Contact Details

Phil Carter personal email

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About Phil Carter

Mortgage Operations and Sales ManagementRisk Management / Audit & Compliance / Loan Workouts / Loss Mitigation / Foreclosure/ P&L / Sales & Business development / Underwriting & Processing/ Business Metrics / Team Building / B2B / ForeclosureResults oriented executive with a solid record of accomplishment in credit, risk, operations, sales, management and strategic planning. Adept in cost management, recruiting, loan processes, and production flow. Specialized in building teams of dedicated, motivated and enthusiastic employees that met or exceeded target objectives. Spearheaded new loan product launchs, set up new department and trained both new and existing employees to drive sales to highest percentiles in company. Developed and implemented underwriting procedures and methods of loss prevention, improving process flow and accelerating resale of closed loans. Revitalized faltering employee morale and productivity.Key Skills: Innovative product developer, problem solver and team builder. Excellent recruiter, trainer and mentor. Natural leader. Inspires others to peak performance against demanding objectives. Developed top producing sales teams. Expert in fraud prevention and risk management. Experienced in financial analysis, cost management and P&L.Specialties: closing, competitive, computer hardware, credit, financial, functional, leadership, market planning, marketing, prime, process engineering, programming, protocols, quality, quality control, reports, retail, sales, sales training, securities, strategic,

Phil Carter's Current Company Details
VyStar Credit Union

Vystar Credit Union

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VP Mortgage Originations VyStar Credit Union
jacksonville, florida, united states
Website:
vystarcu.org
Employees:
1102
Phil Carter Work Experience Details
  • Vystar Credit Union
    Vice President Of Mortgage Originations
    Vystar Credit Union Jul 2015 - Present
    Jacksonville, Florida Area
  • Safe Credit Union
    Avp, Real Estate Lending
    Safe Credit Union Sep 2010 - Jun 2015
    Promote and Maintain programs to increase net sales, penetration and profitability.Prepare present and monitor the department budget.Manage Vendor relationships with loan servicer, appraisal vendors & ect.Monitor loan portfolio.Manage Pricing.Manage Quality.Respond to internal and external audits.Directly supervise. lead coach, hire, review and direct a team of employees.Work with Members to resolve loan work-outs and loss mitigation.Manage and direct regulatory and Compliance issues.Train staff on products, systems, guidelines and policy and procedures.
  • Fortace, Llc
    Audit Contractor
    Fortace, Llc Apr 2010 - Sep 2010
    Mortgage Fraud Investigation/Loss Mitigation
  • Cmac Consumer Mortgage Audit Center
    Forensic Auditor
    Cmac Consumer Mortgage Audit Center Aug 2009 - Jun 2010
  • Lownhome Financial
    Vp Of Credit And Operations
    Lownhome Financial Mar 2007 - Nov 2007
    VP of Credit and Operations, LownHome Financial, 2007. Managed all credit and underwriting functions, as well as production process flow and loan generation systems. Interfaced directly with secondary markets to resell loan portfolio. Oversaw loan servicing, loan workouts and loss mitigation functions
  • New Century Mortgage
    Regional Ops Manager
    New Century Mortgage 2004 - 2007
  • Fannie Mae
    Sr. Product Manager
    Fannie Mae May 2002 - Feb 2004
    . Managed the Expanded Approval™ product line, with annual volume in excess of $52B. Developed enhanced products and managed product improvements and business initiatives. Analyzed variances to determine trends and increase revenue opportunities and loan performance. Developed and implemented new emerging market strategies, performed product audits and monitored productivity, quality and compliance with company guidelines.
  • North American Dime Mortgage Bank
    National Bc Product Coordinator
    North American Dime Mortgage Bank Jan 1996 - Jan 2002
    Researched and developed new loan products and acted as liaison among all divisions within Dime/NAMC. Created and mapped all non-prime products and guides into a web-based loan submission program. Designed branch reporting processes and monitored for quality assurance.Established new product line for North American Mortgage and drove sales to top 5% in company. Company wanted to expand product line to offer range of loans to consumers. Set up new department and developed a program to retrain existing employees. Reached and maintained a funding ratio 20% higher than industry averages.Developed and integrated hardware and software for rapid pre-qualification. Dime/NAMC needed a faster borrower pre-qualification process to spur sales. Worked with a company-wide team to develop programming for the new technology. Dramatically cut approval times and enhanced marketability of product offerings.
  • Retail And Wholesale Mortgage
    Account Executive
    Retail And Wholesale Mortgage Jan 1992 - Jan 1996
    as a retail and/or wholesale loan originator for regional banks and mortgage lenders.Commercial Credit Review and Loan Collections

Phil Carter Skills

Loans Mortgage Lending Risk Management Mortgage Banking Credit Portfolio Management Loan Origination Underwriting Banking Credit Risk Management Financial Analysis Loss Mitigation Strategy Financial Risk Refinance Credit Analysis Loan Servicing Business Development Residential Mortgages

Phil Carter Education Details

  • Appalachian State University
    Appalachian State University
    Finance

Frequently Asked Questions about Phil Carter

What company does Phil Carter work for?

Phil Carter works for Vystar Credit Union

What is Phil Carter's role at the current company?

Phil Carter's current role is VP Mortgage Originations VyStar Credit Union.

What is Phil Carter's email address?

Phil Carter's email address is pc****@****aol.com

What is Phil Carter's direct phone number?

Phil Carter's direct phone number is +190490*****

What schools did Phil Carter attend?

Phil Carter attended Appalachian State University.

What skills is Phil Carter known for?

Phil Carter has skills like Loans, Mortgage Lending, Risk Management, Mortgage Banking, Credit, Portfolio Management, Loan Origination, Underwriting, Banking, Credit Risk, Management, Financial Analysis.

Who are Phil Carter's colleagues?

Phil Carter's colleagues are Tom Tan, April Lowe, Ashly Walker, Niquelle Eady, Bill Ort, Sonia Shahani, Kenneth Wilson.

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