Carlus K. Flowers
Waldorf,United States
Summary
Financial Professional with over 25 years of progressively responsible positions within the Financial Services Industry. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
27
27
years of professional experience
Work History
Loan Specialist-Team Lead
Small Business Administration (40 Hours Weekly)
2023.01 - Current
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Explained very technical financial information to applicants in easy-to-understand language.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Managed team of five Loan Officers who are responsible for charging off delinquent EIDL loans for the Small Business Administration.
Government Relations Senior Associate
Fannie Mae (40 Hours Weekly)
2010.04 - 2022.10
- Served as point of contact with Congressional offices on constituent complaints and policy matters related to Fannie Mae policies, modifications, refinances and Fannie Mae Real Estate Owned (REO) property purchases.
- Served as point of contact with Attorney General offices on consumer complaints and policy matters related to Fannie Mae policies, modifications, refinances and Fannie Mae Real Estate Owned (REO) property purchases.
- Coordinated with Federal Housing Finance Agency (FHFA) on policy matters and congressional inquiries that required coordination between Fannie Mae and FHFA.
- Worked with Fannie Mae Loss Mitigation Team to review borrowers for loss mitigation retention assistance.
- Worked with internal departments to assure that all inquiries are being resolved by subject matter experts.
- Performed audits on SharePoint tracking system to assure that all inquiries related to consumer complaints were properly documented and resolved within timely manner.
- Monitored and analyzed policy, legislation and regulatory activities at local, state and federal government levels.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Customer Contact Specialist Level II
Fannie Mae (40 Hours Weekly)
2009.04 - 2010.04
- Resolved complex and sensitive borrower complaints that required internal communication and consultation.
- Completed investigations and provided resolution responses to inquiries from the United States Treasury Department's Homeownership Preservation Foundation.
- Served as back up to the Fannie Mae Resource Center Level 1 management team.
- Created Standard Operating Procedures on reoccurring matters for the Fannie Mae Resource Center.
- Documented Fannie Mae resolution responses to borrower complaints by using the database application known as ITS.
- Collaborated closely with the National Property Disposition Center personnel to resolve inquiries related to Fannie Mae owned properties nationwide.
- Provided relevant data, statistics, and analysis to management regarding new trends or sensitive issues related to Making Home Affordable (MHA) escalations.
Banking Center Manager
Industrial Bank (40 Hours Weekly)
2007.12 - 2009.04
- Responsible for managing daily operations and sales of Banking Center.
- Provided direction and leadership to branch employees with emphasis on superior customer service, achieving sales goals, increasing service and efficiency, and teamwork.
- Responsible for taking business loan applications through web-bases computer system and make recommendations to approve or decline business loans.
- Recruited and hired talent for operations and service delivery and managed branch offices by mentoring and cross-training new leadership as part of succession planning.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Supervised branch employees to include coaching, counseling, and conducting performance evaluations.
- Conducted briefings related to audits and inspections to upper management.
- Provided outstanding customer service to all clients.
Mortgage Consultant
Wachovia Bank (40 Hours Weekly)
2007.03 - 2007.09
- Managed mortgage loan applications from start to end by using web-based computer systems.
- Explained different types of loans pertaining to client situations.
- Obtained copies of applicants' credit scores, credit histories and reviewed paperwork to determine feasibility of granting loans.
- Provided outstanding customer service to all clients.
Mortgage Loan Executive
SunTrust Bank (40 Hours Weekly)
2006.04 - 2007.03
- Worked with customers to help obtain a VA, FHA, conforming, or nonconforming loan.
- Prepared detailed submission worksheet to calculate customer’s qualifying loan to value ratios.
- Evaluated credit histories to determine a borrower's credit worthiness.
- Prepared lending applications and calculated Good Faith Estimate and Truth in Lending statements.
- Worked with customers face to face, as well as, over the phone to explain the specifics of their loan and to assure correct signatures on all documents.
- Assured that appraisals were ordered through a state certified appraiser.
- Interacted with attorneys and title companies to obtain title work and subordination agreements.
- Provided outstanding customer service to all clients.
Bank Account Executive
Bank Of America (40 Hours Weekly)
2003.02 - 2004.05
- Built and strengthened relationships with new and existing accounts to drive revenue growth.
- Worked with Branch Managers and Account Officers to generate new mortgage loan applications through Bank of America's web-based computer system known as Loan Solutions.
- Prospected new clientele through networking, cold calling, canvassing and referrals.
Banking Center Manager
Bank Of America (40 Hours Weekly)
2001.09 - 2003.02
- Recruited and hired talent for operations and service delivery and managed branch offices by mentoring and cross-training new leadership as part of succession planning.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Complied with established internal controls and policies.
- Assessed employee performance and developed improvement plans.
- Maintained friendly and professional customer interactions.
Assistant Branch Manager
Central Carolina Bank (40 Hours Weekly)
1997.05 - 2001.03
- Responsible for managing daily operations of Central Carolina Bank In-Store Branch.
- Processed mortgage and business loans and made recommendations on the collateral needed to secure the requested loan.
- Assisted in ensuring that bank practices are adhered to concerning, granting or extending lines of credits, granting commercial, real estate and consumer loans
- Ensured compliance with company policies and procedures
- Lead audit and inspection projects, overseeing multiple individuals at the function and service unit level
- Conducted briefings related to audits and inspections to upper management.
Education
Bachelor of Arts Degree - Business Administration, Marketing
Winston Salem State University
Winston Salem, N.C.05.1996
Skills
- Client Relations
- Consumer Relations
- Microsoft Office
- Messaging Strategy
- Excellent Customer Service Skills
- Team Player
Timeline
Loan Specialist-Team Lead
Small Business Administration (40 Hours Weekly)
2023.01 - Current
Government Relations Senior Associate
Fannie Mae (40 Hours Weekly)
2010.04 - 2022.10
Customer Contact Specialist Level II
Fannie Mae (40 Hours Weekly)
2009.04 - 2010.04
Banking Center Manager
Industrial Bank (40 Hours Weekly)
2007.12 - 2009.04
Mortgage Consultant
Wachovia Bank (40 Hours Weekly)
2007.03 - 2007.09
Mortgage Loan Executive
SunTrust Bank (40 Hours Weekly)
2006.04 - 2007.03
Bank Account Executive
Bank Of America (40 Hours Weekly)
2003.02 - 2004.05
Banking Center Manager
Bank Of America (40 Hours Weekly)
2001.09 - 2003.02
Assistant Branch Manager
Central Carolina Bank (40 Hours Weekly)
1997.05 - 2001.03
Bachelor of Arts Degree - Business Administration, Marketing
Winston Salem State University
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