Carrie Flores
Tampa,FL
Summary
Dynamic leader with a proven track record at Rate, adept in operations management and internal communications. Spearheaded policy reforms and risk mitigation, enhancing operational efficiency and client relations. Mentored team of 8-12 analysts for performance excellence, demonstrating strategic planning and partnership development. Achieved significant improvements in customer satisfaction and operational processes.
Overview
21
21
years of professional experience
1
1
Certification
Work History
AVP, Credit Concierge Manager
Rate
06.2018 - Current
- Managed a team of Senior Underwriters to properly and effectively coach the Sales/Operations partners on loan structuring, loan programs, agency and investor policy and requirements. Maintained an industry low error rating of
- Developed department, including hiring of talent and implementing effective structure of production flow.
- Established policies and procedures that improved operational efficiency within organization.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Improved customer satisfaction by streamlining processes and implementing new strategies.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
- Enhanced team productivity by providing training and mentorship to junior staff members.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
- Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Developed and maintained courteous and effective working relationships.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
Underwriter IV
Homebridge Financial
05.2010 - 06.2018
- Highest producing Underwriter for 3 years consecutively while maintaining excellent quality.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Made approval and denial recommendations by determining accurate risk levels.
- Mentored junior underwriters, providing guidance on best practices and improving overall team performance.
Mortgage Loan Specialist
Wells Fargo
06.2003 - 05.2010
- Managed a pipeline of mortgage applications, prioritizing tasks based on urgency and importance.
- Resolved complex loan issues by conducting thorough research and collaborating with internal teams.
- Continuously updated knowledge of regulatory guidelines to ensure company-wide adherence to industry standards.
- Coordinated seamlessly with real estate agents, attorneys, title companies, and other stakeholders for smooth transactions.
- Increased loan approval rates by carefully evaluating applicant creditworthiness and financial stability.
- Provided exceptional customer service throughout the entire loan process, addressing inquiries promptly and professionally.
Skills
- Operations Management
- Internal Communications
- Corporate Communications
- Partnership Development
- Strategic Planning
- Customer Relations
- Management Team Building
Certification
DE (FHA)
SAR (VA)
Timeline
AVP, Credit Concierge Manager
Rate
06.2018 - Current
Underwriter IV
Homebridge Financial
05.2010 - 06.2018
Mortgage Loan Specialist
Wells Fargo
06.2003 - 05.2010
DE (FHA)
SAR (VA)
Similar Profiles
Mark RankinMark Rankin
VP of Mortgage Lending at RateVP of Mortgage Lending at Rate
Patricia ConnellPatricia Connell
Divisional Operations Manager at RateDivisional Operations Manager at Rate
RACHEL KORIL-MUNDYRACHEL KORIL-MUNDY
LICENSED SALES ASSISTANT at Rate (Formerly Guaranteed Rate)LICENSED SALES ASSISTANT at Rate (Formerly Guaranteed Rate)