Patrick Potter
Florissant,MO
Summary
Detail-oriented professional with 10+ years of experience in Mortgage Default and Regulatory Compliance.
Knowledgeable with extensive experience in analyzing and processing mortgage default claims accurately and efficiently. Proven track record in resolving complex claims and ensuring compliance with industry standards. Demonstrated ability in utilizing analytical skills and attention to detail to support team goals and improve operational processes.
Overview
14
14
years of professional experience
Work History
Claims Analyst
Cenlar FSB
Tempe, AZ
11.2025 - Current
- Analyzed complex claims data to ensure accurate processing and compliance with regulatory standards.
- Collaborated with internal teams to resolve discrepancies and improve claims resolution efficiency.
- Developed and maintained detailed documentation for claims processes, enhancing knowledge sharing within the team.
- Reviewed and validated claim submissions, ensuring adherence to company policies and guidelines.
- Managed high-volume caseloads, prioritizing tasks to ensure timely completion of all claims.
- Managed foreclosure processes to ensure compliance with regulatory requirements and company policies.
- Analyzed foreclosure sale bids, judgments, reinstatements and payoffs.
- Reviewed appraisal reports for accuracy, maintaining compliance with industry standards.
Sr Loss Analysis QA
Carrington Mortgage
Remote
08.2024 - 11.2025
- Demonstrated respect, friendliness, and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Worked flexible hours across night, weekend, and holiday shifts.
- Used critical thinking to break down problems, evaluate solutions, and make decisions.
- Identified issues, analyzed information, and provided solutions to problems.
- Completed paperwork, recognizing discrepancies, and promptly addressing for resolution.
Senior Claims Specialist
Cenlar FSB
O'Fallon, Missouri
03.2023 - 08.2024
- Track, resolve, and ensure appropriate actions are taken to log findings in the appropriate system of record, notating a detailed explanation of the issue and resolution.
- Review of various current reports and assistance with identification of new reports, including ensuring department SLAs are met.
- Draft and complete responses to external or internal QC/Audit findings.
- Maintained up-to-date knowledge of industry regulations, legal developments, and emerging risks to ensure company readiness for any challenges that may arise.
- Provide training to new staff members, current staff members and assist in special projects as assigned.
- Analyze all past claims filed to determine possible recoverability, report on identifiable recoverable versus non-recoverable losses
- Led claims resolution initiatives, enhancing efficiency and accuracy in processing complex cases.
- Collaborated with cross-functional teams to address client issues, fostering positive relationships and resolutions.
USDA Claims Specialist II
Cenlar FSB
O'Fallon, Missouri
01.2022 - 03.2023
- Prepare and file all USDA and investor claims timely and accurately according to investor/insurer/CMS guidelines and requirements.
- Review, follow-up, and ensure the timely and accurate completion of all regular scheduled steps including outstanding/late steps in the foreclosure tracking templates pertaining to claims/post foreclosure sale.
- Ensure all claim documents are imaged timely.
- Verify all attorney fees/costs and foreclosure costs are within investor, VA, or USDA allowable fees schedules.
- Confirm taxes and insurance are maintained, as well as paid timely.
- Implemented process improvements that reduced claim processing times and enhanced efficiency.
REPO Account Processor 4
U.S Bank
Earth City, Missouri
08.2018 - 11.2021
- Responsible for post charge-off portfolio and actively work recoveries.
- Processed account transactions with accuracy and efficiency, ensuring compliance with banking regulations.
- Coordinated documentation and reporting for account management, streamlining communication across departments.
- Trained new staff on systems and procedures, fostering a culture of teamwork and operational excellence.
- Conducted audits of account records to identify discrepancies, contributing to improved accuracy in financial reporting.
- Examined documents for accuracy, legality and compliance with pertinent regulations.
SPOC Default Relationship Manager
U.S Bank
Earth City, Missouri
09.2016 - 08.2018
- Initiates outbound contact with borrowers to determine "reason for default", borrower intent, financial ability to repay debt, and to identify potential loss mitigation options/solutions.
- Performed loan level analysis, highly collaborative and capable of making independent decisions and proposals using information available.
- Analyzed credit documents, including, but not limited to, mortgage applications, credit history and income documents, appraisals and all applicable compliance documents.
- Developed customized financial solutions based on individual client needs and goals.
- Conducted regular portfolio reviews to assess performance and adjust strategies accordingly.
- Collaborated with internal teams to streamline processes for managing delinquent accounts.
- Led initiatives to enhance communication strategies between departments regarding default management protocols.
Quality Control Inspector
Proctor & Gamble
Saint Louis, Missouri
08.2015 - 09.2016
- Conducted thorough inspections of raw materials and finished products to ensure compliance with quality standards.
- Collaborated with production teams to streamline processes and reduce defects in manufacturing operations.
- Analyzed inspection data to identify trends, contributing to continuous improvement initiatives across production lines.
- Led root cause analysis discussions to resolve recurring quality issues, driving strategic improvements in production methods.
- Reported repeated issues to supervisors and other departments, collaborating to identify issue roots and rectify problems.
Centerfire Cap Operator/Centerfire Charger
Olin
East Alton, Illinois
02.2014 - 08.2015
- Operated production machinery, ensuring adherence to safety standards and operational protocols.
- Monitored process parameters to maintain product quality and consistency.
- Conducted routine maintenance on equipment to minimize downtime and ensure optimal performance.
- Collaborated with team members to streamline workflows and enhance productivity.
- Trained new operators on equipment handling and safety procedures, fostering a culture of compliance.
- Maintained knowledge of industry policies and procedures to set up and operate equipment safely.
- Operated and monitored chemical processing equipment to ensure efficient production flow.
- Adhered to safety protocols and regulations, promoting a safe working environment for all staff.
SPOC Mortgage Assistance Point
U.S Bank
Earth City, Missouri
02.2013 - 02.2014
- Communicated directly with the borrower to explain loss mitigation options, how to apply for assistance, and provided status updates during the review period.
- Maintained knowledge of regulatory and investor/insurer requirements and timeframes that may impact default servicing operations.
- Understood key performance and risk indicators in the Loss Mitigation Process, and how individual role contributes to meeting or exceeding these goals.
- Resolved problems, improved operations, and provided exceptional service.
- Completed paperwork, recognizing discrepancies, and promptly addressing for resolution.
Mortgage Customer Service Rep
U.S Bank
Earth City, Missouri
01.2012 - 02.2013
- Handled inbound and outbound calls from customers in a fast-paced environment, while maintaining established performance metrics expectations and delivering quality service to our customers.
- Managed customer inquiries regarding mortgage products and services with a focus on resolution efficiency.
- Reduced customer complaints by providing clear explanations of complex mortgage concepts and terminology.
- Contributed to the development of departmental goals, objectives, and systems by providing valuable feedback from customer interactions.
Education
Assoc. - Information Assurance and Cybersecurity
University of Phoenix
Online01-2017
Skills
- Claims
- Claims analysis
- Policy interpretation
- Interpersonal and written communication
- MS office
- Risk management
- Quality assurance
- Analytical thinking
- Problem-solving skills
- Customer service
- Documentation and reporting
Timeline
Claims Analyst
Cenlar FSB
11.2025 - Current
Sr Loss Analysis QA
Carrington Mortgage
08.2024 - 11.2025
Senior Claims Specialist
Cenlar FSB
03.2023 - 08.2024
USDA Claims Specialist II
Cenlar FSB
01.2022 - 03.2023
REPO Account Processor 4
U.S Bank
08.2018 - 11.2021
SPOC Default Relationship Manager
U.S Bank
09.2016 - 08.2018
Quality Control Inspector
Proctor & Gamble
08.2015 - 09.2016
Centerfire Cap Operator/Centerfire Charger
Olin
02.2014 - 08.2015
SPOC Mortgage Assistance Point
U.S Bank
02.2013 - 02.2014
Mortgage Customer Service Rep
U.S Bank
01.2012 - 02.2013
Assoc. - Information Assurance and Cybersecurity
University of Phoenix