Resume of Catherine Smith-Carter

732-***-**** (Cell)

ad1ohy@r.postjobfree.com

Professional Summary:

Over 10+ yrs. experience in “Customer Service”,” Client Product Specialist”, “Credit Analysis”, “Quality Control”, “Compliance,” Due Diligence” & “Internal Audit” positions. Managerial Experience with Strong Analytical, Written and Oral Communications.

Education:

Rutgers’ University, New Brunswick, NJ

Bachelor of Science

Political Science/Journalism

Jones’ International University, Colorado Springs, CO Master of Science

Certifications:

Six Sigma (Green Belt) GE Capital, Dunn & Bradstreet Certification, SBA NAGL Certification Computer skills:

Excel, Word, Outlook, Power point, Access, Visio, MS Project, Lenstar, LTS, MSP, Citrix, Mortgage Serv, Fiserv, Business Objects, Passport, RESNET, Oracle, SAP, JD Edwards, LSAMS, RADAR, Pacer, People Soft, Crystal Reporting, Case tracker, AS 400, LPS, LMA, Siebel, Urban Settlement, LAMP, Equator, STARS, LOANSPAN, idesk, BITB

Work Accomplishments:

• “Award of Excellence” Customer/ Vendor Relations – Bank of America

• “Most Outstanding Manager” – Assurant Group

• “Vendor Excellence Award” – CIT Group

Work Experience:

Independent Consultant (Stern & Eisenberg, Veritext, PNC, Coface N.A, Cenlar, Siemens) Job Title: Compliance/ Risk Analysis January 2017 to Present Responsible for life collections cycle for clients. Liaison between client’s customer pool, middle management and finance/treasury. Prepare monthly analysis of operational expenses against prior year and budget, providing explanations and business solutions to help mitigate risks. Provide reporting & business planning support for key business cycles (month-end, forecast, long range plan, budget, Headcount, etc.). Consolidate and analyze detailed data and deliver clear & concise communication of key business drivers. Accrual management support and reporting – PO requisition creation, web cycle invoice management/approval, month end accrual manager, accrual manager reporting. New Jersey School’s Development Authority, Trenton, NJ May 2014 – July 2016 Compliance Internal Audit/Program Administrator

• Responsibilities include conducting assigned audits of internal& external partnership’s working on NJSDA school construction, design, and emergent repair projects.

• Manage compliance activities of stakeholders within the NJSDA as well as external entities including architectural and construction management contact, contractors, school district personnel & all appropriately reporting NJ state entities.

• U.S. Department of Labor, Wage and Hour Division administers various federal labor laws including the Fair Labor Standards Act (FLSA), Child Labor Laws, Family and Medical Leave Act (FMLA), Davis-Bacon

(DBA) and some 70 related acts (DBRA),) and portions of the Consumer Credit Protection Act (CCPA),

• Researched, coordinated and conducted multiple outreach events to educated workers, business owners, and union official about DBRA and FLSA compliance

• Analyze, determine and verify compliance standards of federal labor laws, guidelines and regulations. Interact with employers and workers in the public and private sectors and community stakeholders to educate on labor law protections and enforcement guidelines on the nation's most comprehensive labor laws, particularly minimum wage, overtime pay, record keeping and child labor standards in the workplace.

• Provide summary reports of all assigned NJSDA projects to both CFO, Advisory Committee, New Jersey Governor’s Office and Federal Regulatory agencies

Gerson Lehrman Group, Inc Feb 2013 - April 2014

Compliance/Credit Analyst Consultant (Solvay, PHH Mortgage, FISERV)

• Analyst assigned to implement Compliance/Collections and Loan Servicing processes implement by CFPB collection laws.

• Project Manager assigned to assist reviewing current operational procedure and assist in implementing new Collections& Loan Servicing procedures.

• Liaison to IT staff and operational units

• Assist in the budget development process and perform budget analysis

• Preparation and timely submission of reports, application amendments, and budget transfers

• Develops and implements Fiscal and Grant Management compliance measures

• Project Manager assigned to review and development of all business operation processes to ensure proper delivery of periodic statements, disclosures, loss mitigation practices as they relate to Fair Credit Reporting Act (FCRA) laws and practices.

• Edit all consumers’ documents to ensure federal, state, and regulatory compliance.

• Manage Vendor Relations and Contract review with Chief Counsel Bank of America Newark, NJ Apr 2011 - Jan 2013

Compliance/ Quality Control Manager

• Managed customer service support team in research escalated issues pertaining to functional specifications for quality assurance team and foreclosure review process which provided audits of RESPA documentation to include all disclosure documents, (i.e., Security Instrument, Good Faith Estimate (GFE) and Truth in Lending (TILA)

• Liaison per team audit findings to develop operational requirements regulatory and internal mortgage loan performance audits to ensure Community Investment Act (CRA) compliance

• Liaison to stakeholders to in VPs of BOA, OCC and Promontory

• Manager responsible for call- center operation team of 25 employees. Monitor and manage the creation and launching of CFPB (banking regulatory rules) internal matrix for loan compliance, loan modification procedures for HAMP, HAFA, FHA, VA, Non-GSE banking products to better serve Bank of America mortgage customers.

• Responsible for monitoring team to ensure policy and procedures are compliant.

• Accomplished quality assurance audits graded at 99.5% performance levels and lead team awarded

“most achieved in production”

Apothaker & Associates, LLC, Mt. Laurel, NJ Dec 2010 – Mar 2011 Litigation Analyst/ Loss Mitigation

• Sr. Credit/Collection Analyst assigned to conduct pre-and post-default consumer and residential loans. Work directly with clients in resolving delinquent accounts through settlement, payment plans and mediator at court proceedings.

• Monitor due diligence with court processing and credit reporting.

• Prepare quality control reports to ensure agency guidelines, vendor relationship management, state & federal reporting guidelines

Mc Calla Raymer, LLC, Atlanta, GA Oct 2008 - Nov 2010 Portfolio Analyst:

• Analyst in charge of mortgage loan servicing& loss mitigation operations.

• Liaison to external customers & internal mortgage servicing department & external vendors.

• Key player in aligning team to development audit loan compliance issues; (monitor loan frameworks during loss mitigation process to include loan workout, modifications, trustee audits, foreclosure sales, short sales, internal and private investor remedies.

• Liaison to stakeholders to include internal /external attorneys and bankruptcy court litigation departments in order to maintain regulatory requirements.

• Work directly with customers regarding loan workouts, escalated issues & reconciliation. Assurant Group, Atlanta, GA Jul 2005 - Oct 2008

Unit Manager of Research & Reporting Compliance Unit

• Call - Center Manager assigned to monitor inbound & outbound insurance regulatory requirements FEMA Flood/Wind reporting team.

• Liaison to reporting team and external clients for customers of (Citigroup, Chase, Greenpoint)

• Accomplished 99.45% and above QA scores for call center team for over 16 consecutive months

• Received “Most Outstanding: manager for “employee retention” and “process improvement” CIT Group, Livingston, NJ Aug 2002 - May 2005

Sr. Credit Analyst

• Analyst responsible for maintaining internal & external risk assessment and due diligence of SBA government guaranteed small business loans.

• Responsible for assisting in the development of QA controls directed by operations and implemented by IT department

• Managed reporting to ensure collateral assets assigned to loans were in internal, state and regulatory compliance

• Liaison to third party vendors; responsible for coordinating all oral and written communications

• Delivery summary report of all assigned project to stakeholders Compaq Corporation, Murray Hill, NJ Sep 2000 - Aug 2002 Sr. Credit /Collateral Analyst of Treasury

• Analyst assigned to manage all aspects of customer’s collateral assets

• Responsible for customers & vendor contract development Superior Bank Servicing, Montvale, NJ Nov 1992 to Sep. 2000 Customer Service Manager (01/95 to 09/2000)

• Responsible for managing and assisting staff of 4 employees to conduct research, analysis, and due diligence of accounts pre-& post on-boarding.

• Responsible for developing ‘Policies and Procedures” per Banking Standards and OCC Compliance

• Responsible for SAR reports to be reviewed by upper management (Operations & Regulatory Officer’s)

Collections Manager (11/92 to 01/95)

• Started as collector of sup-prime mortgage servicing unit; promoted to collection manager after 8 months

• Responsible for staff of 15 collectors

• Set-up dialer campaigns

• Negotiate settlements, modifications and customer disputes.

• Responsible for daily DSO reports and distribution of portfolio’s assignments

• Work with “General Counsel”, “Inspectors”, and assignment of accounts to 3rd party agencies and attorneys

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