Results-Driven Marketing & Financial Analyst Professional

DeAndre T. Carter

214-***-**** **************@*****.***

Results-driven Marketing and Financial Analyst with over eight years of experience bridging contract management, market analysis, and data-driven decision-making. Proven ability to interpret and execute complex financial and vendor contracts while aligning them with business and marketing objectives. Experienced in leveraging market research, property valuation data, and customer insights to influence strategic outcomes. Strong background collaborating with legal, operational, and cross-functional teams to ensure contract compliance and execution. Advanced proficiency in Excel, Power BI, and analytics tools to translate data into actionable business insights. Currently pursuing an MBA in Data Analytics to enhance data-driven financial reporting and automation capabilities. PROFESSIONAL EXPERIENCE

Payroll Specialist & General Accountant Jarvis Christian University – Texas, USA (Jan 2025 - Apr 2026)

• Reviewed vendor contracts line-by-line to verify payment terms, service deliverables, renewal dates, and compliance with institutional and federal funding requirements

• Executed contract payment schedules by aligning invoices, purchase orders, and expense reports to agreed vendor terms and deadlines

• Flagged discrepancies between contract terms and actual billing (pricing, quantities, service scope) and worked with vendors to resolve inconsistencies before payment release

• Maintained tracking of active vendor contractual agreements, ensuring deadlines, renewals, and obligations were met to avoid service disruption or compliance risk Estate Valuation Data Analyst Smith County Appraisal District (Contracted through Express Pros) - Texas, USA (Sept. 2024 - Jan.

2025)

• Conducted property valuation analysis using comparable sales, market data, and economic trends to determine accurate assessed values

• Reviewed lease agreements and property-related contracts to assess income potential and support valuation decisions during appraisal reviews

• Used contract terms (rent rates, lease duration, occupancy conditions) to challenge or defend property valuations in hearings

• Managed valuation of $6B in commercial and $2B in residential real estate portfolios, ensuring consistency and accuracy across large datasets DeAndre T. Carter

214-***-**** **************@*****.***

• Analyzed property data, valuation discrepancies, and market shifts, supporting fair and defensible appraisal outcomes

• Ensured compliance with state property tax regulations and appraisal standards throughout valuation processes

• Supported evidence-based valuation reviews and adjustments, strengthening reporting accuracy and audit readiness

Senior Client Services - CoreLogic LLC - Texas, USA (Oct. 2023 - Sept. 2025)

• Conducted property tax research and financial analysis to optimize tax outcomes across residential and commercial portfolios

• Analyzed loan, tax, and servicing data to identify discrepancies, ensuring accuracy in financial reporting and client deliverables

• Investigated and resolved data exceptions and reporting variances, improving data integrity and reducing client-level discrepancies

• Collaborated with cross-functional teams to support mortgage servicing operations and reporting accuracy

• Delivered analytical insights and reporting support to clients, enhancing decision-making and portfolio performance

Senior Mortgage Collateral Analyst (Temp) Bank of America (Contracted through ICONMA) - Texas, USA (Nov 2021 - Apr 2022)

• Audited mortgage collateral files for nine major servicers, ensuring completeness and compliance with federal and investor guidelines

• Identified and analyzed document discrepancies, missing collateral, and data inconsistencies, recommending corrective actions to mitigate financial and regulatory risk

• Audited mortgage collateral files to verify contract completeness, including promissory notes, title policies, and servicing agreements

• Confirmed that all contractual documents met enforceability standards required for investors and regulatory compliance

• Escalated missing or defective contract documentation and coordinated corrections to ensure loans remained legally valid and transferable

• Resolved audit exceptions and documentation deficiencies, improving collateral accuracy and overall service quality

• Maintained collateral integrity across multiple portfolios, reducing exposure to potential losses and compliance violations

DeAndre T. Carter

214-***-**** **************@*****.***

• Collaborated with internal teams and third-party servicers to validate documentation and ensure adherence to servicing standards Customer Service - Financial Analyst Loan Depot LLC - Texas, USA (Dec 2020 - Aug 2021)

• Performed escrow analysis, payment structuring, and account reconciliations across mortgage servicing portfolios

• Researched and resolved tax, insurance, and escrow discrepancies, ensuring compliance with servicing guidelines and accurate borrower account balances

• Utilized MSP system, SQL, and Power BI Desktop to analyze borrower data, identify inconsistencies, and support reporting accuracy, payment validation and amortization schedule disputes

• Interpreted mortgage contracts including Loan Estimates, Closing Disclosures, and escrow agreements to explain financial obligations and payment structures to borrowers while in compliance with FCRA, TILA and Dodd-Frank Act.

• Reviewed escrow account terms and executed adjustments based on property tax changes, insurance updates, and contractual requirements

• Identified inconsistencies between borrower expectations and contract terms, resolving disputes through detailed breakdowns of obligations and calculations

• Investigated and corrected account-level discrepancies and data exceptions, improving overall servicing data integrity

• Delivered clear financial breakdowns to borrowers, increasing transparency and reducing servicing-related disputes

Foreclosure Analyst Real Time Resolutions LLC - Texas, USA (Jul 2018 - Dec 2020)

• Reviewed mortgage contracts, investor guidelines, and servicing agreements to determine legally compliant foreclosure eligibility and execution timelines

• Negotiated repayment options, settlement terms, and foreclosure alternatives with homeowners within the boundaries of contractual and investor requirements

• Coordinated directly with legal counsel to initiate foreclosure actions, ensuring all contract conditions, notices, and timelines were executed correctly

• Validated Broker Price Opinions (BPOs) against internal valuations and contract thresholds to approve or escalate cases for legal action

• Analyze homeowner credit reports, provide an evidence packet that showcases estimated homeowner equity in debt to market valuation ratios, and regression models that’ll give an 80% chance of full recovery from foreclosure, communicate DeAndre T. Carter

214-***-**** **************@*****.***

with internal and external legal counsel to perform foreclosure processes according to local, state and federal laws per account, negotiate with homeowner to avoid foreclosure and draft Payment Arrangement contracts, Refinance Resolution Contracts, Short Sale Lien release Contracts and thoroughly explain for Director Approval.

Operations Supervisor Direct Solutions LLC - Texas, USA (Sept. 2014 - May 2018)

• Coordinated daily operations, personnel, and workflows across multiple departments, ensuring efficiency and service quality

• Identified and resolved operational inefficiencies and process breakdowns, improving overall workflow performance and customer satisfaction

• Promoted to Supervisor within 6 months based on performance, assuming leadership over 5 operational areas and 9 team members

• Monitored team performance, delegated tasks, and ensured process adherence and timely execution of operational objectives

EDUCATION

• Mirabeau B. Lamar High School – High School Diploma, Arlington, Texas, USA, 2013

• Sam Houston State University - Bachelor’s of Business Administration focused in Banking and Financial Institutions, Huntsville, Texas, USA, 2018

• University of Texas at Tyler - Master’s of Business Administration focused in Data Analytics, Tyler, Texas, USA, Dec.2026

• IBM: Introduction to Artificial Intelligence Certification Coursera, USA, 2026

• Foundations of Digital Marketing and E-Commerce Certification Coursera, USA, 2026

SKILLS & ADDITIONAL INFORMATION

• Advanced Microsoft Excel (Pivot Tables, VLOOKUP, Financial Analysis, Power Query)

• SQL (Data Extraction & Analysis)

• Power BI (Dashboarding & Reporting)

• Financial Reporting & Reconciliation

• Mortgage Servicing Systems (MSP)

• Escrow & Payment Analysis

• Data Validation & Exception Resolution

• Black Knight MSP

DeAndre T. Carter

214-***-**** **************@*****.***

• ERP Systems: Jenzabar

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