FREDERIC CARTER

**** **** ******* ***. – Lithonia, Georgia 30058 770-***-****)

Entrepreneurial Leadership – Business Development & Productivity – Start-Up Operations

Astute, results-oriented leader with proven success in managing multimillion-dollar operations across the country. Background includes achieving profitability within eight months of operation, six months ahead of plan, at MILA with leading technology and product offerings and innovative expense management. Critical thinker and adept negotiator who can apply extensive knowledge of industry and government regulations to rapid revenue & profit growth opportunities. Expertly direct resources, technology and expenses.

• Strategic Planning

• Sales & Marketing

• Product Development

• Marketing Analysis

• Process Improvement

• Account Management

• Due Diligence

• Large Volume Sales

• Employee Development

ACCOMPLISHMENTS

Increased annual loan volume from $32 million in 01/05 to $1.4 billion in 12/06 by taking over division, establishing new processes and building a correspondent network at MILA. Launched and grew production to $80 million monthly in under six months (5/06)by rapidly cultivating a national account executive group focused on multi-million dollar clients ( B of A, Vertice and Taylor Bean) at MILA and grow revenue to 40 million a month.

Achieved monthly sales of $57 million within 5 months of startup (12/07) at Assurity, LLC... Through my personal network of large volume producers like (Paramount, Carteret and NFM) and a new eastern unit.

Drafted by the Cincinnati Bengals in April of 1994 traded to the Atlanta Falcons in September of 1994

07/97-08/01 Promoted to Operations Assistant Vice President of East Coast Division for Associate Capital Corp.

PROFESSIONAL EXPERIENCE

Assurity, LLC. -Denver, Colorado 08/07- present

(39M net worth)

Regional Vice President East Coast Sales

• A nationwide corporation specializing in home loans

• RVP, East Coast Wholesale & Correspondent Lending Division

• Led entire division, including production, sales and marketing, P&L, personnel, pricing, underwriting, loan processing, due diligence, and loan purchasing and sales.

• Managed twenty-eight account executives, 6 underwriters, one funder /shipper, and three loan opener / account managers.

MILA- Seattle, Washington 4/06-7/07

(350M net worth)

Senior Vice President of Sales and Marketing

• Directed and monitored the lending operations for the entire bank to insure that the bank meets its established goals and objectives.

• Grew annual volume from $32 million in 2005 to $1.4 billion in 2007, while increasing number of active correspondents from 20 to over 370.

• Achieved 115% of volume production forecasted for 2007 in less than eighteen months. Established pricing for all flow loan products and portfolios purchased; developed and implemented strategy for signing new clients managing those relationships.

• Develops and implements lending program policies and strategies.

• Develop long and short-range revenue and profit objectives and plan consistent with corporate and corporate/regional guidelines.

HomeView Lending- Orange County, CA 1/03-4/06 (800M net worth)

Senior Vice President of Sales and Marketing

• Direct sales and marketing initiatives to support the development and expansion of Home View Lending business into a new market

• Responsible for P & L for the Country with help from senior management. Bring product expansion ideas and process improvement ideas to company from past experience.

• Support the development of the budget, planning, and other corporate financial requirements

Associate Capital Corp- (1.3B net worth) Atlanta, Georgia 1/95-11/02

AVP of Southeast Operations

Lead entire division, including production, sales and marketing, P&L, personnel, pricing, underwriting, loan processing, due diligence, and loan purchasing and sales.

• Managed forty-eight account executives, fourteen loan officers, twelve underwriters, three funders /shipper, five loan opener and six account managers.

• Ensure that staff are in compliance with all Associates policies and procedures

• Audit and monitor performance of local offices and staff

• Conduct outreach focused on low/moderate income communities, churches, developers, governmental agencies, and large employers;

EDUCATION

Austin Peay State University, Clarksville, Tennessee

Bachelor of Arts in Business Administration, 1994

Presently In Six Sigma Training- Aveta Business Solutions

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