This section is used to post resumes of MBAC members in good standing.  For information on posting a resume, please contact Robin Weyrens.


Sandra T. Phillips

405 N. Weston Street

Fountain Inn, SC 29644




Seasoned, hands on, self-motivated leader trained in business, technology and project management processes but with skills to develop and apply “out of the box” solutions to support rapidly changing environments.  Strong business acumen and excellent customer service skills.  Poise and skill to work effectively within all levels of an organization.  Track record of delivering quality solutions on time and within budget.  “Go To” person for rapid, positive solutions.  Demonstrated ability to create an environment of motivation, consensus and success.  Ethically responsible, innovative, high energy manager.  Ability to analyze business requirements, identify deficiencies and formulate recommendations for improvement.


Park Sterling Bank, Greenville, SC

Senior Vice President/Mortgage Operations Manager, June 2016 to Present

• Overall responsibility for LOS systems, Underwriting, Processing, Closing/Funding, Secondary Marketing, Investor

   Accounting, Post Closing, Shipping, Construction Draw Administration, Construction Conversions, Sales Management

• Develop and retain a highly talented operations team, leading through strategic direction and vision

• Responsible for taking business strategy and converting it into executable plans while managing risk

• Collaborate and maintain effective business partnership with key sales partners to drive profitable revenue growth

• Facilitate the review and implementation of new workflow processes and procedures to gain optimum efficiency

• Manage employees in multiple remote locations (NC, SC, VA, GA)

United Community Mortgage Services, Greenville, SC

Director of Mortgage Operations, June 2014 to May 2016

• Responsible for LOS systems, Underwriting, Processing and Closing functions

• Liaison between bank Compliance department and Internal Audit department

• Develop and retain a highly talented operations team, leading through strategic direction and vision

• Collaborated with key sales partners to drive profitable revenue growth

•  Managed employees in multiple remote locations (NC, SC, TN, GA)

Bank of America, Charlotte, NC

Fulfillment Leader II, January 2013 to May 2014

Senior leader within the Area Ops Center of 75 employees prior to moving to the National Ops Center

• Developed and retained a highly talented operations team of Openers, Processors, Underwriters and Closers

• Maximized staff productivity by executing daily/weekly/monthly goal oriented work standards meetings

• Work collaboratively and maintain effective partnerships with sales

• Convert business strategy into executable goals while managing risk


Senior Loan Review Manager, March 2011 to December 2012

• Managed Reps and Warrants loan review group to ensure the successful resolution of repurchase claims by FNMA

• Leadership of 50 employees analyzing repurchase requests for all possible refutations of claims by utilizing

   forensic document research, vendors to obtain documentation and re-underwriting of loan files

• Managed multiple sites in remote locations (TN, FL, PA, NC, CA)


Wholesale Fulfillment Operations Manager, April 2010 to February 2011

• Developed and retained a highly talented staff of underwriters, processors, closers

• Convert business strategy into executable plans

• Develop and maintain excellent working relationships with Brokers and Business Development Officers

• Achieve operational goals, reporting and forecasting for areas managed

IndyMac Bank, Columbia, SC

Floating Operations Manager, July 2007 to September 2008

• Selected by Executive Management to provide on-site, key leadership to support regional centers  to improve efficiencies, productivity and quality

• Work with Regional Site Managers to implement key initiatives, resolve operational issues

• Serve as operations SME

• Provided leadership in the launch of a Retail Lending Help Desk

• Provided loan approval review for $1,000,000 second signature Underwriting authority


Non-Prime Fulfillment Manager, September 2004 to July 2007

• Performed as manager of non-prime lending, managing underwriters, processors and closers

• Develop and retain a highly talented operations team

• Work collaboratively with key sales partners to drive profitable revenue growth

• Created new process to have denied prime loans underwritten to non-prime standards to improve the center   

   approval rate.  This process was adopted by all 17 regional centers.

Washington Mutual Savings Bank, Columbia, SC

Senior Team Manager, August 2003 to September 2004

First Citizens Bank, Columbia, SC

Secondary Marketing Manager/Capital Markets,  April 2002 to July 2003

Fleet Mortgage Group, Columbia, SC

Inventory Control Manager/Capital Markets,  November 1998 to March 2002

First National Bank of Florida

Mortgage Department Manager, April 1996 October 1998

ITT Federal Bank, San Diego, CA

Asset Sales Manager/Capital Markets, February 1993 to February 1996

Union Bank, Los Angeles, CA

Secondary Marketing Manager,  November 1987 to February 1992

First American Mortgage Corp, Greensboro, NC

Secondary Marketing Manager, August 1984 – November 1987

Lockheed Mortgage Corp, Los Angeles, CA

Account Executive, November 1983 – August 1984

Volunteer Work

2017 – 2018 Legislative Committee, Mortgage Bankers of the Carolinas

2018 Board Member, Mortgage Bankers of the Carolina

Volunteer, Discovery Place Museum

Volunteer, United Way

Volunteer, Habitat for Humanity

Vice President, Girl Scouts of Greater Columbia

Teacher, Junior Achievement

President, Collier County, FL Loan Consortium

Vice President, Bonita Springs Housing Development Corp.