Real Estate Project Manager

Ronnie Williams

Profile Summary:

Proven Senior Underwriter and Asset Manager with over 12 years of

experience in the mortgage and finance industry. Proficient loan review

both front end and closed mortgages along with quality control and risk

analysis. Extensive mortgage software knowledge and excellent written and

oral communication skills. Ability to review and critique the work papers

prepared by support staff to ensure accuracy and compliance. Proficient in

Microsoft Office Products (Outlook, Word, Excel and the like) and the

ability to quickly learn mortgage standardized software.

Career Experience:

3 - 2010 - Present TCBA - FDIC Contractor ID C10858

Asset Management Professional

Analyzed credit loan workout and repossession of collateral as it

relates to the asset types with FDIC. Preformed task law and various

types financial institutions, i.e., service and employment tasks,

securitization agreements, letters of credit, revolving lines of

credit, and unfunded commitments. Demonstrated experience in credit

analysis and workouts.

4 - 2009 - Present Cognops

Forensic Loan Review Underwriter

Performed post-close forensic analysis loans for Fannie Mae examine

files for completeness and accuracy, analyzing credit documents,

mortgage applications, credit history and income documents, title

documents, appraisals and all other applicable required documents.

Analyzed delinquent loans as well as loans with short escrow balances,

also prepared case recommendations for loan modifications,

settlements, compromises, releases of guarantors, and referrals for

legal action.

1- 2007 - 11/1/2009 First American Corporation

Westlake, TX

Project Compliance Manager/REO Specialist

Maintained a professional working relationship between First American

Field Services and the several major Banking institutions with an

emphasis on improving the relationship and maintain a positive

interaction with client and initiatives. Responsible for coordinating

real estate owned "REO" marketing, lease and contract negotiations,

sales, loan processes, and closing activities with Realtors,

Attorneys, and Mortgage Lenders. Responsible for routine maintenance

of assigned real estate owned. Ensured all assigned properties are

marketed continuously and aggressively. Implement solution that

improve our clients' performance and maximize their returns. Developed

and executed sound financial arrangements to foster our business

imperatives. Executed and negotiated latitude in order to align our

business imperatives with the customers' ability to partner with our

solutions.

3 - 2005 - 1 - 2007 Mortgage Data Management Corp.

Sussex, WI

Underwriter

Residential portfolio loan acquisitions underwriter; strong

understanding of residential real estate, residential real estate

loan, and related legal and third party documents (Notes

verifications, Mortgages, Appraisals review, title policies, payment

schedule review, mortgage modifications, etc.) Review existing real

estate loan portfolios to capture the date required determining the

salient characteristics of the loans including the collateral, related

lien priority, assessment of loan documents and collateral valuations.

2004 - 2005 Spectrum Source/FIX Funding Dallas, TX

REO Specialist/Asset Manager

Created solutions to return delinquent loans to performing status,

structure loan modifications with delinquent borrowers, force

collateral liquidation in cases where loan restructure is not feasible

or cannot be negotiated with delinquent borrower, manage

foreclosure/bankruptcy process through the effective supervision of

outside counsel, research and recommend pursuit of loan re-purchase

claims, Formulated appropriate credit and loan structures in line with

bank policies and guidelines through identification of the credit

needs of the borrower for booking of financially sound loans. Research

and recommend pursuit of guarantor carve-out claims, participate in

valuation and re-underwriting assignments, manage portfolio of loans

in special servicing.

2001 - 2005 Clayton Shelton, CT

Underwriter

Analyzed and assigned Real Estate accounts to initiate collections,

negotiation, or modifications due to hardships, short sales and deed

in lieu of foreclosure. Facilitate and expedite the loan closing,

performed servicing on loan pools to determine salability in secondary

market, preformed underwritten mortgage loans to assess the quality of

underwriting and adherence to company guidelines, approves or rejects

conforming loans as well as large dollar value or specialized loans.

Records loan rejections, specifying investor and institution

guidelines and basis for declining application, such as insufficient

cash reserves.

2000 - 2002 Hanover Capital Edison, New Jersey

Due Diligence Underwriter

Preformed and handling of bankruptcy notices and related

documentation, communicated with respective inter-department bank

management and legal counsel. Refer to appropriate counsel for

preparation and submission of reaffirmation agreement, proof of claim,

or objections to the court on behalf of the bank, document and track

status and disposition of case. Preformed and establish tracking of

foreclosure accounts; order undated title work, obtain current value,

arrange for periodic inspections; ascertain preservation requirements

and secure status.

1998 - 2000 Excel Communications Dallas, Texas

Network Engineer/Project Manager

Processed and reviewed bandwidth assignments and individual NE

configurations. Organization, Project Management, Meeting Deadlines

and Planning Schedule people or tasks; Determined if physical cross-

connects are needed and at which locations. Design the CLR (Circuit

Layout Report).

Education: MCC of Waco, Texas

Business Administration Major

Certifications: UTD of Dallas - Project Management Quality Assurance

Certification

Champion School of Real Estate - Mortgage

Underwriting/Real Estate Certification

TechSkills - Project Management Certification

NAMP - Advanced Mortgage

Underwriter and Forensic Loan Review Certification

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