Christi Williams

Email: abpmzp@r.postjobfree.com

Address:

City: Panama City Beach

State: FL

Zip: 32408

Country: USA

Phone: 423-***-****

Skill Level: Any

Salary Range:

Primary Skills/Experience:

Motivated mortgage banker with over 23 years in the industry. Detail oriented, high-performing, analytical and committed to obtaining the best result for the client. Recently relocated to FL.

Educational Background:

High School Dipolma from Stevensville High School, Stevensville MT 1/2001 to 5/1986 (Graduated)

Job History / Details:

Career Focus

Motivated mortgage banker with over 23 years in the industry. Detail oriented, high-performing, analytical and committed to obtaining the best result for the client. Recently relocated to FL.

Summary of Skills

Microsoft Word

Microsoft Excel

Microsoft Powerpoint

Microsoft Outlook

Mortgage Loan Processing Software

Automated Underwriting Software

Computer Proficient

Professional Experience

April 2012 to September 2012

TriSummit Bank Bristol, TN/VA

Consumer Relationship Manager

Assisted bank customers with their daily banking needs.

Opened new accounts; checking, savings, Certificates of Deposit, business checking accounts.

Cross trained on platform duties as well as teller line responsibilities.

Assisted on the Teller line.

Trained on Jack Henry Bank Processing Software.

Assisted bank Manager and City President with mortgage loan packages, scheduled meetings and lunch and learn training sessions.

September 2011 to April 2012

Citibank Gray, TN

Customer Service Agent

Answer inbound customer service calls for Private Label Oil accounts.

Assisting card members with all credit needs in relation to their Citi/Private Label Oil credit cards.

April 2010 to July 2011

Care2.com Redwood City, CA

Advertising Sales Executive

Reaching out and cultivating relationships with new prospective clients regarding online advertising

Scheduled and facilitated phone meetings with current and prospective clients

Build proposals and emailed finished product to prospective clients

Deployed banners ads through our ad server Zedo

Prepared ad delivery reports for clients

April 2008 to April 2010

Home Town Mortgage Kingsport, TN

Senior Loan Processor/Loan Officer

Loan processor from April to June 2008, then transitioned to loan officer.

Licensed in VA and TN, currently expired

Scheduled and facilitated sales presentations to real estate companies to generate new client leads

Met with new borrowers, took loan applications and followed loan through till closing.

Maintained thorough knowledge of FHA and VA as well as Federal Regulations.

January 2003 to June 2006

United Pacific Mortgage Woodland Hills, CA

Senior Loan Processor

Processed conventional A-D paper loans, from time of application through to funding through our in-house investors as well as packaged loans for funding through broker sources

Extensive use and knowledge of automated underwriting systems such as FNMA's DU, FHLMC's LP, and Countrywide's CLOUT

Pre-underwrite and package loans for the best possible outcome to benefit our borrowers and to minimize conditional loan approvals.

Risk assessment including review of financial history and credit worthiness as well as extensive knowledge of tax return interpretation and calculation.

Hired staff and instituted processing systems for new branches.

October 2001 to November 2002

United Capital Funding/Mainstreet Mortgage Thousand Oaks, CA

Manager

Managed staff of 12, including processors and assistants.

Responsible for instituting systems to insure increased productivity and system effectiveness.

Helped to increase monthly company volume from 85 units per month to 220 units per month for a total of 58 million in fundings.

Handled pipeline of 120 loans in a broker environment with a monthly funding count of approximately 35 - 40 loans.

Utilized DO, LP, and CWBC for automated underwriting and approval.

October 2000 to June 2001

United Pacific Mortgage Tarzana, CA

Senior Loan Processor

Processed FHA government loans with some conventional A-D paper loans.

Pre-underwrite and package for submission to in-house underwriter for funding on our own warehouse line.

Utilize FHLMC's Loan Prospector for automated approvals.

February 2000 to June 2000

Mainstreet Mortgage Group Westlake Village, CA

Senior Loan Processor/Trainer

Short Term Assignment.

Trained Loan Officers and Jr. Loan Processor to qualify potential borrowers, trained them to read rate sheet pricing, as well as procedures and guidelines.

Processed loans from origination to closing.

October 1998 to October 1999

Troxler & Associates Simi Valley, CA

Senior Loan Processor

Processed all loans from in-house submissions for funding on our warehouse line as well as submission to our broker sources.

A-D paper Conventional loans as well as FHA/VA government loans.

Utilized underwriting skills such as analyzing credit history and financial history to determine risk for possible approval or denial of credit by investor.

Competent at reading and analyzing tax returns, as well as thorough knowledge of FNMA/FHLMC guidelines.

March 1998 to October 1998

WMC Mortgage Canoga Park, CA

Underwriter/Dept.Supervisor

Responsibilities included risk assessment, review and analyze credit history and complete financial history to determine borrowers credit worthiness to arrive at a decision for approval or decline.

Utilized underwriting skills for final approval after loan docs were returned.

Underwriting retail 125 percentage LTV 2nd Trust Deed to various investor guidelines for eventual bulk sale.

Training and second signing on all new underwriters for the 125 division.

Making sure that all loans funded will meet investor guidelines.

July 1997 to March 1998

Title West Mortgage Woodland Hills, CA

Underwriter

Responsible for underwriting wholesale 125 percentage CLTV Second Trust Deed loans to investor guidelines, making the decision for approval or decline, calling out of approvals/declines to brokers, signing off of prior to document conditions, and final stipulations for funding.

Underwriting analysis consisted of reviewing income documentation and calculating debt to income ratios, reviewing credit history, collateral review, as well as many other aspects of a loan.

January 1994 to July 1997

Regency Mortgage Network, Inc Thousand Oaks, CA

Senior Loan Processor/Office Manager

Managed the office and handled a pipeline of 60 loans ranging from "A" paper conventional loans through D paper and hard money.

Packaged, underwrote, drew docs and funded all loans either as a correspondent or on a broker basis.

Emphasis on "A" paper.

Office administration and supervision of office staff.

August 1992 to August 1994

Quality Home Loans Thousand Oaks, CA.

Senior Loan Proc/Processing Supervisor

Responsibilities included overseeing processing department, processing "A" paper loans, and pre-underwriting, Lock-ins, and document orders.

Thorough knowledge of FNMA/FHLMC guidelines.

Handled a pipeline of 60 loans, followed through from loan application to funding.

Education

Stevensville High School Stevensville, MT

High school diploma

Activities

Board Member - Junior League of Kingsport

Red Cross School Health Clinic Volunteer

Member Holston PTO

Cub Scouts Webelos Den Leader

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