Kimberly L. Williams

Phone 770-***-****

act04e@r.postjobfree.com

Summary of Qualifications

Dedicated professional with over 15years experience in the mortgage and finance industry. Motivated

self-starter with strengths in data analysis, problem solving, team building and excellent oral and written

communication skills. Proven track record in brining positive results in the financial industry to all

involved.

Professional Experience

Angel Oak Home Loans, LLC Atlanta, GA August 2015 December 2015 (Lack of Work)

Credit Risk Specialist II

Underwrite residential loans, analyzing all credit, income, assets and collateral.

Communicates with loan originator, processor and closing department

Responsible for insuring that all investor requirements and program guidelines are met

Underwrote Conventional and Portfolio Select product products

Analyzed appraisal to ensure value accuracy and verify property details.

Fannie Mae November 2012 March 2015

Convergenz, LLC - Fannie Mae Atlanta, GA February 2012 November 2012 (Lack of Work)

Mortgage Underwriter

Evaluation of newly originated residential home loans for compliance with current regulations.

Analyzing consumer credit and all income types/documentation for loan eligibility.

Calculating debt ratios and program restrictions to ensure compliance with lender, federal and

state regulations.

Assessing real estate appraisals for valuation.

Ensuring that loans meet lender/investor guidelines and regulations.

JPMorgan Chase Ft. Worth, TX September 2010 February 2012

Senior Underwriter

Maintain current knowledge of state and federal regulatory requirements in Government,

Agency and Jumbo levels of mortgage underwriting.

Responsible for underwriting 7 platforms including FNMA, FHA, FHLMC, USDA, VA, Bank

Owned & Private Investors

Underwrite complex files including multi-property portfolios for Real Estate Investors, high

balanced, & Mediation files

Analyze delinquency, perform escrow analysis and determines modification proposals.

Kelly Financial Resources - R.R. Donnelley Atlanta, GA August 2008 September 2010

Forensic Underwriter

Performed post-close forensic analysis of loan files for completeness and accuracy, conducted

reviews of collective documents including credit, income documentation, assets, & appraisals.

Audited files to identify fraud or pertinent red flags that could affect the performance of mortgage

bank securities.

Multi-tasked between Re-verification of employment, income, assets and compliance review.

Lehman Brothers - BNC Mortgage Alpharetta, GA February 2007 October 2007 (Closed)

Mortgage Underwriter

Reduced high risk loans through extensive research applications to verify property ownership and

any undisclosed properties that would increase credit risk.

Identified appraisal issues and flagged the automated system on properties that required further

investigation.

Underwrote files under BNC fraud detection guidelines and compliance requirements.

Reviewed all files for any misrepresentation to ensure due diligence.

Underwrote a minimum of 7 files per day with a sign off authority of $800K using guidelines

influenced by Fannie/Freddie.

Mortgage Lenders Network Alpharetta, GA January 1998 - January 2007 (Business Closed)

Assistant Operations Manager / Senior Underwriter/Loan Processor

Performed assessment of files underwritten by subordinates to eliminate any deceptive items

using MLN guidelines influenced by Fannie/Freddie.

Cross trained processors, underwriters and account managers in order to increase productivity.

Designed compliance tests to safeguard employees from violation of state and federal regulations.

Evaluated all loans ensuring overall loan documents were accurate, complete and in compliance.

Skills

Appraisal Analysis QAS2 Workflow

QAS Legacy Lexis Nexis

Analytical skills Encompass

Fraud Analysis Windows/MS Word

Education

Morris Brown College Atlanta, GA - 1994 Bachelor of Art in Business Administration.

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