Coley L. Williams

ad1akk@r.postjobfree.com

904-***-****

Summary of qualifications

● 24 years banking experience including 5 in Leadership, 5 in Compliance, 3 as Loan officer

● Excellent in Fraud and KYC profiling. Proficient in Lexus Nexus, Compliance Ease

● Experience in handling 20 million plus portfolios

● Superior communication and negotiation skills

● Proactive and hands on with employees. Seasoned in Home Preservation Forums and Community Development.

● Diverse knowledge of state and federal regulations governing workplace safety.

● Good knowledge of Mortgage and Loans regulations, policy and procedures.

● Proficient in TIL, Note, Hud, GFE,1003 and 1008

● Great knowledge of Loss Mitigation, Short Sale and Foreclosure Processes

Work experience

Ameris bank – Loan officer 2023

NMLS#2482700

I help applicants apply for loans. I ensure their eligibility to proceed with loans and evaluate how creditworthy or not a person might be based on their history and current finances before recommending them for approval.

Canopy- Analyst in Compliance 2022

Did forensic review of old loans and compliance of those files before there were packaged and graded and sent off to stock market.

Mphasis- Closing analyst October 2019-2021

Making sure title commitments are updated, checking appraisals Ensure that CS’s are sent out in a timely fashion. Manages active loan closing and funding pipeline within set benchmark timeframes. Reviews title commitment and/or title search reports, homeowner insurance and closing conditions to ensure compliance with underwriting requirements. Delivers final closing disclosure and closing package timely to ensure compliance with CFPB, RESPA and Regulation Z requirements. Completes funding summary and distribute funds timely via wire transfer or transfer via internal software system.

Digital Risk January 2018 – Compliance Analyst

Review pre and post Respa loans for accuracy. Carefully run files on Compliance Ease to ensure files are in line with state laws and regulations. Review loans and insure that Note, Hud and Truth in lending are dated stamped and filed properly.

Citi Default Analyst October 2017 – December 2017

Prevention of customer’s delinquencies reporting to credit bureau by finding resolutions to resolve financial problems and pay bills on time.

Bank of America June 2010-Septemeber 2017 Home Loans Team Manager (December 2016 – September 2017) Manage and assist inbound team of 24 agents that service Home equity line of credit call. Reviewed all applications to ensure agent stayed within compliance of state and federal guidelines on 1st and LOC loans. Train associates on how to review loans properly and accurately from beginning to end. Train associates on taking initial application 1003 for prospective clients. Take all supervisor calls, handle time keeping and calibrations. Assist in new hire training and hiring.

GWIM Ops Team Lead Merrill Lynch Division (June 1, 2015 – Dec 2016_

Individual contributor that provides day to day supervision for a small unit or work team in GWIM operations function in a specific product area. Funds transfer, collateral mgt/margins, corporate actions, clearance/settlement, documentation/confirmations, and customer service.

Sr Fraud Analyst II (October 2013 – June 2015)

Handle Supervisor phone calls & correspondence regarding potential fraudulent accounts. Assisted in Anti Money Laundering processes. Handled KYC high risk accounts where I identified fraud and took preventive steps to ensure the safety of the client. Responsible for coaching and assisting junior associates with moderately complex research & analysis of account activity to access levels of risk and fraud type. Teach others how to take appropriate corrective action through customer contact to verify legitimate usage. Act as supervisor on interim basis as needed.

Foreclosure Specialist (June 2010 – September 2013)

Run compliance reports and chronology reports to determine strength of loan and evaluate the likely hood that loan would go into foreclosure. Adding Milestone Templates for foreclose.

Handling correspondence with attorneys while reviewing the loan to ensure all steps were accurately taken doing the closing process.

Washington Mutual April 2009 – June 2010 Loss Mitigations.

Wachovia Bank Collections Manager (May 2008 – April 2009)

Collections 1 Specialist (October 2007 – April 2008)

Financial Representative Fidelity Investments June 2007 – October 2007

Sales Representative Clear Channel May 2006 – June 2007

Wachovia Bank May 1999-May 2006 Loan Officer August 2004 – May 2006 Collections 1 Specialist February 2003 – July 2004 Fund Retail-Level 1 October 2001 – February 2003 Teller 1 May 1999 –

Education Edward Waters College, Organizational Management 2025

Volunteer experience Member of Wachovia Listens Focus Team.

Reading is Fundamental Dale Carnegie- How to sell like a Pro

Wachovia Diversity Team Member

Board Chair-Wealth Watchers Inc.

Champion Lodge #2, Callahan Fl

Contact this candidate