TRACEY A. WILLIAMS

Hempstead, NY **** 516-***-**** ad2msv@r.postjobfree.com

Mortgage Loan Processor

Highly experienced and detail-oriented Mortgage Loan Processor with over 20 years of experience as an underwriter, loan specialist, loan processor, manager, and mortgage processor with a proven track record of efficiently managing and processing mortgage applications from initiation to closing. Offers expertise in FNMA/FHLMC, FHA, VA, and USDA loan processes and is responsible for achieving a remarkable 98% accuracy rate in application processing, minimizing errors, and ensuring a seamless experience for clients. Adept at ensuring compliance with industry regulations and delivering meticulous attention to detail in mortgage application processing. Proven ability to navigate complex loan scenarios and collaborate effectively with diverse stakeholders to facilitate successful closings. Proactive professional committed to guiding teams through regulatory changes by staying abreast of industry updates with strong communication and leadership skills with a track record of successfully leading cross-functional teams and achieving organizational goals.

Area of Expertise

Mortgage Underwriting Loan Processing Team Leadership Financial Analysis Organization Communication Risk Assessment Income Verification Regulatory Compliance Customer Service Oscar Eclipse Encompass Blend Complex Problem Solving Flexibility Cross-functional Collaboration Excellent Communication Skills

Professional History

Cliffco Mortgage Uniondale NY Apr. 2023 – Aug. 2023

Sr. Mortgage Processor

●Coordinated with stakeholders, ensuring timely processing and closing of loans by effectively conveying complex information.

●Reduced processing time by implementing automation for verifying borrower information, financial documents, and property details

Selected Career Benchmark

●Managed and processed mortgage applications with 98% accuracy utilizing advanced loan management software for efficient tracking and minimizing errors in the application process.

●Leveraged interpersonal skills to foster communication among borrowers, underwriters, and loan officers, building positive relationships.

●Guided the team through regulatory changes without disruptions staying updated through training programs, adapting procedures to industry changes, and ensuring regulatory compliance.

Citizens Bank Melville, NY Jun. 2013 – Feb. 2023

Lead Mortgage Processor

●Spearheaded a high-performing mortgage processing team, achieving seamless workflow and impeccable regulatory compliance, resulting in zero penalties throughout my leadership.

●Implemented cutting-edge software solutions to streamline the mortgage processing pipeline, significantly reducing processing time and contributing to a notable decrease in turnaround time.

Selected Career Benchmark

●Orchestrated the training and development of a proficient mortgage processing team, equipping them with up-to-date knowledge of regulations and processing software, ultimately elevating team efficiency and expertise.

●Exhibited strong problem-solving prowess by collaborating with underwriters, loan officers, and stakeholders, resolving intricate issues promptly and expediting the loan approval process effectively.

●Established robust communication channels with internal departments, ensuring transparent and timely communication throughout the loan processing period, leading to a remarkable reduction in application errors and rejections.

JPMorgan Chase Garden City, NY Feb. 2008 – Jun. 2013

Sr. Mortgage Processor

●Conducted thorough credit analysis for newly originated residential loans, meticulously evaluating applicant profiles, property types, and financial risk factors.

●Reviewed loan application packages for completeness and accuracy, ensuring seamless processing of financial documentation which resulted in a reduction in processing time.

●Validated supporting income, assets, and liability documentation, bolstering the foundation for automated underwriting decisions thereby improving the overall team efficiency.

Selected Career Benchmark

●Structured transactions that reduced error rates through keen attention to risk mitigation, addressing loan conditions, scrutinizing title reports, and identifying potential fraud in a comprehensive risk management approach.

●Spearheaded the mortgage application process from initiation to closing, ensuring compliance with industry regulations and company policies through the implementation of streamlined procedures for document collection and verification.

Also Excelled As

Junior Underwriter/Senior Loan Processor Washington Mutual, Lake Success NY Sep. 2007 – Feb. 2008

Underwriter American Brokers Conduit, Kennesaw GA May 2005 – Aug. 2007

Junior Underwriter/Senior Loan Processor Washington Mutual, East Point GA Apr. 2002 – Jun. 2006

Mortgage Loan Specialist Express Financial, Uniondale Jan. 2002 – Mar. 2002

Loan Officer Ameriquest Mortgage Company, Uniondale NY Dec. 2000 – Dec. 2001

Assistant Manager Equicredit/ Bank of America, Jericho NY Jul. 1999 – Nov. 2000

Senior Loan Specialist Equicredit/ Bank of America, Jericho NY Jul. 1995 – Jul. 1999

Junior Loan Specialist Equicredit/ Bank of America, Jericho NY Jul. 1994 – Jul. 1995

Education

Briarcliffe College of Bethpage

Business Degree (Pending)

Technical Skills

Tools: Microsoft Office Suite

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