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Angela Williams

Qualification Summary:

Effective communicator with a proven track record of providing high quality service and meeting departmental metrics with pipeline management.

Prepared and reviewed loan documentation while providing support to a variety of tasks related to the loan process.

Over 10 years’ experience in Wholesale and Mortgage Banking Industry research correspondence, loan administration, commercial loan closing, appraisal review, foreclose review, mortgage underwriting and risk management.

Identified root cause of breaks to improve the auto break matching logic for future use.

Worked in teams and met quality service levels in the investigations and clearance.

Escalated risk and issues identified during the break investigation.

Analyse data from various sources to validate dimensions and influence of data value Issues.

Working knowledge of systems AFS, Flex Cube and loan IQ/contracts; onboarding credit agreements

Prepared general ledger cash postings, journal entries and identifying the root cause of the breaks.

Experience with banking and accounting reconciliation, VLOOKUP formulars and pivot tables

Work Experience:

10/2022 to Present ASAP Commercial Dallas, TX

Commercial Loan Analyst - Hybrid

Reviewed credit agreements ISDA, LFC, CSA, and amendments documentation to identify scope of each loan closing for syndicated and bilateral loans.

Daily loan processing, contract and collateral management, portfolio monitoring, underwriting, risk approvals, and credit reviews.

Reviewed loan products, policies, checklist, and documentations required regarding risk.

Organized and stored the evidence to support the proposed matching of reconciliation breaks.

Perform cash management functions/remitting wires, accepting receipts, and journaling cash internally.

Ensure settlements are processed timely and accurately in the processing system.

3/2021 to 10/2021 Weichert Financial Services Littleton, NJ

QA Commercial Loan Closer-Remote

Reviews loan approval documentation and generates a comprehensive due diligence needs list according to credit policy and loan type.

Responsible for all Misys Loan IQ input on assigned accounts.

Refer Reaffirmations by verifying accounts.

Book closings in a timely manner and ensure prompt funding turnarounds on new deals.

Substitution of Trust (SOT), and calculated Affidavits of Amounts Due (ADA)

Closed and administered high complexity or high risk syndicated commercial loan transactions as well as direct transactions.

5/2017 to 10/2020 TEK Systems Bank of America Dallas, TX

Commercial Business Analyst- Remote

Book new loans into the Loan IQ system.

Calculate funding amounts with supporting documents for booking and wire instructions.

QA Commercial C&I and CRE loan application from financial bookers through the LIQ system by verifying loan data within the Deal, Facility, and Outstanding in Loan IQ (LIQ) system.

Locate backup docs via Virtual Vault, iCon, and GFS to confirm booking correct input in LIQ.

Collecting and analyzing basic identity information following standard Know Your Customer (KYC) procedures from approved internal and external data sources.

7/2011 to 5/2017 Newbold Advisors Ft. Worth, TX

Risk Compliance Analyst - Foreclosure Review

Conduct title review by examining, reviewing, and validating pre-foreclosure collateral documents for verification of standing to proceed with the foreclosure process.

Reviewed appraisals for proper Fannie Mae format accuracy and timely order and receipt of independent values on REO properties to support valuation, listing & the accounting process.

Project management skills preparing audits for legal regulatory compliance of FHA loans by locating documents, verify mortgage instruments for legal compliance purposes & determine whether the right to foreclose/service exists for the legal department representing Bank of America

Perform Lexis Nexis (BANKO) Legal research for TOCs (Transfer of Claims), POCs (Proof of Claims replaced by Form 410A) and NORs (Notice of Rejections)/Deficiencies and uploading documents into the Nautilus database for third party legal counsel.

Research legal documentation using Bank of America’s internal software systems such as ECM/LPS Desktop, Fiserv (FIS), LoanServ (FIS), MSP/CPI, AACER, LPS Portal-MSP Director, LPS Lending Portal 6, Doc View, and Citrix OPUS

Load daily, weekly, and monthly indices on the MSP system early each day with new indices with Publish, Begin & End Dates. Maintain Backup

EDUCATION

DU Underwriting 2015 Champion School of Real Estate 2020

Liberty University Lynchburg, VA 2019

Technology Skills and Platforms

Actimize Appian Loan IQ

MS Outlook/MS Office Black Knight Flex Cube

SharePoint AFS / AS-400 Encompass Snap Docs, SQL

Lexis Nexis (BANKO) Nautilus Database ECM/LPS Desktop Excel

AACER/PACER ACD Call Center Process Payoffs LPS Portal-MSP Director

Bliz Docs KnowledgeLink (KL) CMS/Appraisal Port Touchpoint

CLM/TRAX MERS Online Net Oxygen LPS Desktop

Doc Prep HOA /HOI Payments Proofreading AP Style Virtual Vault

Empower Teams Zoom Calls

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