Michael Williams Jr.

*** *** **** **. **********, PA 19401 Phone: 267-***-****

adr2kx@r.postjobfree.com

A dynamic leader with proven experience in human resource management, sales, financial planning, and conflict resolution, combined with strong administrative management skills. That aims to respond to new challenges and cultivate effective leadership. Offering an award-winning track record of excellence within high- volume environments and industries.

Key Skills:

• Dynamic Leadership

• Sales Recognition

• Human Resource Management

• Marketing

• Budget Management

• Business Development

• Conflict Resolution

• Strategy Development

• Negotiating Terms

• Credit Underwriting skills

Professional Experience

Keller Mortgage - Norristown, PA 2020- 2022

Mortgage Underwriter

• Senior-level loan decision authority, reviews, and underwrites most complex portfolio loans

• Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures within risk tolerance

• Independently considers, recommends and discusses alternative structures and overall assessments

• Evaluates all documents and conditions loan accordingly

• Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues

• Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements

• Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements.

• Obtains and reviews financial information and provides in-depth credit analysis practices

• Acts as a subject matter expert in the most complex lanes or work Firstrust Bank - Philadelphia, PA 2016- 2019

Banking Office-Community Banking Manager

• Leading sales team to exceed goals and projections

• Driving business development, building relationships and creation of a prospect pipeline,

& providing excellent service to a book of business

• Selected to join an exclusive team to advisor marketing consultants

• Engage connection in human relations including the hire and growth of personnel Beneficial Bank - Maple Glen, PA 2014- 2016

Relationship Consultant II

• Educating clients to make wise financial decisions. Creatively instructed financial literacy courses.

• Excelling in reaching sales goals

• Leading in cold and warm contact Retail and B2B sales Wells Fargo Bank - Abington, PA 2010 –2013

Personal Banker/Assistant Manager

• Manage staffing needs, audit tasks, driving staff to meet service and sales goals

• Perceive customer needs and find ways to make the customer experience memorable.

• Manage customer portfolio, serviced relationships and cross-sold all products and services

H.P. Systems A/V, Uncle Duck’s Ent. - Philadelphia, PA 2008-2013 General Manager

• Coach to motivate and educate team to provide proficient productivity

• Performance Specialist – sales campaign analysis

• Creative Developer of marketing and financial planning and implementation

• Specialist in sales, marketing, and public relations; operations analysis, data processing, budgeting; and personnel

Lockheed Martin IS&GS - King of Prussia, PA 2002-2008 Engineering Level 2/ Web Master Team Lead

• Creative design professional in media and graphic ad campaigns

• Modified and designed user-friendly web sites

• Spearhead a team that developed and promoted an asset assessment tool

• Instruct and led team members to be effective and efficient using resources such as knowledge management and creative media programs

Education

Peirce College - Philadelphia, PA - Graduated (Cum Laude) Bachelors of Science- Integrated Leadership

Lockheed Martin Apprenticeship Program Graduate

Dale Carnegie Training Graduate

World’s Affair Counsel – Global Leadership Institute Volunteer

Singles Ministry Leader The Greater Philadelphia Church of Christ - Philadelphia, PA Established a tactical plan to create an identity for this ministry, leading to a 30% growth in the participation of the 256 members with a 14% growth in the ministry’s overall membership. Computer Skills

Salesforce, Word, Excel, PowerPoint, Outlook, Programming (HTML, JAVA, C++), Adobe Creative Suite, Lending Software, SQL, Encompass, BluePaint, nCino Customer Service Banking Loans Sales Finance Mortgage Lending Operations Customer Experience Loan Officers Interpersonal SkillsSales & Marketing Supervisory SkillsWritten Communication Captivate Classroom Instruction Organizational Development Content Creation Relationship Development Facilitation Camtasia Society for Human Resource Management (SHRM)

• Strong interpersonal skills

• Ability to influence others and form positive relationships.

• Excellent work ethic, including accountability, attention to detail, sense of urgency, and desire to tackle new challenges. o Strong verbal and written communication skills.

o Bachelor’s degree in a related discipline.

o Experience in a professional office environment. Experience within the mortgage industry and/or mortgage sales a plus.

• Serve as primary point of contact for Commercial Lines client servicing needs, including but not limited to, processing, review and timely delivery of policy documents, coverage review and analysis and managing client billing items, inquires and premium allocations. Client assignments and book of business may include non-traditional insurance programs such as large deductibles, retroactives and layered property.

• Draft renewal submissions, proposals, coverage analysis and other presentation documents for assigned client portfolio.

• Negotiate renewal coverage and pricing with appointed carriers and brokers.

• Review and analyze client contracts and bid specifications to ensure adequate limits and coverage are in place.

• Maintain and document client files in agency management system to support internal document management and quality control procedures.

• Establish and maintain relationships with internal and external customers to ensure quality service and customer satisfaction.

• Work with Account Executives and Producers to evaluate new business opportunities with prospects and clients; assist in onboarding new clients and/or policies.

• Adhere to applicable Agency procedures, workflows and servicing timelines.

• Responsibilities may include management of staff, some off-site travel and client-facing interactions.

• Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.

• Promote an environment that supports diversity and reflects the M&T Bank brand.

• Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

• Complete other related duties as assigned.

Contact this candidate