Team Lead Quality Control

Sharon L. Williams

Email Address: **************@*****.*** Phone: 469-***-****

WORK EXPERIENCE:

Bank of Texas

**/** – current

Relationship Banker II

· Manage multiple branches to take care of various client needs

· Leading and training new employees on various bank products and procedures

· Assist with the growth and expansion of the financial center’s assigned portfolio

· Cross sell Commercial clients regarding lending products in mortgages, HELOC and other consumer

lending products

· Build and retain long-term relationships with individual and business clients

· Operates cash drawer for deposit and withdrawal transactions

InTouch Credit Union

7/2022 – 01/24

Sr. Home Equity Loan Processor

Build relationships with members to ensure adequate loan information for structuring and closing loans.

Ensure rates and loan fees are correct.

Perform quality control of outgoing work.

Work directly with underwriters and AVP of Consumer Lending to problem solve and overcome hurdles in the loan processing, closing, and funding of loan file.

Train, develop, and mentor new team members.

Review loan files for compliance and guideline.

Define, establish, and administrate risk, controls, and metrics reporting.

Run and Review Credit Report

Analyze Assets, Risk and Control of processes

Review and Calculate Income documentation.

Orion Lending

5/2020 – 05/2022

Jr. Underwriter

Work closely with underwriters, request documentation and follow up on missing conditions

Review and evaluate credit applications to assess the loan package for approval of fraudulent activity and provide feedback to the Processors to improve the quality of the loan files.

Assisted team lead with training of processors in guideline and processing of loan file.

Review loan files for compliance and guidelines.

Define, establish, and administrate risk, controls, and metrics reporting.

Run and Review Credit Report

Analyze Assets

Review and Calculate Income documentation

Pacific Union Financial, LLC/ Mr. Cooper

5/2016- 5/2020

Jr. Underwriter/ Account Manager

Work closely with underwriters, request documentation and follow up on missing conditions

Re-disclose as required by law on valid change in circumstances and /or coordinate with proper associates to ensure timeliness

Review and evaluate credit applications to assess the loan package for approval of fraudulent activity and provide feedback to the Processors to improve the quality of the loan files.

Assisted team lead with training of processors in guideline and processing of loan file.

Review loan files for compliance and guidelines.

Define, establish and administrate risk, controls and metrics reporting.

Alliance International Corporation 7/2014 – 5/2016

Audit/Compliance

Manage and develop a staff of 8 analysts that focuses on the quality of process and procedures for banking and mortgage companies.

Remediate risk for the institutions and the borrowers through federal and governmental regulations.

Define, establish and administrate risk, controls and metrics reporting.

Liaison to government officials in reporting findings of profits and loss, and portfolio status of companies.

Review and execute CFPB guidelines and regulations

Genpact Mortgage Services 03/2012 – 02/2014

Audit/Compliance Team Lead

Implemented and managed the mortgage quality compliance team. Work closely with senior level management as SME (subject matter expert).

Conduct pre-funding and post close reviews of residential loans (Conventional, FHA, VA & USDA) in accordance with FNMA, FHLMC, FHA and VA.

Review and analyze mortgage applications, credit reports, appraisals, income and asset documents to decide regarding deficiencies identified.

EDUCATION:

Wesley Biblical Seminary – Biblical Studies 8/2021 - Current

Miller-Hawkins Business College – Accounting/Finance 5/1991- 5/1993

SKILLS AND QUALIFICATIONS:

Microsoft Office, Unifi, Encompass, Calyx Point. Excellent Communication & Customer Service skills. Ability to multi-task, adapt to new job routine easily. I am efficient and motivated. I have several years of experience with analyzing and approving FNMA and conventional loans. I'm comfortable working in a high-volume paperless environment. My time management and organizational skills are superb, meaning I am prompt in my work and thorough with the review of loan analysis. I have great working relationships with my coworkers as well as excellent communication skills (both verbal and written) when working with other professionals in the business. My time spent in this profession combined with my ability to work independently means I would be a great fit for any company.

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