Operations Analyst Business Development

ALPHONSE WILLIAMS

St. Peters, MO ***** · 636-***-**** · ************.**@*****.***

LinkedIn: https://linkedin.com/in/alphonse-williams-0a868726

UNDERWRITER OPERATIONS ANALYST

Dynamic, solution-focused professional with extensive experience in financial lending, underwriting, and operational analytics. Proven track record of enhancing performance, streamlining processes, and driving strategic initiatives in high-volume environments. Adept at data analysis, cross-functional collaboration, and compliance. Committed leader with a history of coaching teams to exceed targets while maintaining quality and regulatory standards.

CORE COMPETENCIES

• Credit & Risk Analysis

• Operational Performance & Analytics

• Mortgage Underwriting (Conventional, FHA, VA, Jumbo)

• Data Reporting & KPI Dashboards

• Process Improvement & Workflow Optimization

• Regulatory Compliance & Audit Support

• Project Management & Cross-Functional Leadership

• Financial Services Marketing & Business Development

• Staff Training & Development

• Tools: MS Office Suite, Encompass, NetOxygen, AUS Systems

PROFESSIONAL EXPERIENCE

Eteam / US Bank – St. Louis, MO

Operations Analyst · June 2024 – Present

• Developed and maintained performance dashboards and automated reports, enhancing operational visibility and decision-making.

• Identified process inefficiencies and implemented workflow improvements that increased team productivity.

• Led SOP updates and audit preparations to ensure regulatory compliance and operational consistency.

• Drove cross-functional initiatives to align departmental goals with corporate strategy.

US Bank Home Mortgage – St. Louis, MO

DE Mortgage Underwriter · October 2017 – February 2024

• Underwrote FHA, VA, Conventional, and Jumbo loan files with signing authority up to $3.5M.

• Maintained 100% audit quality rating with zero compliance issues.

• Reviewed complex cases, applying both automated and manual underwriting standards.

• Partnered with loan officers to troubleshoot and re-structure deals for borrower approval.

American Equity Mortgage – St. Louis, MO

DE Mortgage Underwriter · March 2015 – October 2017

• Executed full file reviews for retail loans while ensuring alignment with investor and regulatory guidelines.

• Actively contributed to training initiatives for new underwriters and processors.

• Championed quality control initiatives that reduced loan defects by 30%.

Digital Risk – Maitland, FL

Mortgage Underwriter · June 2014 – September 2014

• Supported national loan review operations for major lending institutions, ensuring guideline compliance.

• Demonstrated exceptional attention to detail in fast-paced environments.

Bank of America – St. Louis, MO

Mortgage Underwriter · September 2010 – April 2014

• Managed high-volume pipelines with consistent top-tier performance in file accuracy and compliance.

• Contributed to policy refinement through feedback loops with compliance and risk departments.

ADDITIONAL EXPERIENCE

Magellan Harbor Lending / American Home Lending – St. Louis, MO

Branch Manager

• Directed residential mortgage origination, underwriting, and closing.

• Managed staff performance, implemented new loan processes, and conducted internal audits.

• Oversaw HMDA reporting and regulatory inspections, ensuring flawless execution.

EDUCATION

Business Administration (Coursework Completed)

St. Louis Community College – Forest Park, MO

MILITARY SERVICE

United States Army

• Honorable service with a disciplined, mission-focused mindset that translates into operational leadership and accountability.

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