Assistant Manager Home Equity

Sharon L. Williams

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

WORK EXPERIENCE:

Bank of Texas

*/**** – current

Relationship Banker

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

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

Operates cash drawer for deposit and withdrawal transaction

InTouch Credit Union

07/2022 – 1/2024

Home Equity Assistant Manager

Manage team of loan coordinators for consumer and commercial lending

Led team of HE Loan Processors and increased efficiency by 25%

Critical part of changing loan processing platform to reduce production and approval delays by 10%

Evaluate and review all Home Equity Loans / Lines of Credit which are underwritten according to banks and market investor standards.

Review loan documentation to make sure all guidelines are within compliance with different state/government policies and regulations.

Developed an effective and efficient working relationship with underwriters and processors.

Sign off on conditions in a timely manner set by management.

Reviewed and approved all Release of Liens for paid off HELOANS/HELOCS

Approved all UCC filings

Orion Lending

05/2020 – 07/22

Jr. Underwriter

Evaluate and review all credit and all pertinent information to determine credit risk of potential customers.

Make recommendations for approval or decline based financial institution guidelines and risk policies.

Review loan documentation to make sure all guidelines are within compliance with different state/government policies and regulations.

Collaborate with other underwriters and team members.

Sign off conditions in a timely manner set by management communicate underwriting decisions with processors and advisors.

Provides final approval underwriting of mortgage loans.

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 provides 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, control 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, control 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 on deficiencies identified.

Wells Fargo Home Loans

12/2007-03/2012

Underwriter I

Established procedures and significant job experiences to perform moderately complex work assignments and problem resolution.

Review and evaluate credit applications to assess the loan package for approval of fraudulent activity and provides 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.

EDUCATION:

Business Management 05/05 - University of Phoenix - Dallas Campus Accounting/Finance 05/93 - Miller- Hawkins Business College

Bachelor of Science; Biology/Pre-Med – 05/91- Mississippi Valley State University

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 am 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 and 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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