Cheryl Patrick Williams

• Review loan files and update to match current standards
• Explain different types of loans pertaining to client situations
• Develop and implement marketing campaigns to generate new business opportunities
• Analyze loan applications and credit reports to determine loan eligibility and risk level
• Explain very technical financial information to applicants in easy to understand language
• Obtain copies of applicants' credit histories and review paperwork to determine feasibility of granting loans
• Proactively identify solutions for customers experiencing credit issues
• Develop and maintain relationships with customers, lenders and other third parties

• Communicate with clients to understand property needs and preferences.
• Negotiate real estate contracts to navigate transactions between buyers and sellers.
• Compare properties possessing similar features to determine competitive market prices.
• Liaise between property owners and prospective buyers to facilitate successful and seamless purchase and transfer of ownership.
• Advise clients on mortgage and housing conditions and trends to promote customer education and awareness.
• Work closely with clients to facilitate appropriate loans, inspections and credit reports.
• Arrange for inspections and appraisals of sold properties.
• Assist clients in financial planning for purchase, when necessary.
• Maintained connections with clients to encourage repeat business and referrals.

Originated and oversaw loan closings to satisfy borrower needs to purchase and refinance real estate.

• Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on each clients' individual needs.
• Helped clients plan for and fund retirements using mutual funds and other options to manage, customize and diversify portfolio.
• Presented results of financial analyses to clients verbally and in written form.

• Managed contracts, negotiations and all aspects of sales to finalize purchases and exceed customer expectations.

• Managed strategic and tactical duties of materials planning /procurement function in support of R&D lab projects transitioning into production.
• Promoted and facilitated information flow between lab-manufacturing in an environment that stretched across multiple levels of technical knowledge, cultures and time zones.
• Facilitated order processing for domestic and international orders.
• Maintained needed levels of inventory for purchasing program providing 24-hour turnaround time for customers.

Electric Resource Engineer in San Francisco, CA:

Managed and restructured power Purchase Agreements reducing PG&E's merchant costs to third party power generators.

Power Production Engineer at the Geysers Power Plant, CA:

Provided technical support to Operations and Maintenance personnel on power plant operations while maintaining compliance with industry safety and environmental standards

Designed modifications to existing refinery facilities, solved chronic maintenance problems involving plant equipment and technically supported daily refinery operations.