Christine (Chrissy) Williams

• Represented the organization at industry events, conferences, and public meetings.
• Developed and implemented comprehensive strategies to improve operational processes and organizational efficiency.
• Enhanced customer/sales satisfaction through the development of workflow improvement initiatives.
• Partnered with staff to create professional development plans to support personal and business growth.
• Identified opportunities for process optimization through newly created reporting analysis.
• Provided leadership, insight and mentoring to employees to supply knowledge of various agency programs.
• Promoted a culture of innovation and encouraged staff to contribute ideas.
• Managed team of 7 Condo Analyst/Intake Coordinators

• Underwrote condo projects in alignment with all agency guidelines, including non-warrantable project exceptions
• Carried a heavy pipeline of 8 to 15 reviews per day.
• Responsible for in-depth, non-warrantable analysis for project exceptions.
• Worked closely with management to implement positive change to workflow process

• Escalations Manager for Condo and Collateral related issues
• Directly aligned with collateral teams and their managers to facilitate high level collateral decisions/exceptions
• Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
• Completed ongoing professional training to facilitate accurate and productive collateral/condo management.
• Worked with upper level management and credit policy to evaluate collateral strategies and develop improvements
• Resolved collateral escalations and maintained QC findings, achieving recognition across organization for having insight, due diligence and precision skills.
• Participated in meetings with senior management personnel providing advice on complex lending transactions involving multiple types of collaterals.

• Managed a team of 26 DE, SAR, and conventional collateral underwriters, and condo project underwriters.
• Worked with all upper-level management teams on enhancing proprietary mortgage software to meet all agency guidelines.
• Instrumental in underwriter training
• Worked hand in hand with QC and Loan Resolution teams to handle all repurchase demands (Asana)
• Assisted in developing policies and procedures relating to loan documentation requirements and collateral management practices.
• Ensured all regulatory requirements were met when handling collateral transactions.
• Participated in meetings with senior management personnel providing advice on complex lending transactions involving multiple types of collaterals.

• Review of all current HOA worksteps in Octane - Condo and PUD project reviews (Retail and Wholesale) Collateral and Credit Underwriting reviews
• Complete reviews in CPM and submit for all CVAS exceptions for any loan within our company
• Direct line relationships with FNMA/FHLMC project departments
• Reviewed and provided comments on the adequacy of documents and took necessary steps to make them more efficient
• Monitored multiple databases to complete project reviews and Condo/PUD workflows in Octane
• Successfully led key projects for Octane (proprietary software) to ensure documents required for project reviews met guidelines
• Provide onsite training for other project standards underwriters and Processing Managers, TC's and TA's.
• Review Appraisal workflows in Octane
• Credit Underwriter III
• DE Underwriter

• Designated established/new construction underwriter for all 5 NYC Burroughs
• Daily performance of conforming reviews (agency), non-conforming reviews (internal), Second Level Reviews and Exceptions with FNMA and Exception Policy (WF Internal).
• Trained in all project undewriting reviews (Established, New Construction, FHA, Deed Restrictions, Leaseholds, Classifications (Resort) and NY Specialized.
• Initial review of condo / co-op documentation

-Budgets/Financial

-Condo Questionnaires

-Statements/Corporate Business Returns

-Master Insurance Policies

-Reserve Studies

-Title, 1074 and CC&R's

• Worked hand in hand with Appraisal Underwriting Group
• Served as SME for Condo Calls and Trainings
• Interim Loan Administration Manager for NPRES in Minnesota
• Performed Underwriter Huddle Calls and 1:1 calls
• Driving force behind implementation of HOA cert changes and approval process, Internal Condo Mailbox
• Served as Head Underwriter on pilot program for WF Internal Escalation Mailbox

• Maintained numerous spreadsheets for condominium projects for current and previous years
• Responsible for updating condo production report monthly, reviewed by upper management
• Worked with CET to track WF exposure through national reporting
• Mantained calenadar for both Vice Presidents of WF Builder Divisoin
• Worked directly with 19 Regional Builder Sale Managers to assist with condo management process
• Managed WF's Condominium and NBD websites
• Handled all expenses, timecards and Pcard transactions for NBD
• Published the National Builder Division Newsletter
• Compiled research for many condo projects (ie., insurance, market analysis, new programs, new broker out services)