Colby Williams
Dallas,TX
Summary
Results-driven underwriting associate with a proven track record in risk assessment and analysis. Adept at evaluating complex financial data to make informed decisions. Strong attention to detail and excellent communication skills, ensuring seamless collaboration with cross-functional teams. Committed to maintaining ambitious standards of accuracy and efficiency in underwriting processes. Expertise in credit and income analysis, loan closing and risk assessment. Innovative and diligent individual commended for working collaboratively with team members and accurately completing loan packages.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Small Business Underwriting Associate
Wells Fargo
11.2019 - 12.2023
- Collected and analyzed business and personal financials such as Income Statements, Balance Sheets, Personal Financial Statements, and Tax Returns
- Conducted market research and competitor analysis to identify new business opportunities
- Assisted in the development of financial models and projections to support lending decisions.
- Assisted and processed Commerical and secured loans, lending over $10M .
- Contacted borrowers to gather additional information to make appropriate lending decisions.
- Completed pre-closing responsibilities to prepare loan files for closing team.
- Modified loan requests to determine best type of loan program for each potential borrower.
- Maintained high levels of customer satisfaction by promptly addressing inquiries and resolving any issues related to underwritten policies.
Business Relationship Associate
Wells Fargo
08.2016 - 11.2019
- Assisted in closing Startup, Expansions, Business Loan Refinances and Practice acquisition deals worth $300 million by collaborating with management to produce financial models, reports, and pitchbooks using Excel, Word, and PowerPoint for clients
- Maintained a prominent level of customer service, gathered required data, provided preliminary assessments on the performance of existing accounts, and offered information on possible new services for customers
- Provided sales, marketing, and operations support to an assigned team of Business Development Managers and Regional Financial/Closing Officers
- Conduct financial analysis and credit assessments to evaluate the creditworthiness of potential and existing clients
- Collaborate with senior relationship managers and other departments to execute sales strategies and achieve revenue targets.
Teller
Wells Fargo
08.2014 - 05.2016
- Provided exceptional customer service, including efficient and accurate transaction processing
- Demonstrated excellent cash-handling practices through accepting retail and commercial deposits, loan payments, and checking and savings account withdrawals
- Answered customer inquiries and referred customers to the proper service area for issues that could not be resolved at the teller line
- Also responsible for bank opening and closing procedures
- Assisted in the solicitation and follow-up on customer operational needs, requests, and resolution of problems.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
Warehouse Supervisor/Rigger
Office Movers Inc.
08.2011 - 12.2013
- Trained, planned, and assigned daily work, conducted performance appraisals, addressed performance issues, and resolved conflicts
- Oversaw a wide variety of warehouse activities, including shipping and receiving raw materials and finished goods.
- Handled day-to-day shipping and receiving overseeing more than 100 packages per day.
- Supervised warehouse operations by managing employees during shifts.
- Kept detailed records of inventories and merchandise inventory transactions.
- Monitored adherence to safety protocols and company policies by staying attentive to details.
Manager
Vocelli's Pizza
07.2009 - 05.2011
- Ensured effective employee relations by providing coaching and development for employees
- Oversee the performance of 6-12 employees, ensuring adherence to company standards, policies, and procedures
- Directed sanitation activities to ensure cleaned equipment and period cleaning criteria and requirements were met.
Education
Bachelor of Science - Finance
Hampton University
Hampton, VA12.2015
Skills
- Proficient in Microsoft: Word, Excel, PowerPoint, Outlook, WordPerfect, MS Explorer
- Customer Relationship Software: Business Lending and Sales Tracking (BLAST), Customer Relationship Management Tools(CRMT), Salesforce
- Financial Analysis: Financial Statements Analysis, Ratio Analysis, Horizontal and Vertical Analysis, Loan Pricing
- Market Research and Analysis: Market Trend Analysis, SWOT Analysis, Competitive Analysis
- Sales and Business Development: Cross-selling and Upselling Strategies, Lead generation and conversion
- Credit analysis
- Underwriting guidelines
- Sales Support
- Administrative Support
- Attention to Detail
Certification
- Corporate Finance Institute
- Commercial Banking & Credit Analyst (CBCA)
Additionalcoursework
- Accounting Principles I
- Accounting Principles II
- Intermediate Accounting I
- Cost Accounting
Timeline
Small Business Underwriting Associate
Wells Fargo
11.2019 - 12.2023
Business Relationship Associate
Wells Fargo
08.2016 - 11.2019
Teller
Wells Fargo
08.2014 - 05.2016
Warehouse Supervisor/Rigger
Office Movers Inc.
08.2011 - 12.2013
Manager
Vocelli's Pizza
07.2009 - 05.2011
Bachelor of Science - Finance
Hampton University
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