COLLIE WILLIAMS
Summary
Results-driven Loan Officer with extensive experience in mortgage lending, underwriting, and disaster business loan processing. Adept at evaluating loan applications, analyzing financial resources, and determining borrower creditworthiness. Strong knowledge of SBA, USDA, FHA, VA, Conventional, and Commercial loan programs, ensuring compliance with federal regulations. Expertise in fraud prevention, credit risk assessment, and document verification. "Recognized as a top performer", successfully processing and underwriting "multi-million-dollar" loan portfolios. Proficient in financial software, credit analysis tools, and customer service management systems.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Loan Officer (Underwriting) – Disaster Business Loan
U.S. Small Business Administration (SBA) Grade 9
07.2024 - Current
- Conduct in-depth financial underwriting and risk assessment for SBA 7(a), 504, and Disaster Business Loans (EIDL, COVID Relief, and other federal disaster assistance programs)
- Review and verify financial documents, including tax returns, bank statements, profit & loss statements, and business financials, ensuring accuracy and compliance with SBA lending policies
- Assess borrower eligibility for disaster business loans, ensuring proper documentation and adherence to federal disaster relief guidelines
- Perform fraud detection and risk mitigation by utilizing UCC, EIN, SSN, LexisNexis, and CAFS searches to identify inconsistencies and potential fraudulent applications
- Provide technical assistance to small business owners affected by natural disasters, ensuring they receive financial aid for business recovery
- Guide applicants through the loan processing and approval workflow, assisting with document submission and compliance requirements
- Manage a high-volume pipeline of loan applications, ensuring timely processing while maintaining accuracy and regulatory compliance
- Work closely with internal SBA teams and external stakeholders to facilitate loan funding and disbursement for disaster-impacted businesses
Loan Signing Agent
Clarity National Loan Signing & Notary Service
03.2019 - Current
- Facilitate loan closings by ensuring accuracy in loan documents, contracts, and compliance forms
- Verify borrower identity, witness signatures, and ensure proper notarization of loan documents
- Communicate with lenders, title companies, and borrowers to expedite loan funding and closing processes
- Maintain confidentiality and compliance with industry standards and regulations
Senior Customer Service Representative (Grade 11)
U.S. Postal Service (USPS)
10.2016 - 07.2024
- Managed high-volume customer inquiries, resolving service issues and ensuring customer satisfaction
- Trained and mentored junior staff, enhancing overall team performance
- Utilized CRM tools to track customer interactions and provide data-driven service improvements
Loan Specialist
Bank of America (SBA/USDA) Grade 9 $54,000
01.2015 - 10.2016
- Processed and managed SBA 504, 7(a), USDA, and HUD loans, ensuring compliance with SBA guidelines
- Reviewed fraud alerts and application inconsistencies through UCC, EIN, SSN, and CAFS searches
- Assessed and compiled legal documentation for loan approvals and underwriting evaluations
- Assisted borrowers with financial planning and eligibility requirements for federal loan programs
Customer Service Escalation Specialist
ASK Telemarketing
10.2014 - 01.2015
- Resolved high-level customer escalations, improving service retention rates
- Trained employees on conflict resolution and customer engagement techniques
- Monitored and evaluated team performance, implementing strategies to improve service delivery
Customer Service Representative (Grade 10)
Federal Service Desk (SAMS.gov)
08.2013 - 10.2014
- Provided technical assistance to government contractors and grant applicants
- Assisted with the SAMS.gov registration process and troubleshooting
- Ensured compliance with federal procurement regulations for government funding programs
Education
Covenant Academy
Montgomery ALSkills
- Loan Underwriting & Risk Assessment
- SBA, USDA, FHA, VA, and Conventional Loan Processing
- Disaster Business Loan Processing (EIDL, COVID Relief, Natural Disaster Recovery)
- Financial Document Review & Analysis
- Fraud Detection & Compliance (LexisNexis, UCC, EIN, SSN Searches)
- Credit Risk & Creditworthiness Determination
- Loan Closing & Documentation
- Customer Service & Client Assistance
- Banking & Financial Services
- Regulatory Compliance & Reporting
Certification
- Certified Loan Signing Agent
- Certified Notary
- Pre-NMLS License Certificate – 20-Hour SAFE Comprehensive Mortgage Loan Originator Course
- SAMS Consultant for Government Contracts
Timeline
Loan Officer (Underwriting) – Disaster Business Loan
U.S. Small Business Administration (SBA) Grade 9
07.2024 - Current
Loan Signing Agent
Clarity National Loan Signing & Notary Service
03.2019 - Current
Senior Customer Service Representative (Grade 11)
U.S. Postal Service (USPS)
10.2016 - 07.2024
Loan Specialist
Bank of America (SBA/USDA) Grade 9 $54,000
01.2015 - 10.2016
Customer Service Escalation Specialist
ASK Telemarketing
10.2014 - 01.2015
Customer Service Representative (Grade 10)
Federal Service Desk (SAMS.gov)
08.2013 - 10.2014
- Certified Loan Signing Agent
- Certified Notary
- Pre-NMLS License Certificate – 20-Hour SAFE Comprehensive Mortgage Loan Originator Course
- SAMS Consultant for Government Contracts
Covenant Academy
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