Microsoft excel
Contessa Williams
Dallas,TX
Summary
Versatile resourceful professional with over 20 years in Mortgage Operations. Expert processing and adjudicating loan applications for loan approval/denial. Proficient in researching, evaluating, analyzing, and processing complex loan documents. Strong communication and collaborative skills. Ability to work, and focus in high-stress environments.
Overview
14
14
years of professional experience
Work History
Salon Owner Operator/Stylist
Tress By Tess
03.2016 - Current
- Responsible for servicing over 100 clients monthly while ensuring reasonable and quality service
- Maintained salon finances, including budgeting, payroll, and bookkeeping
- Organized and scheduled appointments for clients using software systems
- Assessed inventory needs for hair care products, and cosmetics on an ongoing basis
- Maintained relationships with vendors and suppliers who provide necessary items for running the salon
- Implemented quality control measures throughout the salon to maintain high standards of service delivery
- Promoted special offers through social media platforms to attract new customers
- Resolved customer complaints quickly and efficiently while maintaining professionalism
- Provided excellent customer service to ensure repeat business from satisfied clients
- Ensured that all safety protocols were followed in the salon at all times
- Analyzed financial reports every month to identify areas of improvement in the business
- Investigated new trends in beauty industry services to stay current with new trends
- Implemented successful business strategies to increase revenue and target new markets
- Formed and sustained strategic relationships with clients
- Educated clients on how to care for their hair at home through proper shampooing and style techniques
Sr. Loan Processor
First Option Mortgage
05.2015 - 08.2015
- Successfully managed daily pipeline of Conventional and FHA refinance and purchase transactions
- Researched, collected and analyzed documentation needed for loan approval
- Developed strong relationships with internal and external partners
- Strong written and verbal communication skills
- Strong knowledge of DU/DO originating system
Litigation Review-Project Underwriter
Treliant Risk Advisors, LLC
05.2014 - 05.2015
- Manage a daily assigned work queue of post-closed loans while maintaining an agreed-upon level of service
- Re-underwriting loan files, calculating income, ratios and loan to value
- Respond to investors' claims, cites, and allegations, providing accurate information and excellent customer service while adhering to lender guidelines
Quality Assurance Underwriter
Caliber Funding, LLC
08.2012 - 09.2013
- Reviewed and analyzed approved loan files to ensure they meet loan program requirements
- Performed the individual analysis of loan applications, debt and assets portfolios, income/financial statements, loan values/loan-to-value ratios, appraisal reports, and collateral documentation
- Identified loan deficiencies and calculated risk grades
- Revisited previously processed loans to review and clear deficiencies
- Transferred files to the Quality Control team when fraud was suspected
Senior Loan Processor
Bank of America Home Loans
03.2011 - 08.2012
- Processed, verified, and cleared outstanding conditions for purchase and refinance of conventional conforming and non-conforming loan transactions
- Collaborated with underwriters to obtain quality mortgage files, calculate income, and verify assets
- Responsible for maintaining a pipeline of up to 50 loans per month
- Provided exceptional customer service to patrons, continuously exceeding all branch goals
- Reviewed and identified critical problems related to collateral and closed loan files of FHA, VA, and Conventional loans
- Provided extraordinary customer service to internal and external clients
- Monitors transaction activity to identify potential suspicious activity within a given timeframe
- Identify patterns and trends consistent with money laundering and terrorist financing, and flag any suspicious activities detected
- Completed Suspicious Activity Reports (SAR) as required by the Bank Secrecy Act
- Participates in other areas of the AML program such as Office of Foreign Assets Control (OFAC) compliance
- Monitor partner training logs and training materials
Education
Paralegal Studies -
Kaplan University
Davenport, IA01.2008
Business Studies -
Harold Washinton City College
Chicago, Il01.1994
Skills
- Leadership
- Risk Analysis
- Audit Coordination
- Regulatory Compliance
- Compliance and Procedure Monitoring
- Credit/Financial Analysis
- Research
- Customer Service
- Written Communication
- Verbal Communication
Software
Microsoft Office
Google Suite
Timeline
Salon Owner Operator/Stylist
Tress By Tess
03.2016 - Current
Sr. Loan Processor
First Option Mortgage
05.2015 - 08.2015
Litigation Review-Project Underwriter
Treliant Risk Advisors, LLC
05.2014 - 05.2015
Quality Assurance Underwriter
Caliber Funding, LLC
08.2012 - 09.2013
Senior Loan Processor
Bank of America Home Loans
03.2011 - 08.2012
Business Studies -
Harold Washinton City College
Paralegal Studies -
Kaplan University
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