Garrick Williams
Dallas,TX
Summary
Results-driven professional prepared for senior responsibilities with a strong background in mortgage underwriting focused on team collaboration and achieving results in fast-paced environment. Expert in risk management and analytical decision-making exceling in mentoring peers and interpreting complex financial documents, consistently achieving high standards in compliance and client satisfaction. While also maintaining high production and excellent quality. I have participated in creating workarounds and production tools, that are incorporated in day to day functions.
Overview
17
17
years of professional experience
Work History
Senior Mortgage Underwriter - Team Lead
JP Morgan & Chase
Plano, TX
09.2014 - Current
- Analyzed and verified applicant financial documents, including income statements, tax returns, bank statements, and credit reports, to verify borrower income, assets, and liabilities to support compliance with underwriting guidelines.
- Contributed to the development of departmental guidelines and procedures by actively participating in meetings and sharing expertise as needed.
- Interpret and apply underwriting guidelines, investor requirements, and regulatory mandates to make sound underwriting decisions.
- Increased team productivity by mentoring junior underwriters, sharing industry knowledge, and providing constructive feedback on their work.
- Enhanced loan quality by meticulously reviewing and analyzing complex financial documents, credit reports, and appraisals.
Account Servicing Representative
GM Financial
Arlington, TX
06.2013 - 09.2014
- Managing delinquent auto loan accounts and ensuring timely repayment from borrowers.
- Capability to negotiate repayment terms with delinquent borrowers, including settlements, payment extensions, and modified payment plans, while balancing the interests of the borrower and the lending institution.
- Analyze borrower situations, identify root causes of delinquency, and develop creative solutions to help borrowers bring their accounts current.
- Recognized as a top performer within the team for consistently surpassing goals and maintaining high levels of client satisfaction.
- Exceeded monthly targets consistently as a result of strong negotiation skills combined with effective account management strategies.
Professional Athlete
NFL
Buffalo, NY
06.2011 - 01.2013
- Performing on the field in accordance with the rules while competing at the highest level of the sport.
- Optimized nutrition, training regimens and lifestyle choices to keep fitness at optimal levels.
- Participating in community outreach programs to promote their team or organization’s mission.
- Demonstrated and promoted the importance of sportsmanship, discipline, and teamwork both on and off the field to uphold the reputation of the organization.
Business Analyst Intern
The King Group
Dallas, TX
09.2008 - 05.2011
- Utilized data visualization techniques to present and explain complex data sets.
- Assisted in data analysis and interpretation to support business decision-making processes.
- Conducted market research to identify industry trends and inform strategic planning initiatives.
- Participated in professional development opportunities to enhance skill set, contributing to overall intern growth and potential future employment prospects.
Education
Bachelor of Science - Business Communications
Texas A&M University
College Station, TX05.2011
Skills
- Leadership
- Analytical
- Attention to Detail
- Decision Making
- Problem-Solving
- Team Collaboration
- Time Management
- Risk Management
- Industry Knowledge
Timeline
Senior Mortgage Underwriter - Team Lead
JP Morgan & Chase
09.2014 - Current
Account Servicing Representative
GM Financial
06.2013 - 09.2014
Professional Athlete
NFL
06.2011 - 01.2013
Business Analyst Intern
The King Group
09.2008 - 05.2011
Bachelor of Science - Business Communications
Texas A&M University