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
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
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
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
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