Holly Williams
Newport
Summary
Mortgage lending professional with extensive expertise in loan origination, underwriting, and regulatory compliance. Demonstrated success in streamlining processes and managing risk while delivering exceptional customer service. Certified HUD Counselor and Mortgage Loan Officer with a proven track record in maintaining compliance with federal and state regulations. Skilled in credit analysis and financial counseling, resulting in improved loan processing efficiency and increased client satisfaction.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
New Hampshire Community Loan Fund
Concord
05.2025 - Current
- Developed strong relationships with community members to promote lending services.
- Assisted clients in navigating mortgage application processes and requirements.
- Developed relationships with real estate agents, builders, title companies, attorneys and other referral sources.
- Evaluated housing applications for compliance with industry standards and regulations.
- Assisted clients in understanding financing options for manufactured housing purchases.
HOC Program Manager
RuralEdge
Saint Johnsbury
10.2024 - 05.2025
- Administered multiple loan and grant programs, ensuring adherence to guidelines, and efficient fund allocation.
- Prepared, presented, and documented materials for the Loan Review Committee to facilitate informed decision-making.
- Maintained compliance with all applicable lending regulations, reducing risk, and ensuring program integrity.
- Provided financial counseling and budgeting support to community members, tailoring solutions to individual needs.
- Managed reporting for all funding sources, delivering accurate and timely updates on program performance.
Mortgage Production Supervisor
NorthCountry Federal Credit Union
Barre
09.2020 - 10.2024
- Supervised loan origination and underwriting processes, maintaining high standards of accuracy and compliance.
- Managed pipeline priorities, ensuring efficient task allocation based on urgency.
- Built and maintained strong relationships with real estate agents, appraisers, and title companies.
- Conducted risk assessments and creditworthiness evaluations using financial statements and credit reports.
- Provided ongoing coaching to sales team members, resulting in a 20% improvement in productivity.
- Coordinated workflow between departments to optimize resource utilization and efficiency.
- Maintained up-to-date knowledge of mortgage lending guidelines from FHA, VA, Fannie Mae, and Freddie Mac.
Residential Mortgage Specialist
Vermont State Employees Credit Union
Montpelier
10.2019 - 09.2020
- Guided clients through mortgage refinancing, educating them on rates, terms, and repayment options.
- Conducted a thorough financial analysis to evaluate borrower eligibility and creditworthiness.
- Communicated loan status updates clearly, and ensured timely resolution of documentation requirements.
- Reviewed property appraisals and ensured accurate property valuations.
- Collaborated with processors and underwriters to meet loan approval conditions.
Home Equity Underwriter
JPMorgan Chase
Milwaukee
09.2011 - 12.2016
- Evaluated home equity applications, conducting credit analysis, and financial document verification.
- Ensured compliance with RESPA, TILA, and other industry regulations.
- Created promotional materials in collaboration with marketing teams to showcase mortgage products.
- Delivered professional lending decisions and clear guidance to applicants and loan originators.
Education
Some College - Businesses Administration with Accounting
Alverno College
Milwaukee, WI04.2014
Skills
- Loan origination and underwriting
- Regulatory compliance (TILA, RESPA, FHA, VA, Fannie Mae, Freddie Mac)
- Risk assessment and credit analysis
- Client relationship management
- Financial counseling and budgeting
- Reporting and documentation management
- Team leadership and coaching
- Software proficiency: Encompass, Counselor Max, and The Mortgage Office
Certification
- Certified Notary Public
- Certified Mortgage Underwriter, 11/23
- HUD Certified Counselor, 10/24
- Mortgage Loan Originator-NMLS 792621
References
References available upon request.
Timeline
Mortgage Loan Originator
New Hampshire Community Loan Fund
05.2025 - Current
HOC Program Manager
RuralEdge
10.2024 - 05.2025
Mortgage Production Supervisor
NorthCountry Federal Credit Union
09.2020 - 10.2024
Residential Mortgage Specialist
Vermont State Employees Credit Union
10.2019 - 09.2020
Home Equity Underwriter
JPMorgan Chase
09.2011 - 12.2016
Some College - Businesses Administration with Accounting
Alverno College
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