JENNIFER WILLIAMS
Webster Groves,MO
Summary
Detail-oriented Credit Analyst with experience evaluating financial statements, assessing creditworthiness, and managing risk across diverse portfolios. Proven ability to analyze complex financial data, identify trends, and support sound lending decisions while ensuring compliance with internal policies and regulatory standards. Strong communicator with a collaborative approach to supporting business and client needs.
Overview
26
26
years of professional experience
Work History
Credit Analyst
TransAdvantage USA
St Louis, MO
07.2023 - Current
- Analyzed credit data to evaluate risk and inform lending decisions.
- Developed financial models to assess client creditworthiness and repayment capacity.
- Collaborated with cross-functional teams to streamline credit approval processes.
- Conducted regular reviews of credit policies to ensure compliance with regulations.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Senior Mortgage Loan Underwriter
Altisource
Saint Louis, MO
09.2015 - 09.2022
- Able to interpret credit policy and investor guidelines applicable to specific loans
- Properly document all decisions to ensure meeting all underwriting guidelines
- Establish and maintain communication with client relationship managers in regards to any areas of concern
- Able to demonstrate effective customer service and problem solving skills
- Able to meet or exceed productivity goals while maintaining acceptable quality control reviews
- Responsible for maintaining a high level of detail and flexibility while working in a fast-paced environment
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Trained junior team members in underwriting procedures and loan quality grading standards.
- Reviewed and analyzed complex mortgage loan applications for compliance with regulatory guidelines.
- Evaluated creditworthiness by assessing financial history and risk factors in loan requests.
Senior Consumer Underwriter
Wells Fargo
Saint Louis, MO
10.2010 - 10.2013
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Verified integrity of applicants' information to minimize fraud.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Consumer Loan Underwriter
Aurora Loan Services
Saint Louis, MO
05.2009 - 10.2010
- Worked on FHLMC and FNMA refinance loans and was certified with the HARP(Home Affordable Refinance Program) loans
- Analyzed credit reports, income, tax returns, and assets to insure that all guidelines were met for approval
- Communicated on a daily basis with loan processors, loan officers, title companies, and loan closers to provide quality and accuracy on every file
- Worked a pipeline of 50+ files and met daily goal of 8 loans worked per day., Certified HAMP underwriter
- Underwrite FHLMC, FNMA, and NONGSE modification loans for the Home Affordable Modification Program
- Reduced regulatory risks by assessing closing loans for compliance with HMDA and government requirements.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
Mortgage Loan Underwriter/Processor
Paramount Mortgage Company
Saint Louis, MO
01.2007 - 01.2008
- Processed and performed underwriting for Conventional, FHA, and VA mortgage loan applications
- Performed complete credit analysis on files including appraisal and title review
- Communicated with originator and applicant concerning progress of loan file.
- Proficiently used DU/LP AUS to approve mortgage loans and to then prepare loan for subsequent closing and funding of mortgage loan applications.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
Commercial Loan Administrator II-Private Bank
Bank of America, Credit Services
Saint Louis, MO
01.2000 - 01.2007
- Analyzed client and collateral information to assure loan request met policy standards and compliance requirements
- Prepared closing documentation via LaserPro Lending system
- Conducted self-review of executed loan documents, processed funding requests and input client loan information into automated financial system for booking and funding of loans.
- Provided technical support during onboarding and throughout various stages of pipeline.
- Monitored pipelines to track and log status of loans.
Education
MBA - finance and marketing
Webster University
Webster Groves, MOBachelor of Science - Family Resource Management and Consumer Sciences, financial counseling
Iowa State University
Ames, IASkills
- Debt-To-Income Ratios
- Quality Control Standards
- Customer Interaction
- Credit Reports
- Loan Product Knowledge
- Regulatory Requirements
- Standard Operating Procedure
- Desktop Underwriter
- Residual Incomes
- Complex Problem-Solving
- Appraisal Reports
- Credit analysis
- Risk assessment
- Financial statement analysis
- Credit risk
Timeline
Credit Analyst
TransAdvantage USA
07.2023 - Current
Senior Mortgage Loan Underwriter
Altisource
09.2015 - 09.2022
Senior Consumer Underwriter
Wells Fargo
10.2010 - 10.2013
Consumer Loan Underwriter
Aurora Loan Services
05.2009 - 10.2010
Mortgage Loan Underwriter/Processor
Paramount Mortgage Company
01.2007 - 01.2008
Commercial Loan Administrator II-Private Bank
Bank of America, Credit Services
01.2000 - 01.2007
Bachelor of Science - Family Resource Management and Consumer Sciences, financial counseling
Iowa State University
MBA - finance and marketing
Webster University