Karen Williams
Mesquite,USA
Summary
Detail-oriented professional with 36 years of work experience and a proven knowledge of banking, customer service and account management. Aiming to leverage my abilities to successfully fill the desired position.
Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.
Experienced with managing branch operations and driving team performance to achieve business goals. Utilizes strategic planning and effective leadership to enhance operational efficiency. Track record of fostering strong client relationships and implementing successful financial strategies.
Overview
36
36
years of professional experience
1
1
Certification
Work History
Residential Mortgage Loan Officer
Guaranteed Rate Affinity
07.2025 - 10.2025
- Analyzed client financial data to determine eligibility for mortgage loans.
- Developed strong relationships with clients, providing ongoing support throughout loan process.
- Educated clients on mortgage products and services, ensuring informed decision-making.
- Coordinated documentation collection to facilitate timely loan processing and approval.
- Reviewed loan applications for accuracy and compliance with regulatory requirements.
- Implemented process improvements that streamlined operations and enhanced customer satisfaction.
- Ensured compliance with federal regulations by adhering to established policies during the entire loan lifecycle.
- Facilitated successful loan closings by coordinating all required documentation and collaborating with underwriting teams.
- Conducted comprehensive credit analyses to identify potential issues and offer appropriate solutions for borrowers.
- Consistently met or exceeded sales targets by strategically identifying opportunities for growth within assigned territories.
- Developed strong relationships with borrowers, ensuring timely communication throughout the entire loan process.
- Assisted first-time homebuyers in understanding the mortgage process, enhancing their overall experience.
- Increased loan approvals by efficiently assessing and evaluating borrower financial profiles.
- Streamlined loan application process for faster response times and improved customer satisfaction.
- Managed a pipeline of loans, prioritizing tasks effectively to ensure timely processing and meeting deadlines.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
- Checked loan documents for accuracy prior to closing.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Explained different types of loans pertaining to client situations.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Researched and updated industry knowledge on changing legislation and regulations.
- Maintained in-depth knowledge of mortgage products and guidelines to provide accurate information to clients.
- .Maintained up-to-date records of borrower communications, following strict confidentiality protocols for sensitive data protection.
- Collaborated with real estate agents, appraisers, title companies, and other professionals to expedite loan approval processes.
- Educated borrowers on various financing options available, tailoring recommendations based on individual needs and goals.
RESIDENTIAL MORTGAGE LOAN OFFICER
Texas Dow Employee Credit Union
10.2016 - 07.2025
- Updated credit and loan files.
- Explained to customers different types of loans and credit options that were available, as well as terms of those services.
- Analyzed potential loan markets and developed referral networks to locate prospects for loans.
- Ensured that were complete and accurate according to policy.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
- Handled customer complaints and took appropriate action to resolve them.
- Submitted applications to credit analysts for verification and recommendation.
- Computed payment schedules.
- Approved loans within specified limits and referred loan applications outside those limits to management for approval.
- Stayed abreast of new types of loans, financial services and products to better meet customers' needs.
- Worked with clients to identify financial goals and to find ways of reaching those goals.
- Met with applicants to obtain information for loan applications and to answer questions about process.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Marketed bank products to individuals and firms, promoting bank services meeting customers' needs.
- Conferred with underwriters to resolve mortgage application problems.
- Calculated amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
- Counseled clients on personal and family financial problems related to excessive spending or borrowing of funds.
- Contacted applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
- Evaluated borrower financial profiles to determine eligibility for mortgage products.
- Assisted clients in completing loan applications and gathering necessary documentation.
- Coordinated with underwriters to expedite loan approval processes.
- Educated clients on mortgage options, rates, and terms to facilitate informed decisions.
- Developed relationships with real estate agents to generate referral business opportunities.
- Ensured compliance with regulatory guidelines throughout the loan origination process.
- Conducted follow-ups with clients post-approval to enhance customer satisfaction and retention.
- Streamlined application workflows to improve processing times and enhance overall efficiency.
- Maintained in-depth knowledge of mortgage products and guidelines to provide accurate information to clients.
- .Maintained up-to-date records of borrower communications, following strict confidentiality protocols for sensitive data protection.
- Collaborated with real estate agents, appraisers, title companies, and other professionals to expedite loan approval processes.
- Educated borrowers on various financing options available, tailoring recommendations based on individual needs and goals.
BRANCH MANAGER - LOAN OFFICER-TELLER
TCC Credit Union
07.2003 - 10.2016
- Apprised executive management of branch activities.
- Proposed development activities for remaining competitive.
- Established retail and commercial business through expansion, retention, and development strategies.
- Drove deposit growth by promoting bank products and services to obtain objectives.
- Developed quality loan portfolio to obtain loan growth objectives.
- Communicated and implemented new ideas and strategies to improve sales, marketing, and staff development.
- Oversaw individual accountability for cash handling.
- Managed direct reports to maximize productivity, efficiency, and potential.
- Enforced branch compliance with audit and regulatory procedures.
- Accepted, collected, and reviewed required documents to initiate loan process.
- Maintained high level of employee morale to minimize turnover and maximize customer satisfaction.
- Implemented corporate culture through reinforcement of quality service and teamwork.
- Monitored portfolio to correct loan document exceptions and reduce past dues and charge offs.
- Reviewed employee job performance and contribution during performance appraisal.
- Stayed abreast of products and services, promotions and other company initiatives.
- Established and maintained relationships with individual and business customers and provided assistance with problems these customers may encounter.
- Recruited staff members and oversaw training programs.
- Prepared financial and regulatory reports required by laws, regulations and boards of directors.
- Oversaw flow of cash and financial instruments.
- Directed insurance negotiations, selected insurance brokers or carriers, and placed insurance.
- Established procedures for custody and control of assets, records, loan collateral and securities to ensure safekeeping.
- Submitted delinquent accounts to attorneys and outside agencies for collection.
- Reviewed collection reports determining status of collections and amount of outstanding balances.
- Approved, rejected and coordinated approval and rejection of lines of credit and commercial, real estate and personal loans.
- Examined, evaluated and process loan applications.
- Reviewed reports of securities transactions or price lists to analyze market conditions.
- Found and attracted new business.
- Contributed to fraud detection support, documenting suspicious activity and reporting flagged transactions.
- Supported exceptional customer service with prompt acknowledgment and accurate account services.
- Educated customers on benefits and risks of specific loans and lines of credit.
- Responded to banking inquiries and requests from customers.
- Drafted currency and transaction reports at close of each business day.
- Balanced cash drawer and maintained full accountability for assigned cash on hand.
- Followed procedures for removing accounts for dormancy.
- Processed ATM deposits and reconciled against reports.
- Supported customer confidentiality and security with stringent discretion.
- Guided customers in selecting appropriate financial products for individual needs.
- Followed department policies and completed required paperwork for each transaction.
- Examined checks for endorsements and to verify other information, such as dates, bank names, identification of persons receiving payments and legality of documents.
- Prepared and verified cashier's checks.
- Entered customers' transactions into computers to record transactions and issue computer-generated receipts.
- Counted currency, coins and checks received, by hand and using currency-counting machine, to prepare them for deposit and shipment to branch banks and Federal Reserve Bank.
- Identified transaction mistakes when debits and credits did not balance.
- Received and counted daily inventories of cash, drafts and travelers' checks.
- Monitored bank vaults to ensure cash balances were correct.
- Examined checks to confirm endorsements.
- Monitored bank vaults to verify correct cash balances.
- Computed financial fees, interest and service charges.
- Promoted bank products and services to consistently meet cross-selling goals.
- Balanced currency, coin and checks in cash drawers at ends of shifts.
- Informed customers about foreign currency regulations and computed transaction fees for currency exchanges.
- Processed and maintained records of customer loans.
- Led branch operations, ensuring compliance with regulatory standards and organizational policies.
- Developed and implemented strategic plans to enhance member services and operational efficiency.
MEMBER SPECIALIST
Texas Dow Employee Credit Union
11.2013 - 10.2016
- Drafted currency and transaction reports at close of each business day.
- Balanced cash drawer and maintained full accountability for assigned cash on hand.
- Contributed to fraud detection support, documenting suspicious activity and reporting flagged transactions.
- Assisted management in bank opening and closing procedures.
- Guided customers in selecting appropriate financial products for individual needs.
- Followed procedures for removing accounts for dormancy.
- Achieved referral and cross-selling quotas to support corporate revenue goals.
- Greeted customers with professionalism and friendly and courteous demeanor.
- Adhered to security and regulatory requirements surrounding financial transactions.
- Resolved problems and discrepancies concerning customers' accounts.
- Answered telephones to assist customers with questions and inquiries.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Monitored bank vaults to verify correct cash balances.
- Promoted bank products and services to consistently meet cross-selling goals.
- Verified and post armored car deposits.
- Built sustainable relationships and trust with customer accounts using open and interactive communication.
- Made appropriate account corrections to resolve customer problems.
- Conferred with customers by telephone or in-person to provide product or service information.
- Met deadlines while maintaining high-quality deliverables.
- Explained to customers different types of loans and credit options that were available, as well as terms of those services.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Updated credit and loan files.
- Approved loans within specified limits and referred loan applications outside those limits to management for approval.
- Counseled clients on personal and family financial problems related to excessive spending or borrowing of funds.
- Matched individuals' needs and eligibility with available financial aid programs to provide informed recommendations.
- Calculated amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
- Facilitated member account management and inquiries to enhance customer satisfaction.
- Processed loan applications and conducted thorough reviews for compliance and accuracy.
Education
HIGH SCHOOL DIPLOMA -
Moore High School
Moore, OK05.1980
Skills
- Mortgages and Loans
- Application Reviews
- Credit File Updating
- Credit History Review
- Creative Solutions
- Organizational Strengths
- File Organization
- Prioritizing and Planning
- Payment Schedule Computation
- Cash handling & procedures
- Credit Management
- Mortgage Loan Origination
- Creditworthiness Determination
- Customer Relations
- Retail Mortgages
- Customer Inquiries
- Active Listening and Learning
- Work Prioritization
- Banking Products and Services
- Loan File Maintenance
- Loan Processing Coordination
- Branch operations management
- Customer relationships
- Excellent time management skills
- Attention to detail
- Excellent work ethic
- Relationship building and management
- Client relationship management
- Verbal/written communication
- Decision-making
- Cash handling
- Relationship building
- Team player
- Sales management
- Goals and performance
- Work prioritization
- Sales expertise
- Loan structuring
- Documentation review
- Underwriting guidelines
- Loan origination
- Continuing education
- Rate quoting
- Loan pricing
- Pre-approval process
- Client account management
- Teamwork and collaboration
- Time management
- Problem-solving
- Problem-solving abilities
- Multitasking Abilities
- Reliability
- Customer service-focused
- Team collaboration
- Active listening
- Excellent communication
- Organizational skills
Accomplishments
- Repeatedly received recognition from superiors for excellence in service.
- Repeatedly commended by superiors for excellent customer service.
- Developed prospects for new loans by conducting 40 weekly cold calls.
- Conflict Resolution - Responsible for handling customer account inquiries, accurately providing information to ensure resolution of product/service complaints and customer satisfaction.
- Customer Follow-up - Ensured that customers were satisfied with company products and services by doing purchase follow-up calls.
Certification
NMLS# 1549404
Timeline
Residential Mortgage Loan Officer
Guaranteed Rate Affinity
07.2025 - 10.2025
RESIDENTIAL MORTGAGE LOAN OFFICER
Texas Dow Employee Credit Union
10.2016 - 07.2025
MEMBER SPECIALIST
Texas Dow Employee Credit Union
11.2013 - 10.2016
BRANCH MANAGER - LOAN OFFICER-TELLER
TCC Credit Union
07.2003 - 10.2016
HIGH SCHOOL DIPLOMA -
Moore High School