Kerra Williams-Kelly
Marlton,NJ
Summary
With over 21 years of experience in the real estate and mortgage industry, I have successfully closed over $100 million in sales volume. Specializing in conventional, FHA, and VA loan products as a loan processor and underwriter, my leadership and operational excellence shine through. Licensed to sell real estate for over a decade, I maintain strong relationships with clients, real estate professionals, and title agencies. Whether it's residential, commercial, or leasing, my excellent communication skills and adaptability make me a valuable asset in any work environment. Trusted NJ notary ready to deliver exceptional results!
Overview
12
12
years of professional experience
1
1
Certification
Work History
Broker Associate
Tesla Realty Group, LLC
04.2019 - Current
- Built lasting relationships with clients through trustworthiness, professionalism, and genuine interest in their success.
- Collaborated with other real estate professionals to expand network and referral opportunities, boosting overall business growth.
- Conducted comprehensive market analysis to accurately price properties and attract potential buyers.
- Managed multiple property transactions simultaneously while maintaining excellent organization and communication skills.
Human Resources Associate
RollWell, INC
08.2021 - 05.2025
- Enhanced employee retention by implementing effective onboarding processes and conducting regular follow-up meetings.
- Assisted in maintaining compliance with labor laws, reducing potential risks of fines or lawsuits against the company.
- Reduced time spent on repetitive tasks through automation of HR processes, allowing more focus on strategic initiatives.
- Handled sensitive information discreetly while maintaining confidentiality and trust amongst employees.
- Gather personnel records from employees
- Conduct Interviews with qualified candidates
- Managed benefits administration, ensuring timely enrollment and accurate record-keeping for all employees. Enhanced employee retention by implementing effective onboarding processes
Product Manager
Key Investment Management
07.2020 - 12.2024
- Review loan files in accordance to specific guidelines, Effectively communicate with borrowers and all other parties regarding loan conditions and follow up on loan approval for clear to close Follow guidelines on TRID and ensure documents are properly disclosed
- Verify Homeowners Insurance/Order Credit Supplements, mortgage insurance requirements
- Analyze Income Earning Statement W2's, Tax Returns
- Review CAIVRS, AUS, GUS findings
- Verify Employment History | Credit history
- Inputting Conditions Ensuring Accuracy and completeness
- Evaluated approvals against established bank and government lending standards
- Set up and completed loan submission to the Underwriter
- Coordinated closing process with attorneys, title companies
- Reviewed financial statements and contacted institutions and customers to clarify details
- Interviewed clients regarding loan needs and financial histories and conveyed info regarding application processes
- Upheld complete confidentiality of all submitted information according to release guidelines
- Provide Loan Status and conditions to Borrowers and any parties involved with transaction
- Developed strong relations with company associates, reducing turnover by 100% within 30 days
- Developed product documentation to communicate upcoming features and products to internal teams.
Senior Loan Processor
Freedom Mortgage Corporation
12.2017 - 06.2020
- Assessed customer account histories to determine previous compliance with repayment and loan terms
- Reviewed and validated details of loan applications and closing documentation
- Verified credit histories, personal references and employment backgrounds for each applicant
- Submitted completed loan applications In accordance with FHA, VA and Conventional Underwriting; made approval or denial recommendations
- Conducted Pre-funding and funding activities for over 40 Loan Applications In accordance with loan goals
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Consulted with third party vendors, such as Title Companies, HOI Agents, Financial Institutions to complete loan transactions
- Analyzed Borrower Income, Credit, Assets Verification of employment
- Review Sales contracts on Purchase Loan transactions
- Complete Loan requirements for Closing Disclosures disclose fees and complete packages
Conventional Loan Underwriter
PHH Mortgage Corporation
02.2013 - 02.2017
- Participated in ongoing professional development opportunities to stay current on best practices within the industry.
- Provided exceptional customer service throughout the loan origination process, addressing inquiries and concerns promptly.
- Managed a diverse portfolio of mortgage loans, maintaining strict attention to detail when reviewing applications for accuracy and completeness.
- Conducted regular audits of approved loans to ensure adherence to established guidelines and identify areas for improvement.
- Minimized losses by identifying potential risks in the early stages of the loan application process.
- Assisted in the implementation of new technology solutions designed to streamline workflow processes for faster decision-making capabilities across the organization''s underwriting department.
Education
Business Finance
Montclair State University
Skills
- Income Calculation Credit Specialist Asset Analysis
- Excellent Written and Verbal Communication
- Organization Skills High Volume Production Specialist
- Purchase Refinance Specialist
- Fannie & Freddie Guidelines DU and LP
- Leadership Skills Conflict Resolution Problem Solver
- Computer proficiency Word Excel Mortgage Software Systems
- Teamwork and collaboration
Accomplishments
Best Realtor Award 2021 | 2023 | 2024
Certification
Licensed Real Estate Broker | NJ Notary | Mortgage Loan Processing Certificate | Lean Six Sigma Certification
Timeline
Human Resources Associate
RollWell, INC
08.2021 - 05.2025
Product Manager
Key Investment Management
07.2020 - 12.2024
Broker Associate
Tesla Realty Group, LLC
04.2019 - Current
Senior Loan Processor
Freedom Mortgage Corporation
12.2017 - 06.2020
Conventional Loan Underwriter
PHH Mortgage Corporation
02.2013 - 02.2017
Business Finance
Montclair State University
Similar Profiles
Lauren Hynson-jonesLauren Hynson-jones
Realtor at Tesla Realty GroupRealtor at Tesla Realty Group
Beverly AdairBeverly Adair
Residential and Commercial Realtor at ARC Realty And Cantebury Realty Group, LLCResidential and Commercial Realtor at ARC Realty And Cantebury Realty Group, LLC
Joi Morgason OylerJoi Morgason Oyler
Licensed Realtor/ Lawn Care Business Owner at Premium Realty Group LLC / Lawns R Us LLCLicensed Realtor/ Lawn Care Business Owner at Premium Realty Group LLC / Lawns R Us LLC
Carley HainesCarley Haines
Retail Manager/ First Assistant at South Moon UnderRetail Manager/ First Assistant at South Moon Under
Stephanie Sheehan, MBAStephanie Sheehan, MBA
HR Generalist at NEMR Total HRHR Generalist at NEMR Total HR