KIMBERLY L. WILLIAMS
Atlanta
Summary
Accomplished mortgage underwriter with over 15 years of experience analyzing credit, income and property appraisals for conventional residential mortgage loans. Expertise in identifying risks such as fraud, AML/BSA, inaccuracies in appraisals and other concerns to ensure a sound underwriting decision. Known for accuracy, attention to detail and work ethic with a reputation of meeting all performance metrics while working within tight deadline requirements. Proven track record in bringing positive results in the financial industry to all involved.
Knowledgeable Senior Mortgage Underwriter with solid foundation in specialized tasks and track record of delivering results through targeted initiatives. Proven ability to implement effective strategies that enhance operational efficiency and support team objectives. Demonstrated proficiency in problem-solving and project management.
Overview
15
15
years of professional experience
Work History
Underwriting Standards Specialist II
Fannie Mae
07.2021 - 10.2025
- Analyzed financial data and underwriting guidelines for accurate decision-making.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Conducted thorough risk assessments to identify potential areas of non-compliance and recommended corrective actions.
- Supported team by pitching in to complete special projects.
- Performed quality control reviews of all loan packages to check adherence with federal and state regulatory requirements.
- Confirmed data and licensing information through investigations and notified violators of required changes to bring operations into compliance.
Mortgage Underwriter
CLAYTON/COVIUS SERVICES, LLC
09.2019 - 05.2021
- Prioritizes workflow in order to minimize turn time, while managing multiple projects.
- Examines income, assets and credit documentation for accuracy and completeness.
- Reviews property appraisals for accurate property valuation.
- Effectively calculates qualifying ratios and determines creditworthiness.
- Evaluated loan applications for compliance with underwriting guidelines and risk assessment criteria.
Mortgage Underwriter – Perm
RADIAN CLAYTON SERVICES
10.2016 - 11.2018
- Reviewed loans and issued an underwriting decision in compliance with the relevant agency/investor.
- Conducted customer reviews to identify potentially suspicious activity.
- Manually reviewed loans outside of Automated Underwriting parameters.
- Performed reviews utilizing internal and third-party research tools.
- Provided timely responses for loan decisions and condition submissions meeting client satisfaction requirements.
- Selected to provide backup to the contract division (Clayton Holdings) in recognition of superior knowledge of back end underwriting and system experience.
- Acted as an adviser to the investor throughout the loan process to ensure closing deadlines and investor guidelines were met.
- Reviewed appraisals to ensure that loans met secondary market, investor, and company standards.
Due Diligence Underwriter/Compliance Specialist - Contract
CLAYTON HOLDINGS, LLC / RADIAN CLAYTON SERVICES
04.2016 - 10.2016
- Analyzed financial and credit data to make credit decisions.
- Developed proficiency with DU/LP and industry utilized systems.
- Performed due diligence underwriting, fraud review, portfolio analysis and compliance review.
- Recognized for the ability to successfully multi-tasking between multiple projects: Risk Share, Compliance, Credit, Underwriting.
- Ensured compliance with BSA/AML related laws and regulations, escalated any non-compliance issues for resolution.
- Identified compliance issues and documents findings to ensure all required documentation was provided.
Credit Risk Specialist II
ANGEL OAK HOME LOANS, LLC
08.2015 - 12.2015
- Underwrote residential loans, analyzing all credit, income, assets and collateral.
- Communicated with loan originator, processor and closing department.
- Ensured all investor requirements and program guidelines are met.
- Underwrote Conventional and Portfolio Select products.
- Analyzed appraisal to ensure value accuracy; verified property details.
- Earned a reputation for saving files by providing counsel to the client on how to restructure deals to ensure that loans were able to be underwritten.
- Due diligence reviews conducted in order to identify potentially higher risk customers.
Mortgage Underwriter
FANNIE MAE
02.2012 - 03.2015
- Evaluated newly originated residential home loans for compliance with current regulations.
- Analyzed consumer credit and all income types/documentation for loan eligibility.
- Assessed real estate appraisals for valuation.
- Within nine months of start date, was hired into a fulltime role from a contract position in recognition of superior performance.
- Calculated debt ratios and program restrictions to ensure compliance with lender, federal and state regulations.
- Using analysis and attention to detail, ensured that loans met lender/investor guidelines and regulations.
Senior Underwriter
JPMORGAN CHASE
09.2010 - 02.2012
- Maintained current knowledge of state and federal regulatory requirements in Government, Agency and Jumbo levels of mortgage underwriting.
- Performed for underwriting Bank Owned & Private Investors.
- Underwrote complex files including multi-property portfolio’s for Real Estate Investors, high balanced, & Mediation files.
- Analyzed delinquency and performed escrow analysis to determine mortgage modification proposal action.
Education
Bachelor of Art - Business Administration
Morris Brown College
Atlanta, GASkills
- Data analysis and appraisal
- Credit risk analysis
- Fraud detection analysis
- Comprehensive auditing and underwriting
- Encompass, OBOL, MI ONLY, EClass, QAS2
- Frontline and backend loan management
- Knowledge of mortgage finance systems
- Regulatory adherence
- BSA/AML compliance review
Languages
English
Timeline
Underwriting Standards Specialist II
Fannie Mae
07.2021 - 10.2025
Mortgage Underwriter
CLAYTON/COVIUS SERVICES, LLC
09.2019 - 05.2021
Mortgage Underwriter – Perm
RADIAN CLAYTON SERVICES
10.2016 - 11.2018
Due Diligence Underwriter/Compliance Specialist - Contract
CLAYTON HOLDINGS, LLC / RADIAN CLAYTON SERVICES
04.2016 - 10.2016
Credit Risk Specialist II
ANGEL OAK HOME LOANS, LLC
08.2015 - 12.2015
Mortgage Underwriter
FANNIE MAE
02.2012 - 03.2015
Senior Underwriter
JPMORGAN CHASE
09.2010 - 02.2012
Bachelor of Art - Business Administration
Morris Brown College