Ruth Williams
Fayetteville,NC
Summary
Dynamic commercial broker with a proven track record in securing both conventional and SBA financing, leveraging an entrepreneurial and consultative approach to foster client relationships. Expertise in mortgage lending across commercial and residential sectors enables the delivery of customized funding solutions that meet diverse client needs. Demonstrated success in generating and nurturing client partnerships ensures satisfaction and promotes long-term collaboration. In-depth knowledge of private and commercial credit structures provides a comprehensive understanding of the financial landscape, positioning clients for success in their ventures.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Officer
Texan Bank
01.2024 - Current
- Works within specified limits to approve loans for mortgage customers and refer loan applications outside those limits to senior management/loan committee for approval.
- Meets mortgage loan operational standards by contributing mortgage loan information to strategic plans and reviews; implements production, productivity, quality, and customer service standards; and resolves problems as needed.
- Attracts new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective customers.
- Prequalifies mortgage loans by examining application and supporting documentation; estimating credit-worthiness; and calculating repayment risk.
- Completes mortgage loans by monitoring collection, verification, and preparation of mortgage loan documentation; schedules and completes mortgage loan closing.
- Updates job knowledge by participating in educational opportunities; reading professional publications, maintaining personal networks; and participating in professional organizations.
- Attends various networking events to expand business contacts and channels; work with other mortgage loan officers to contact individuals, realtors, and builders.
- Maintains up-to-date knowledge of FHA, VA or conventional loan rules, regulations, and guidelines through a combination of educational classes, correspondence courses on the job training, and webinars/seminars.
- Protects the bank's image by keeping mortgage loan information confidential.
- Performs other duties as assigned
COMMERCIAL BROKER
Business Solutions Financial Consultants LLC
07.2017 - Current
- Develop and manage relationships with business clients.
- Partner with local community banks, lenders, and attorneys by building relationships.
- Experience advising clients on funding solutions..
- Facilitate all communication between clients and lenders.
- Prospect and Market Company through referrals, personal relationships, networking, and social media.
- Support underwriting teams with client financial insights.
- Represent the firm in business development initiatives.
- Generated new business leads by creating targeted marketing materials tailored to specific client segments within the commercial brokerage space.
- Managed complex transactions from start to finish, ensuring a smooth process for all parties involved.
- Collaborated with legal counsel throughout transaction lifecycle to ensure proper documentation was prepared and executed according to applicable laws and contractual obligations.
- After closing, assist with follow-through between clients and lenders, leading to clients opening, checking, and saving accounts, and other bank products.
ACCOUNT MANAGER
The Blood Connection
11.2022 - 01.2024
- Plan and execute effective strategies to recruit, retain, and manage sponsor group organizations and relationships to achieve territory blood collection goals.
- Establish blood drive projections in line with divisional resources and needs.
- Develop potential sponsor leads.
- Strategize recruitment tactics well in advance of blood drive date and adhere to drive planning best practices.
- Holds external stakeholders responsible for helping to achieve drive goals.
- Effectively communicate with donor chairpersons and donor groups pre-, during, and post-drive event.
- Implements all TBC marketing programs.
- Exhibits teamwork within the division to help ensure divisional goal is met.
- Establish a committee to recruit donors and volunteer at drive.
- Coordinate meetings and presentations within sponsor groups to teach donor recruitment techniques and encourage importance of each account hitting goal.
- Encourage creativity and successful campaigns to increase donor participation.
- Provide superior customer service to blood donors, blood donor groups, internal and external customers.
- Educate the community by attending health fairs and community/marketing events and giving presentation to spread the mission of The Blood Connection.
BUSINESS DEVELOPMENT ACCOUNT EXECUTIVE
Hightide Settlement Services
06.2019 - 07.2021
- Developed and maintained strong client relationships to drive business growth.
- Identified and pursued new business opportunities in competitive markets.
- Conducted market research to inform strategic decision-making and identify trends.
- Created tailored presentations and proposals addressing client needs and objectives.
- Mentored junior staff on best practices for account management and client engagement.
- Expanded client base by identifying and pursuing new business opportunities.
- Leveraged CRM tools effectively to manage pipeline activity efficiently, enabling accurate forecasting of future revenue streams.
- Participated in industry conferences, trade shows, and other events to stay informed of the latest trends and best practices in business development.
- Developed strategic partnerships with key industry influencers to enhance brand awareness.
- Generated leads for new business development through networking events and social media channels.
DIRECTOR OF COMMUNICAITONS
Longleaf Pine REALTORS
08.2018 - 11.2019
- Serves as the front line contact for the association.
- Cultivate and maintain contacts in various media outlets.
- Provide internal information to 1800 members of association, regarding changes in the company or other helpful information.
- Strive to communicate association mission and goals to the general public.
- Write and distribute press releases.
- Contribute to the company website and help maintain.
- Maintain and grow current affiliate relationships.
- Manage yearly projects.
- Attend association members monthly sales meetings, inform members of current topics of association important.
- Develop relationships with the chambers, non – profits, associations and organizations.
- Attend social events after hours to represent the company.
- Work collaboratively with all constituent groups, including staff, Board of Directors, volunteers, and other stakeholders.
- Establish and maintain a positive working relationship with committees as liaison for communications and public relations.
MORTGAGE LOAN OFFICER
PNC Bank
04.2018 - 08.2018
- Facilitated mortgage loan origination processes, ensuring compliance with regulatory standards.
- Evaluated borrower creditworthiness through thorough analysis of financial documents and credit reports.
- Developed tailored mortgage solutions based on individual client needs and financial situations.
- Collaborated with real estate agents to facilitate seamless transactions between buyers and lenders.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Increased loan approval rates by efficiently managing pipeline and maintaining strong relationships with borrowers, realtors, and underwriters.
- Developed and implemented marketing campaigns to generate new business opportunities.
MARKETING SPECIALIST
Tiago National Title LLC
01.2016 - 04.2018
- Develop marketing strategies to brand, promote company services and expand footprint to take over market share.
- Effectively market all company title and attorney services via cold calls, referrals, appointment setting, and networking.
- Design and implement all marketing material to adhere to brand guidelines.
- Monitor monthly service goals and set revenue expectations for growth.
- Re-Brand solutions with new marketing strategy and materials, highlighting competitive advantages and value proposition for partners and customers.
- Partner and support REALTOR and mortgage lenders clients, conducting monthly lunch and learns, open houses, advertisement, and Homebuyers workshops in Fayetteville and the surrounding counties.
- Mentor staff to ensure high level of customer service and customer satisfaction exists with each client.
Home Mortgage Consultant
Wells Fargo
Fayetteville, NC
09.2014 - 01.2017
- Advised clients on mortgage options, evaluating financial situations to recommend suitable products.
- Facilitated loan applications by gathering necessary documentation and conducting thorough reviews for accuracy.
- Collaborated with underwriting teams to ensure timely processing and adherence to regulatory requirements.
- Developed tailored mortgage solutions by analyzing market trends and client needs, enhancing customer satisfaction.
Mortgage Banker
First Citizens Bank
Fayetteville, NC
04.2013 - 09.2014
- Managed mortgage applications from submission to closing, ensuring compliance with lending regulations.
- Streamlined loan processing workflows, enhancing efficiency and reducing turnaround times.
- Evaluated borrower creditworthiness through detailed analysis of financial documentation and credit reports.
- Guided clients through mortgage options, providing tailored solutions to meet individual needs.
Education
Certificate - Retail Sales Management
Career Development Institute
Meridian05-1983
Skills
- New business development
- Relationship building
- Customer satisfaction
- Revenue generation
- Goals and performance
- Business development
- Customer relationship management
- Pipeline management
Affiliations
Longleaf Pines Realtors
Greater Fayetteville Chamber
Mortgage Bankers Association
Relevant Accomplishments
- Customer Service Loyalty scores, Consistently above company averages
- Outstanding Customer Loyalty Award
- Top Producer Award
- 100% Customer Service Award
- AIM Award
- Customer Service Excellence Award
Timeline
Mortgage Loan Officer
Texan Bank
01.2024 - Current
ACCOUNT MANAGER
The Blood Connection
11.2022 - 01.2024
BUSINESS DEVELOPMENT ACCOUNT EXECUTIVE
Hightide Settlement Services
06.2019 - 07.2021
DIRECTOR OF COMMUNICAITONS
Longleaf Pine REALTORS
08.2018 - 11.2019
MORTGAGE LOAN OFFICER
PNC Bank
04.2018 - 08.2018
COMMERCIAL BROKER
Business Solutions Financial Consultants LLC
07.2017 - Current
MARKETING SPECIALIST
Tiago National Title LLC
01.2016 - 04.2018
Home Mortgage Consultant
Wells Fargo
09.2014 - 01.2017
Mortgage Banker
First Citizens Bank
04.2013 - 09.2014
Certificate - Retail Sales Management
Career Development Institute