Ryan Williams
Indianola,IA
Summary
Detail-oriented with over 10 years of experience. Committed to accuracy and financial success. Thorough and detail-oriented Loan Officer brings proven expertise in evaluating packages with balanced approach encompassing both risk mitigation and profit goals. Excels at marketing products and developing referral networks to sustain customer base. Experience and expertise in underwriting. Strong statistical analysis, quoting and negotiating skills.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Vice President of Operations
Green State Credit Union
07.2023 - Current
- Applied excellent problem-solving, process development, and strategic implementation skills to lead and support all areas of operations.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Identified opportunities to improve business process flows and productivity.
- Increased company profits through performance optimization strategies and efficiency improvements.
- Supported Executive Team in reviewing, identifying and prioritizing strategic initiatives.
- Strategically coordinated operations according to objectives and capabilities, effectively allocating resources to meet demands
Senior Mortgage Loan Officer
Pnc Financial Services Group Inc
03.2022 - 07.2023
- Identified lending risks and implemented strategies to reduce loan defaults
- Gathered client debt, credit and income information to determine loan eligibility
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information
- Analyzed new markets and developed referral networks to locate new loan prospects
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
Mortgage Loan Officer
Wells Fargo & Company
01.2019 - 03.2022
- Verified client financial information to determine creditworthiness and loan eligibility
- Stayed abreast of lending regulations, industry trends and market rates
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses
- Reviewed client documentation and contracts for discrepancies and mistakes
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Mortgage Loan Officer
MidWest One Bank
03.2018 - 01.2019
- Leveraged customers' history, industry and demographic information to calculate renewal rates
- Worked alongside internal department to cross-sell company's offerings
- Used data analytics and pricing tools to price policies and identify actionable insights for customers
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability
- Gathered and analyzed information to determine risk acceptability
- Followed underwriting guidelines in developing rates for new and renewal groups
- Inspected financial statements, credit information and title data to complete underwriting process.
Account Executive
Green State Credit Union
01.2015 - 03.2018
- Maintained updated knowledge of changing industry, standards and trends related to accounts
- Created new revenue streams by increasing market coverage while driving company profits
- Utilized CRM to collect, organize and manage sales data and customer information
- Collaborated with key decision makers to identify opportunities and develop ideas to deliver sales results
- Created strategic financial solutions to suit individualized client needs
- Partnered with loan and mortgage officers and financial advisors to provide clients with optimal financial solutions
- Underwrote, managed and serviced profitable book of business.
Education
Associate of Science - Business Administration
Kirkwood Community College
Iowa City, IASkills
- Revenue Generation
- Motivational Leadership
- Cost Analysis and Savings
- Operational Leadership
- Strategic Planning
- Operational Efficiency
- Leadership Training
- Employee Performance Reviews
- Performance Optimization Strategies
- Purchasing and Planning
- Financial Controls Implementation
- Strategy Development
Certification
Market Research and Analysis Income Evaluation
Key Account Generation Automated Underwriting System (AUS)
Creditworthiness Determination Certified Mortgage Loan Originator
Certifications and Licenses
MLO
Timeline
Vice President of Operations
Green State Credit Union
07.2023 - Current
Senior Mortgage Loan Officer
Pnc Financial Services Group Inc
03.2022 - 07.2023
Mortgage Loan Officer
Wells Fargo & Company
01.2019 - 03.2022
Mortgage Loan Officer
MidWest One Bank
03.2018 - 01.2019
Account Executive
Green State Credit Union
01.2015 - 03.2018
Associate of Science - Business Administration
Kirkwood Community College
Market Research and Analysis Income Evaluation
Key Account Generation Automated Underwriting System (AUS)
Creditworthiness Determination Certified Mortgage Loan Originator
Certifications and Licenses
MLO
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