Summary
Overview
Work History
Education
Skills
Timeline
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Sonja Williams

1610 Grove Park Pl, Garland,TX

Summary

Seeking a challenging position at a reputable financial institution that allows for further career growth Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

15
15
years of professional experience

Work History

Closing Disclosure Suspense Specialist

Fairway Independent Mortgage
09.2019 - 08.2023
  • Review loans to ensure they closed and funded in adherence to all policies and procedures and are in compliance with regulations
  • Reconcile statements to Closing Disclosures. Work with title companies, settlement agents, closing agent agents and attorney when necessary
  • Work with branch associates or customers to obtain missing documentation and authorization for tolerance cures
  • Disclosed post consummation closing disclosure and tolerance cures as needed
  • Collaborate with other departments to ensure compliance with policies and procedures
  • Ensure copies are maintained in the virtual loan file. Complete data entry on tracking log and/or database

Mortgage Closer

Caliber Home Loans
08.2014 - 09.2019
  • Assist loan officers in processing loans and providing customer service to existing customer
  • Performing a due diligence review verifying proper credit approval has been obtain
  • Approved loan package for funding as instructed by, Lender, Customer and Title Company
  • Verifying all required documentation (pre-underwrite) in the file
  • Review mortgage documents for accuracy and submit files to Loan Servicing and image
  • Review loans for compliance with all mortgage-related regulations
  • Complete the require loan checklist.

Compliance Analyst

Collabera
05.2014 - 08.2014
  • Reviewed audit and monitoring reports related to consumer and client activities.
  • Prepared documentation and records for upcoming audits and inspections.
  • Stayed current with latest changes to applicable regulatory standards and company procedures.
  • Assisted investigation and risk management teams with fraud investigations and risk identification.
  • Enforced compliance with complex state and federal laws, rules and regulations for industry.
  • Identified gaps in existing compliance processes and recommended updates.

Loan Closer

Bank of America
04.2011 - 03.2014
  • Provides support to the Bankers and staff including updating loans data and assembling proper documentation to client loans
  • Ensure that loan files contain proper documentation, signature, and other relevant data
  • Assembles and verifies accuracy of loan documentation
  • Provides customer service by answering phone and written inquiries regarding loan information
  • Participate and completes Sales, Service, and Compliance and product training
  • Provide support to Bankers and Lending department with preparation of loan process, funding process, and credit file maintenance
  • Analytical component related to various loans/ fee accruals, calculations as well as ongoing reconciliation and remediation, and driving the closing process for commercial loan product, which include new loans, modification and extensions

Foreclosure Specialist II

Rose International - Bank of America
01.2010 - 04.2011
  • Reviewed loan and foreclosure documents and verified for accuracy.
  • Gathered information regarding lien payoff amounts, tax data and credit standing.
  • Evaluated foreclosure litigation paperwork, affidavits and post-sale documents.
  • Evaluated and examined files with management prior to foreclose sale date to formulate bidding instructions.
  • Identified and researched any discrepancies in financial documents.
  • Prepared all notices of default as per terms of deed of trust on mortgage.
  • Maintained and updated all portfolios by state given by foreclosure management.

Medical Auditor

Multiplan
05.2008 - 01.2010
  • Processed insurance company denials by auditing patient files, researching procedures, and diagnostic codes to determine proper reimbursement.
  • Located errors and promptly refiled rejected claims.
  • Interacted with physicians and other healthcare staff to ask questions regarding patient services.
  • Communicated with insurance providers to resolve denied claims and resubmitted.
  • Examined patients' insurance coverage, deductibles, insurance carrier payments and remaining balances not covered under policies when applicable.
  • Verified insurance of patients to determine eligibility.
  • Responded to customer concerns and questions on daily basis.

Education

Associate Degree - Real Estate Management

Collin College
McKinney, TX
12.2024

Graduation - Medical Billing Coding

Everest College
10.2007

Diploma - Paralegal

Professional Development Institute
Fort Worth
12.2001

Skills

  • Quality Assurance
  • Data Analysis
  • Regulatory Compliance
  • Income Evaluation
  • Application Review
  • Loan Disbursement
  • Loan Modification
  • Mortgage Loan Processing
  • Lending Software Systems
  • Dedicated Work Ethic
  • Interpersonal Communication
  • Loan Servicing

Timeline

Closing Disclosure Suspense Specialist

Fairway Independent Mortgage
09.2019 - 08.2023

Mortgage Closer

Caliber Home Loans
08.2014 - 09.2019

Compliance Analyst

Collabera
05.2014 - 08.2014

Loan Closer

Bank of America
04.2011 - 03.2014

Foreclosure Specialist II

Rose International - Bank of America
01.2010 - 04.2011

Medical Auditor

Multiplan
05.2008 - 01.2010

Associate Degree - Real Estate Management

Collin College

Graduation - Medical Billing Coding

Everest College

Diploma - Paralegal

Professional Development Institute

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Sonja Williams