SONJA WILLIAMS
Garland
Summary
Detail-oriented and highly skilled Document Administrator with extensive experience in preparing, reviewing, and managing complex loan documentation in compliance with bank policies. Proven ability to ensure lien perfection, support loan closings, and coordinate with internal teams, legal counsel, and external vendors to deliver accurate and timely documentation. Adept at leading due diligence, identifying discrepancies, and streamlining workflows to support financial booking and initial loan funding. Strong collaborator with a focus on quality assurance and operational efficiency in high-volume, deadline-driven environments.
Overview
15
15
years of professional experience
Work History
AML Refresh Ops - Ops Sr. Analyst MKTS
Bank of America
12.2023 - Current
- Conducting client due diligence (CDD) and enhanced due diligence (ECDD) in accordance with internal policies, procedures, and regulatory guidelines.
- Review of refresh requirements for assigned jurisdiction in line with related Client Identification Profile (CIP)/CDD Procedure to ensure adequacy and accuracy before the requirement are sent to the client.
- Liaise with sales/client outreach teams to obtain and validate correct documentation to fulfill refresh requirements
- Ensure all jurisdictions regulatory requirement related to KYC are adhered to.
- Support business with KYC related queries and requests.
- Perform research and conduct moderately complex analyses using established techniques, including transaction required special handling and exceptional handling.
- Partner with colleagues on trade and sales support teams, as well as external agents.
- Maintain accuracy of client portfolio using internal and external comparison tools
- Escalates potential risks and exposure to manager in a timely manner.
Compliance Analyst
Fairway Independent Mortgage
09.2019 - 08.2023
- Conduct post-closing/ purchase review to validate adherence to applicable laws, regulations, and investor standards.
- Identify and escalate compliance and operational risks to the appropriate line of business teams and recommend corrective actions.
- Collaborate with cross-functional teams, including underwriting, processing, and quality control, to resolve deficiencies or discrepancies in loan files.
- Prepare reports summarizing review findings, risk assessments, and recommendation for process improvement.
Mortgage Loan Closer
Caliber Home Loans
08.2014 - 09.2019
- Manage an assigned pipeline of 35-50 plus lons on daily and weekly basis.
- Assist with any Pre Fund QC request through completion
- Preparing Closing Documents, including the balancing the Initial Final Closing Disclosure.
- Maintain open lines of communication with all parties to obtain loan status information.
- Review all files for completeness and accuracy to ensure compliance with underwriting, government, and investor and company requirements.
Loan Closer
Bank of America
01.2010 - 03.2014
- Review documents for accuracy, timely delivery, and necessary research to ensure documentation reflect the appropriate transaction information.
- Review loan documentation against the formal credit approval and ensuring document comply with current bank, federal and state policies as well as legal standards and system functionality.
- Collect, review, and analyze due diligence required loans, including but not limited to, entity documentation, UCC searches, flood determinations, appraisal, environmental reports,insurance, title, survey, and all required documentation based on collateral type.
- Establish and maintain effective relationship with customers, business partners and team member to ensure an exceptional client experience.
Education
Associate of Applied Science - Real Estate Managment
Collin County Community College
Plano, TX12-2025
Skills
- Attention to Detail
- Business Acumen
- Customer and Client Focus
- Due Diligence
- Prioritization
- Adaptability
- Data Collection and Entry
- Oral Communications
- Research
- Written Communications
Timeline
AML Refresh Ops - Ops Sr. Analyst MKTS
Bank of America
12.2023 - Current
Compliance Analyst
Fairway Independent Mortgage
09.2019 - 08.2023
Mortgage Loan Closer
Caliber Home Loans
08.2014 - 09.2019
Loan Closer
Bank of America
01.2010 - 03.2014
Associate of Applied Science - Real Estate Managment
Collin County Community College
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