Cornelius Williams Email & Phone Number

Minneapolis, Minnesota, United States

• Provide exceptional loan services to customers while ensuring quality and efficient loans• Create and implement processes to close Conventional Mortgage loans in a timely and effective manner• Identify, research, and recommend solutions for credit or other loan issues

Greater Minneapolis-St. Paul Area

600 S. 4Th Street

• Conduct mortgage loan audits according to the guidelines/timelines established by Fortace and it clients Re-underwrite loans to determine origination underwriting deficiencies against original Investor or MI guidelines. • Enter all necessary data into the findings database, so that findings may be pursued, continuous analysis may be performed and client reports delivered.• Maintain quality control and volume standards. Perform other related duties or projects as assigned by supervisor.

St Paul, Mn

Review all documentation contained within a mortgage file to ensure compliance with applicable federal, state and agency guidelines. • Identify areas of possible misrepresentation and report suspected “red flags” to their immediate Supervisor for further investigation and/or reverification. • Verify that all applicable underwriting requirements of the client and/or investor have been met.• Review automated underwriting reports to ensure data input was accurate and that required documentation was obtained.• Identify applicable documents to be reverified with third parties.• Using proper language and grammar, clearly describe in writing the relevant circumstances found within the loan file in the form of exceptions, observations and as part of the overall credit risk analysis (CRA).

• Reviewed and adjusted 120 /150 collection portfolios reducing delinquent problem loans in a timely manner per company and investor guidelines. • Monitored adherence to terms of agreement; corresponded with customers; skip tracing; restructured renovation projects. • Negotiated problem resolution between builder, customer, sales and operations. Utilized investigative skills to bring files to resolution. • Reviewed past due maturity renovation loans by analyzing monthly Excel reports on builder performance and borrower statistics.• Settled disputes between borrowers and builders with resolution agreements to ensure projects would be completed.• Recognized and promoted to Loan Adjustor Specialist position helping Loan adjustor 2 resolve and investigate delays in renovation project.

Reviewed and adjusted 120 /150 collection portfolios reducing delinquent problem loans in a timely manner per company and investor guidelines. Monitored adherence to terms of agreement; corresponded with customers; skip tracing; restructured renovation projects. Negotiated problem resolution between builder, customer, sales and operations. Utilized investigative skills to bring files to resolution. Reviewed past due maturity renovation loans by analyzing monthly Excel reports on builder performance and borrower statistics.Settled disputes between borrowers and builders with resolution agreements to ensure projects would be completed.Recognized and promoted to Loan Adjustor Specialist position helping Loan adjustor 2 resolve and investigate delays in renovation project.

Collector 1 Contacted delinquent parties via phone and/or written correspondence by reviewing past due reports.Interacted with internal and external customers to provide excellent and timely customer service. Utilized problem solving skills with customers to find solutions to avoid foreclosure and negotiated workout options to cure default. Took customer financial information to resolve the delinquencies' by offering loss mitigation products such as loan modification, loan moratorium and repayment plans. Assisted in handling workout options and recommended repayment plan, loss mitigation and loan modification product with other departments.

Recruited by AMEK Financial to start-up back office function for mortgage service business. Created and implemented processes to close Conventional Mortgage loans in a timely and effective manner. Provided exceptional loan services to customers while ensuring quality and efficient loan services. Identified, researched, and recommended solutions for credit or other loan issues.Trained staff of ten people on how to be effective loan officers and processors.Implemented and worked with various systems (Genesis 2000, Calay Point 2000, DO, DU, and LP.)

Loan Closer Prepared FHA, VA and Conventional mortgage documents for closing. Worked closely with outside title companies and loan officers to ensure documents were prepared correctly for signature. Monitored closed loans to ensure compliance with internal and external industry standards .Proactive on submitting recommendations for improving efficiency for closing and post-closing processes.

Education record

Education record