Janice Williams Email & Phone Number

Baltimore, Md, Us

Washington Dc-Baltimore Area

Maryland Region

Provide direct technical assistance to the Maryland assessment area with CDCs and other intermediaries for community development project, programs, and other related economic development activities in the Maryland market. Act as bank liaison for Community Reinvestment Act (CRA) / Community Development purposes, affordable housing projects and economic development issues.

Hunt Valley, Maryland

CRA and Community DevelopmentEstablished external and internal business relationships for CRA and Fair Lending compliance through involvement with non-profit organizations, CDCs, CDFIs, and community based groups that support community reinvestment within underserved communities. Supported affordable lending initiatives for maximum performance and sustainable results within the bank’s assessment areas.• Developed strategic relationships with organizations located in LMI census tracts, and leverage partnerships for home mortgages, small business and community development lending opportunities. • Ensured compliance with Fair Lending & CRA initiatives, and communicate quarterly performance results to the mortgage division and regional executives. • Assisted in the recruitment of CRA Residential Mortgage Bankers, and ensures successful on-boarding and retention procedures are in place. • Provided CRA training and compliance updates to regional sales staffs: mortgage division, small business and commercial real estate departments. • Created a Community Development Lending “CRA Checklist” for the commercial real estate managers and business banking relationship managers. • Reviewed and made recommendation for CRA grants and sponsorship requests. • Analyzed CRA and HMDA data and develop successful strategies and action plans for performance improvement on an on-going basis.

Captured internal and external business opportunities utilizing the skills of 49 Workforce Development employees who reside in a Historically Underutilized Business Zone (HUB Zone). Streamlined procedures for optimal proficiency and performance, which increased employee retention.• Developed a performance improvement plan that provided measurement tools for sustainable growth and success.• Created a professional skills assessment questionnaire and produced a business service model based on the employees’ skill sets and evaluations.• Increased revenue and billable hours for the company by capturing temporary and project-based professional services business opportunities.• Introduced a computer training laboratory and developed policies and guidelines for its usage, and launched an IT internship program. • Coordinated training classes such as, Business Etiquette and Professionalism and Résumé Writing and Interviewing, which promoted workforce readiness.

Washington, Dc / Baltimore Metro

Served on affordable housing related boards and committees that advocate for the housing needs of low to moderate income consumers and first-time home buyers.• Provided technical support, such as marketing, community development and community outreach to a community development corporation in northwest Baltimore. • Conducted financial literacy workshops for first-time home buyers and low to moderate income consumers. • Attended community lending seminars, leadership conferences and workshops for networking and career development opportunities.• Volunteered with a local non-profit organization’s outreach efforts, such as the food pantry and homeless shelter ministries. • Attended affinity group meetings and informational symposia for networking opportunities.

Developed strategic and business plans which enhanced and increased the purchase production and penetration rates by 30% for multicultural market segments (African American, Hispanic and Asian).• Established and monitored purchase production goals and provided monthly trend analysis reports for the regional, divisional and national management teams. Identified performance gaps and provided sound and prudent recommendations. • Reviewed and analyzed relevant data and reports, and elevated significant findings to senior management through appropriate reporting systems. Utilized research and market intelligence. • Partnered with the Strategic Products/Affordable Lending Division to assist in developing products and programs for multicultural market segments and low to moderate income consumers, such as closing costs assistance programs and revenue bond programs. • Worked in partnership with the Government and Community Affairs department on Affordable Lending and Public Policy programs and initiatives.• Advised senior management of internal and external factors that could affect lending policies, pricing and product development. • Managed all affordable lending projects, and coordinated efforts with the appropriate business units. Served as the subject matter expert on all affordable lending programs and initiatives.

Baltimore, Maryland Area

Managed the marketing and operating budgets in accordance with projected return on investments (ROI). Created annual strategic plans to address the lending needs of low to moderate income (LMI) consumers and first-time home buyers within the bank’s assessment areas.• Designed a CRA first mortgage product utilizing the bank’s closing costs and downpayment assistance program. • Recruited and managed Community Lending Officers. Provided training on how to successfully market to real estate agents, community based groups, housing developers/builders and non-profit organizations. • Maintained a concise and descriptive community outreach reporting system for Community Reinvestment Act (CRA) compliance requirements.• Leveraged strategic business relationships with realtor trade associations, government entities, GSEs, HFAs, non-profit organizations, housing developers, and community based organizations for community and economic development opportunities.

Bachelor'S, Psychology

Activities and Societies: Alpha Kappa Alpha Sorority

Diploma, Executive Banking

Graduate Sudies - Psychology

Education record