1. Continued…
CONSULA WILLIAMS
1110 E. Philadelphia Ave., #8206, CA., 91761
consula_williams@hotmail.com  909-631-1685
SUMMARY OF QUALIFICATIONS
 21 years’ experience in the Mortgage industry
 19 years processing experience
 12 years closing experience
 15 years DU and LP experience
 13 years FHA experience
 4 years underwriting experience
 Knowledge, training and experience in current Dodd Frank underwriting guidelines, policy and
procedures.
 Knowledge, training and experience in the Home Affordable Refinance Program (HARP)
underwriting guidelines, policy and procedures.
 Prepared and processed mortgage loan records, files and correspondence from application
through funding.
 Assured compliance with banks, regulatory and investor guidelines and customer service
standards..
 Experience in working with multiple wholesale investors
 Communicates with customers, internal staff, escrow and title companies, etc. to respond to
inquiries, resolve problems and obtain all necessary documentation required for approval of the
loan file.
 Proficient with Calyx Point, Genesis, Encompass, DU, AUS, and Clues; Microsoft Office
System, Microsoft Excel, QuickBooks, Microsoft Windows® operating system, and Mac
operating system; type 60 wpm with complete accuracy.
PROFESSIONAL EXPERIENCE
BANK OF AMERICA, N.A. – Brea, CA. 2012 to Present
Home Service Specialist II
HSS II with credit signing authority within company delegated limits. Responsible for clearing conditions
and issuing changes to the terms on previously approved loans and but not limited to verifying conditions
of approval which may include, customer income/assets documentation, resolves routine title issues
including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic
liens and undisclosed liens reconveyances; may processes subordinations; resolves appraisal disputes;
depending on channel, may coordinate closing activities. Maintained a high level of customer service by
being proactive in communication with customers, including banking center associates, realtors, etc .
 Knowledge of both processing and underwriting conforming loans.
 Ability to manage a heavy pipeline of 20 plus loans
 Strong written and verbal communications skills
 Teamwork and customer service skills a must
 Self-motivated and highly organized
 Ability to prioritize multiple competing tasks
 Ability to work in fast paced environment and meet tight deadlines from submission to docs.

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EXPRESS MORTGAGE SERVICES – Palmdale, CA. 2004 to 2011
Sr. Loan Processor
Perform a variety of key investor-relations functions, addressing inquiries of current and potential
shareholders, communicating with marketing department regarding investor-relations initiatives, and
maintaining investor database. Collaborated with wholesale and direct lenders nationwide, to insure
proper production of pipeline. Develop spreadsheets to improve and inform quality and risk-assessment
initiatives. Prepare meeting agendas and carefully monitor all action items.
 Improved quarterly profits in first three months of tenure by identifying cost-effective origination
and closing procedures that increased sales by $3 million quarterly.
 Coordinated and hosted successful client seminars, creating invitations and promotional
materials, booking venues, and selecting guest speakers from banks and vendors locally.
 Ability to process, origination, drawing of closing loan documents, funding and arranging
closings with average closings of approximately 45 loans per month.
 Strong using various mortgage loan processing and loan origination software such as eMits,
Encompass, eMagic, CLUES, DU and LP; Calyx Point, Genesis and Byte.
WMC MORTGAGE – Woodland Hills, CA. 1999 to 2004
Sr. Account Manager
Processed purchases, refinances, 2nd T.D., Home Improvement and Helocs, Processed
subprime and prime loan packages to determine if lender requirements are met. Ability to
handle various duties. Knowledge of different stages of loan production from origination to
closing. Managed the production of high volume loans for various brokers nationwide in a
wholesale environment.
 Processed mortgage loan originators and production staff with local banker for
residential loans. Knowledge of FNMA,FHLMC, FHA and VA underwriting guidelines
 Resolved suspense conditions, communicated well to facilitate loan closings..
 Multi-tasker, with the ability to meet deadlines, and work with all levels of production,
technical and administrative staff.
TITLE WEST MORTGAGE – Woodland Hills, CA. 1992 to 1999
Loan Processor
Processed loans for a nationwide lender for purchases, refinances and home improvement
loans. Closed primarily difficult subprime loans. Work well under pressure and able to handle
the many deadlines given.
 Played key role in design of inter-office intranet, collaborating with brokers nationwide to
identify and define essential products that supports clients needs.
 Significantly reduced time required to prepare and distribute quarterly financial reports by
spearheading implementation of electronic reporting procedures.

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EDUCATION
Bachelor of Science, Business Administration in Accounting & Finance (2007)
DEVRY UNIVERSITY – ONLINE
CURRENT CANDIDATE FOR GRADUATION 2011
Bachelor of Science, Business Administration (1998 - 1999)
CALIFORNIA STATE POLYTECHNIC UNIVERSITY - POMONA
CERTIFICATES
Certificate in California Fair Housing – Obtained April, 2009