Scott McWilliams is a secondary analyst and loan officer with over 16 years of experience in the mortgage origination industry. He currently works as a Secondary Analyst/Manager at PatriotBankMortgage, where he manages a monthly loan volume of $20-30 million, locks and prices loans, monitors pipelines and guidelines, and maintains relationships with investors. Previously, he worked at RMC Vanguard Mortgage Corporation for over 14 years in various roles, including as a Secondary Marketing Manager, Loan Officer Trainer, and top-producing Loan Officer. He has extensive experience with multiple loan origination and pricing systems, underwriting guidelines, and regulatory compliance.

1. SCOTT N.MCWILLIAMS
22803 Whitewater Creek Cir, Katy, TX 77450 • Cell: 832 541 0788 •smcwil@mindspring.com
Professional Summary
SecondaryAnalyst/LoanOfficer with 16-year background in multi-state consumer mortgage origination industry.
Continually showing excellent analytical, technical, communication, leadership and customer service in a
fast-paced, highly regulated industry.
Skills
 Self-sufficient
 Team player
 Excellent work ethic
 Risk management
 Excellent verbal and written communication
skills
 Ability to work well with others in a high
pace/high stress environment
 Effective leader
 Staff training
 Customer service-oriented
 Highly organized
 Exceptional sales skills
 High level of accuracy
 Strong understanding of investor/ FNMA/
FHLMC guidelines
 Superb knowledge of mortgage software Ellie
Mae Encompass/Optional Blue and Mortech
Marksman
 Working knowledge of mortgage securities
market
 Ability to evaluate financial trade-offs when
pricing loans with sales force.
Work History
Secondary Analyst/Manager, 03/2014 to Current
PatriotBankMortgage–7670 Woodway Ste162, Houston, TX 77063
Manage volumes of 20 - 30 million on a monthly basis in a fast-paced, risk-based corporate environment.
Complete rate lock requests and lock loans, as requested through Encompass, Optimal Blue, Marksman and/or
directly with various Investors.
Experience with hedge of loans, working with hedge firm and selling of mandatory loans on secondary market
to investors.
Take forward contracts with investors corresponding to locked loans Best efforts
Ensure pricing and profitability guidelines met, and all applicable risk adjusters accounted for as well as
Margins.
Maintain lock in pro system as well as Encompass. Monitor and maintain exceptions within approved ranges
and document all in LOS system.
Work with staff and loan officers on changes to maintain profit and margins. Manually price loans with
changes that require product/investor changes.
Monitor lock expiration dates to be sure all loans delivered to the investor within their respective contract
duration.
Maintain lock reports to monitor volume on a daily basis.
Manage PBM extensions, re-lock policies with individual investors, and communicate information to the Loan
Officer staff.
Monitor lock pipeline for expiring loans.
Confirm all loans locked in accordance with all applicable regulatory and compliance guidelines, including
Fair Lending Regulations.
Understand and monitor investor guidelines to keep up with current information on programs/pricing also
minimizing investor switches by locking with correct investor up front.
Maintain relationships with all investor representatives.
Manage login information for investors and employees so that information is accurate.
Using LOS system reports, monitor contracts with investors to minimize fallout & pair-off volume.
Work with Post Closing, when further documentation is required to deliver a loan, to facilitate the delivery of
required documents to the investor, with the goal of minimizing repurchase or post-purchase adjustment risk.

2. Secondary Marketing Manager/Loan Officer/Loan Officer Trainer, 10/1999 to 03/2014
RMC Vanguard Mortgage Corporation – 1111 North Loop West Ste. 250, Houston, TX77008
Secondary Marketing Manager Jan 2012 to March2014
All Duties listed under current job information with Patriot Bank Mortgage.
Loan Officer Trainer Jan 2011 - Dec2012
Trained incoming Loan Officers on loan process, lead management, sales techniques, conventional, and FHA
programs.
Trained all loan officers and staff VA loan processes
Collaborated, Created and implemented Training manual as well as website for new hires to review training
material.
Loan officer from October-99 to Jan-2012
Top 200 Originator by Mortgage Originator magazine 2003
Lendingtree Gold Leaf loan officer annually from 2003-2007
Maintained knowledge of all underwriting guidelines for investors as well as FNMA, FHLMC, FHA and VA.
Recommended loan approvals and denials based on customer loan application reviews.
Submitted loan applications to the underwriter for verification and recommendations.
Complied with regulatory requirements, including the Bank Secrecy Act, AntiMoney Laundering, OFAC, USA
Patriot Act, Privacy Act and Community Reinvestment Act.
Maintained strict confidentiality of bank records and client information.
Maintained friendly and professional customer interactions.
Maintained knowledge of all underwriting guidelines for multiple investors as well as FNMA, FHLMC, FHA
and VA.
References
References available upon request.