Christopher J. Williams

Experience

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  CitiFinancial

  Jan 1990 - Jan 1994

  BRANCH MANAGER
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  Countrywide Wholesale

  Jan 1995 - Jan 2005

  REGIONAL SALES MANAGER | CENTER OPERATIONS AND SALES MANAGER - WHOLESALE MORTGAGE DIVISION

  KEY CONTRIBUTIONS:As Regional Sales Manager - Wholesale Mortgage Division• Drove sales increases of 110+% while maintaining top-level quality and high audit grades.• Achieved top 5% profitability ranking among all Countrywide Wholesale offices for four consecutive years.• Maximized mortgage underwriting efficiency, allowing largest lenders to increase production, by devising highly effective programs.As Center Operations and Sales Manager - Wholesale Mortgage Division• Increased loan production from $12 million to $110 million per month over a five-year period. • Achieved 55% wholesale market share in Western Pennsylvania and Ohio in 1999 and 2000.• Developed and promoted three team members into management positions.• Empowered operation to grow 20% in one year, and 45% over three years, by establishing a defined program that streamlined underwriting and funding/quality reviews for key customers. Show less

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  Bank of America

  Dec 2005 - Jan 2007

  REGIONAL SALES MANAGER, SENIOR GROUP OPERATIONS MANAGER - WHOLESALE LENDING DIVISION

  KEY CONTRIBUTIONS:• Created and spearheaded an innovative account management system based on client core abilities, relationship building, and client growth potential. • Increased production by 40% in just two years of taking over this under-performing sales staff.• Improved fraud detection and risk mitigation while working with multiple lines of business.

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  Mimi's Bake Shoppe

  Jan 2008 - Nov 2011

  OWNER

  KEY CONTRIBUTIONS:- Designed and controlled project to build a retail store from previously unused retail space. • Built business from the ground floor up and grew it into one of Pittsburgh's premier specialty bakeries.• Developed a highly efficient production system for nine employees for production of specialty cakes, cupcakes, weddings and high-end events.

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  Bank of America

  Apr 2011 - May 2014

  VICE PRESIDENT, SENIOR GROUP OPERATIONS MANAGER - DEFAULT SERVICING

  KEY CONTRIBUTIONS:-Project team member on several Six Sigma projects, creating policies and processes to adhere to newly created CFPB guidelines.-Managed teams of Customer Advocates in the adherence, development and clarification of new CFPB guidelines and requirements for handling complaints through CFPB portal.-Created metrics, scorecards and testing for accurate measurement of response times and response quality to complaints through the CFPB portal, and complaints which originated from the CEO and members of Congress.• Significantly improved the handling of default servicing complaints and compliance to regulatory agency guidelines by instituting effective policies/procedures.• Exceeded production/quality expectations by setting aggressive goals and providing tenacious follow-up with staff and supervisors• Resolved morale issues and established efficient operational practices. Rehired to turn around poor personnel performance/attitudes. Show less

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  Mortgage Lending Solutions

  Jan 2015 - Sept 2016

  Mortgage Consultant

  Joined Mortgage Lending Solutions to re-enter the retail mortgage market. I developed an individual marketing and business development plan which enabled me to close $7 million in new loan production in 2016. I joined Mortgage Lending Solutions prior to implementation of new TRID rules, which enabled me to help establish procedures and work with 2ndary lenders on clear TRID policies. Gained valuable experience with realtors, title companies and 2ndary lenders while working in the retail mortgage origination space. Show less

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  US Mortgage Network

  Sept 2016 - Jun 2017

  Loan Officer

  Improved working knowledge of construction and commercial loans in the retail mortgage origination business and gained additional information working with additional secondary lenders. Originated three small commercial loans and developed relationships with several commercial secondary lenders.

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  F.N.B. Corporation

  Jun 2017 - Dec 2018

  VP- Regional Operation Manager

  Managed and developing the processing, underwriting, and closing teams for a multi-state regional bank with $1.5 Billion in annual retail mortgage volumes. Worked hand in hand with Private Banking and Wealth Management officers to ensure the highest level of service to high net worth individuals and portfolio loan borrowers. Streamlined operational processes to ensure 30-day closings on non-construction purchase loans. Completed projects within the bank environment to introduce and train operational and field staff with new loan products, and managed projects to significantly reduce losses and reduce risk while improving operational metrics. Show less

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  PNC Mortgage

  Apr 2019 - Mar 2020

  Residential Loan Officer - PNC Mortgage
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  W.D. Wright Contracting, Inc

  Mar 2020 - Apr 2022

  Regional Operations Manager

  I used my experience and management skills in financial service operations to manage the day-to-day operations of the Region which included six operational offices in a two-states. I provided daily support to six Operation Managers to ensure quality in safety, product sales, and operational performance. Trained P&L performance with Operations Managers to focus on efficient cost and profitability management and worked with the safety and sales team to develop process improvements. Worked with safety team to identify root causes of safety violations. Supervised personnel requirements of the Region including interviewing, hiring, coaching, training, discipline, evaluating, and promoting staff. The team developed employee engagement programs to slow employee turnover and create a positive work environment. I also interacted with local municipalities to create strong relationships with municipalities and police departments. The Regional Operation Manager worked hand-in-hand with area utility companies and their sub-contractors to develop new business and focus on efficient and safe work zones. Show less

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  First Guaranty Mortgage Corporation®

  Apr 2022 - Jun 2022

  Account Executive, Correspondent Lending

  Executed effective sales strategies to generate business from banks, non-bank mortgage lenders, and credit unions over a five-state territory. Initiated and developed new business relationships with managers and secondary marketing employees and provided high levels of response and support to issues and training needs. Established virtual training classes for loan officers and real estate agents. Attended trade events to develop real estate and lender relationships. Worked to establish a consultative sales environment for clients by using my verbal and written communication skills as a career mortgage expert. Show less

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  Mortgage Planning Group

  Nov 2022 - now

  Senior Loan Consultant