Summary
Overview
Work History
Education
Skills
Certification
Accomplishments
Languages
Timeline
Generic

Consula Williams

Victorville

Summary

Experienced Regional Manager with a strong background in low-to-moderate affordable housing and community redevelopment. Utilized CRA goal attainment strategies to successfully achieve CRA lending, investment, and services goals and objectives. Supported small business, HMDA, and community development lending groups by tracking and reporting on target lending goals across assessment areas. Maintained CRA program governance standards through leveraging internal regulatory reporting and analyzing CRA performance. Provided valuable insights through CRA Committee reports and identified performance areas in relation to tracking of context criteria, including obstacles to goal achievement. Responsible for additional tracking and reporting responsibilities related to community programs, with a focus on expanding utilization of existing programs. Assisted in the development of new lending programs, deposit products, and financial services tailored to meet the specific needs of communities in CRA assessment areas, particularly low- and moderate-income neighborhoods. Reported recommended changes or improvements related to special lending and investment programs available to community development target markets, asset size, assessment areas, and regulatory expectations. Actively participated in virtual and in-person small business and financial literacy training sessions to support business communities and community partners.

Overview

26
26
years of professional experience
1
1
Certification

Work History

Regional Manager- Remote

BMO Bank
01.2024 - Current
  • Responsible for the overall operations, including the day-to-day implementation of policies, procedures, and programs to ensure responsible for developing, implementing, administering, and monitoring aspects the bank's Community Reinvestment Act Compliance Program
  • I adhered to the provisions and intent of the CRA with the goal of meeting the credit needs of the communities the Bank serves, including those of low- and moderate-income people and neighborhoods, as well as communities of color, consistent with safety and soundness operation
  • With responsibilities in establishing, participating, and maintaining relationships with community-based, charitable, and non-profit organizations, while implementing policies and procedures necessary to maintain compliance with federal regulations and internal policies and procedures
  • Reviewed community service activities performed by bank employees and charitable donations made by the bank and determined eligibility under the Community Reinvestment Act
  • While maintaining documentation on eligible activities and donations and providing appropriate feedback to line of business partners
  • Performed demographic studies times eligible community service activities performed in the community and determine if the Bank’s community service activities are appropriate and meeting goals
  • Evaluate application data, income, asset documentation, liabilities, financial statements, bank statements, tax returns, property valuations, and credit reports for single family and multifamily housing units nationwide
  • Established community advocacy partnerships for continuous resources, assistance, and services
  • Leverage knowledge of multiple loan programs available for low to moderate households
  • Collaboration with local private and public agencies in providing affordable housing opportunities
  • Evaluated loans within the accordance of private, non-profit, and government agency guidelines
  • Extensive knowledge of nuances of HUD, State and federal Low Income, Affordable housing programs and LIHTC programs with housing voucher, tax credit, Section -8 programs
  • Assist in outreach activities focused on low- and moderate-income communities, churches, job sites, events, etc
  • Provided a clear direction for a member’s path towards homeownership goals and improved financial management skills
  • Promoted a culture of continuous improvement through ongoing process reviews, employee engagement initiatives, and open channels of communication.

Mortgage Housing Counselor - Remote

NACA – Neighborhood Assistant Corporation of America
01.2019 - Current
  • Works with a passion for equal access and tenants’ rights being essential, as well as cultural competency awareness and a desire to work with underserved communities
  • Assisted clients in achieving homeownership by guiding them through the home buying process.
  • Secured funding for agency programs through grant writing efforts, resulting in expanded service offerings for clients in need of housing assistance.
  • Conducted thorough assessments of client eligibility for various housing assistance programs, ensuring accurate placement and appropriate support.
  • Working with loans consisting of reviewing of income and assets property information budgeting and counseling for affordability, not including the marketing and project advocacy for different programs designed to assist multifamily units, while aiding the closing process with the client, utilizing closing checklists to identify and monitor progress of items required to close and responsible parties Managed manages a pipeline of Member files while providing comprehensive, individual housing and financial management services
  • Through providing education, counseling, social work, public speaking, and/or advocacy.
  • Established community advocacy partnerships for continuous resources, assistance, and services
  • Leverage knowledge of multiple loan programs available for low to moderate households
  • Collaboration with local private and public agencies in providing affordable housing opportunities
  • Evaluated loans within the accordance of private, non-profit, and government agency guidelines
  • Extensive knowledge of nuances of HUD, State and federal Low Income, Affordable housing programs and LIHTC programs with housing voucher, tax credit, Section -8 programs
  • Maintained strong relationships with mortgage lenders, real estate agents, and attorneys to facilitate seamless transactions for clients.
  • Provided a clear direction for a member’s path towards homeownership goals and improved financial management skills


Underwriter

Express Mortgage Pros, Inc, Brea, CA
01.1999 - 01.2019
  • Assessed loan applications, analyzed financial viability, and offered approvals or denials based on the credit worthiness of each applicant
  • Processed a variety of loan types with the goal of optimizing production and minimizing loss
  • Communicated with senior management and offered updates regarding production goals and pipeline development
  • Experience underwriting real estate/LIHTC financial modeling to facilitate Credit approval
  • Ability to identify key risks and mitigants for new construction and acquisition / rehab properties utilizing the LIHTC program
  • Strong understanding of operating agreements and limited partnership agreements
  • Experience in Low Income Housing Tax Credit and Community Lending industry with underwriting and/or risk management experience
  • Reviewed mortgage loan files, verified compliance standards, and ensured investor guidelines were met
  • Analyzed conditions and altered terms of the approved loans to ensure accurate closings
  • Leveraged insight into QM, ATR, TRID, and HMDA regulations as well as FNMA and FHLMC requirements
  • Facilitated communication between borrowers and loan processes to ensure escrow milestones were achieved
  • Answered questions regarding file status, mortgage terms, or underwriting requirements
  • Contributed to re-negotiations of loans within lending guidelines
  • Reviewed final conditions and submitted files for Underwriting Final Approval
  • Managed and trained the processing team in best practices
  • Key knowledge of secondary market activity, practices, and business/industry practices as they impact my underwriting quality and origination activity

Education

Bachelor of Science - Business Administration

Kaplan University

Bachelor of Science - Business Administration

California State Polytechnic University - Pomona

Bachelor of Science - Business Administration in Accounting & Finance

University of Phoenix
01.2007

Skills

  • Certified HUD Housing Counseling
  • Knowledge of CDBG regulations
  • Section 8, LIHTC, Housing voucher programs, certification & regulations
  • Community Housing Advocate
  • Strategic planning
  • Staff management
  • Goals and performance
  • New business development
  • Business development and planning
  • Knowledge of HUD Affordable Housing & Lending Programs
  • Teamwork & Collaboration
  • Supported local community initiatives and programs

Certification

  • Certificate in Fair Housing,2009
  • Nationwide Multistate Licensing & Registry (NMLS) Number – #332560
  • HUD Housing Counselor ID Number - #LYBDJC
  • HUD Certified Occupancy Specialist
  • National Association of Mortgage Professionals (NAMP)

Accomplishments

  • Used Microsoft Excel to develop inventory tracking spreadsheets.
  • Collaborated with various teams in the development of community and redevelopment projects.

Languages

English
Native or Bilingual

Timeline

Regional Manager- Remote

BMO Bank
01.2024 - Current

Mortgage Housing Counselor - Remote

NACA – Neighborhood Assistant Corporation of America
01.2019 - Current

Underwriter

Express Mortgage Pros, Inc, Brea, CA
01.1999 - 01.2019

Bachelor of Science - Business Administration

California State Polytechnic University - Pomona

Bachelor of Science - Business Administration in Accounting & Finance

University of Phoenix
  • Certificate in Fair Housing,2009
  • Nationwide Multistate Licensing & Registry (NMLS) Number – #332560
  • HUD Housing Counselor ID Number - #LYBDJC
  • HUD Certified Occupancy Specialist
  • National Association of Mortgage Professionals (NAMP)

Bachelor of Science - Business Administration

Kaplan University

Similar Profiles

CREATE PROFILE
Consula Williams