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Fowler Williams, President and CEO , Crescent Mortgage Company
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Domiciled in Atlanta, GA, Mr. Williams joined Crescent Mortgage Company in 1999. Crescent Mortgage operates as a national mortgage lender in 46 states. In his 16 years with the company he has served as Account Executive, National Sales Manager, Executive Vice President over Sales and Operations and in 2011, Mr. Williams became President of Crescent Mortgage Company as well as a Director on the company’s Board. He holds the highest designation in the mortgage industry, Certified Mortgage Banker.
Mr. Williams has been named 2015-2016 Chairman of the Mortgage Action Alliance (MAA), the grassroots policy, advocacy and lobbying network for the real estate finance industry, affiliated with the Mortgage Bankers Association.
Mr. Williams also has been named 2015-2016 Chairman of the Community Bank and Credit Union Network for the Mortgage Bankers Association. He also serves on the Presidents’ Advisory Group for Dave Stevens, President and CEO of the Mortgage Bankers Association.
Recently, Mr. Williams served on the Customer Advisory Board of Freddie Mac, both the QM and TRID committees for the MBA, and has been named to the forty most influential mortgage professionals under 40 by National Mortgage Professional magazine for the past two years. Mr. Williams speaks regularly to financial institutions and their respective organizations on industry advocacy, compliance, regulatory changes in mortgage lending, technology, and assessing their overall mortgage operations to maximize income while minimizing the risks associated in today’s mortgage lending environment.
He has been a speaker at the MBA National Secondary Conference, the MBA National Convention, MBA Independent Mortgage Bankers Conference, the National Association of Hispanic Real Estate Professionals Conference, the National Association of Professional Mortgage Women conference and at numerous Banking and Credit Union Associations.
Kelly Byers, CPA
Kelly Byers, CPA is currently the COO for Crescent Mortgage Company. Mrs. Byers had served as CFO of Crescent Mortgage Company since 2003 until September 2011. Prior to joining Crescent Mortgage Company, Mrs. Byers was Controller/Vice President, then President of Standard Mortgage Corporation of Georgia. Mrs. Byers has served in auditing and mortgage banking since 1982 after working for a public accounting firm. Mrs. Byers has also served as the Treasurer, Director and President of the National Association Professional Mortgage Women where she remains an active member.
Ashley Allen has been named the Corporate Controller and Vice President of Carolina Financial Corporation. This includes Crescent Mortgage Company, CresCom Bank and Carolina Services Corporation. Ashley is a Certified Public Accountant and holds a Bachelor of Arts Degree in Economics from Furman University. Ashley joined our Company as part-time teller while still in college. After graduating she started as a Financial Analyst in the Finance Department and has steadily progressed to her current responsibilities. Ashley is a member of the American Institute of Certified Public Accountants, the South Carolina Association of Certified Public Accountants, and the Financial Managers Society, Inc.
VP, National Closing Manager
Bill Fowler is the Vice President and Closing Manager with Crescent Mortgage. He has been with Crescent since 1997. He oversees the Closing Department which includes the auditing and purchasing closed loans from correspondents. Prior to Crescent, he was the Closing and Post Closing Manager at Liberty Mortgage Corporation. He has been in the mortgage business since 1985 where he began his career as a loan processor.
Mr. Motley joined Crescent Mortgage in 2011 and has held technology leadership roles in mortgage banking since 1999. Throughout his career, he has focused on systems development and business process optimization.
Mr. Motley earned a B.A. from Emory University, an M.A. from the University of Florida, and an M.B.A. from the Robinson College of Business at Georgia State University.
SVP, Secondary Marketing
Mr. Attaway joined Crescent Mortgage Company in 2010. Before joining Crescent, Mr. Attaway was over Secondary Marketing, Information Systems and Post-Closing Departments for Pine State Mortgage from 1995 to 2010. David is an Atlanta native and a graduate of Georgia State University with a degree in finance. David began his career in the mortgage industry in 1990 and has over 20 years of experience in secondary marketing.
SVP, Post Closing, Servicing, Investor Delivery
Mr. David Brown worked previously for a top 5 national mortgage lender prior to joining Crescent Mortgage Company in August of 1998. Mr. Brown begun his journey in the Post-Closing Department where he now serves as the Vice President of the Investor Delivery Department. Mr. Brown lives and breathes by the company principles; which is the root of their success and low turnover of employees. Mr. Brown is constantly challenging himself and guaranteeing his department and its multiple functions are in compliance by meeting all agency, state, federal, and investor guidelines. Mr. Brown maintains strong relationships with investors, servicers and agencies. He serves as a liaison by communicating servicing and regulatory changes across all Crescent Mortgage Departments.
SVP/ National Underwriting Manager
Mr. Perkins joined Crescent Mortgage Company in 2008 as Senior Lead Underwriter, moving to the National Underwriting Manager in 2009. In his current position he also acts a Head of Credit Policy for the organization.
After graduating with a Doctor of Jurisprudence Degree from West Virginia University, Mr. Perkins has held various positions in both Retail and Wholesale Mortgage Banking. These positions included Executive Vice President of Underwriting in the retail mortgage market, as well as Corporate Trainer and Regional Underwriting Manager in the wholesale market.
SVP, Secondary Marketing
Patrick Dave joined Crescent Mortgage Company on April 12th of 1993 where he worked in the Closing & Shipping Departments. For the past 15 years he has been working in Secondary Marketing, where he has started taking more responsibility year after year. Now a Vice President, he co-manages the Secondary Marketing Department. Continuously he has maintained and established relationships with Fannie Mae and Freddie Mac. Patrick manages pipeline hedging, as well as fulfilling outstanding commitments with GSEs’. He has also served on Freddie Mac’s “Regional Customer Advisory Board” for the past two years. Patrick has established significant relationships with sound financial institutions to help the growth of Crescent Mortgage Company.
SVP - National Sales Manager
Mr. Shellenberger joined Crescent Mortgage in 2009 as the Account Executive in Florida. He was promoted to Vice President in 2011 and National Sales Manager in 2015. He brings with him a 30 year career of top sales performance and sales management with various national mortgagee firms. He is responsible for wholesale and correspondent sales relationships between Crescent Mortgage Company and its community bank, credit union, and independent mortgage banker partners in the 46 states Crescent lends in.
VP, Credit Risk Manager
Rusty Creel joined Crescent Mortgage in September of 2010, and is currently responsible for the Credit Risk, Quality Control, and Appraisal departments.
Rusty’s career in management, underwriting, and mortgage operations, date back to the early 1990’s.
His background also includes experience as a State Registered Real Property Appraiser, and a licensed insurance agent.
Rusty works closely with the GSE’s and government agencies to mitigate risk across a broad spectrum of issues confronting the mortgage industry today.
Maintaining and monitoring the soundness and integrity of Crescent Mortgage are his top priorities.
Rusty also serves as the co-chair of the Mortgage Bankers Association of Georgia Investor Liaison Committee.
VP, Operational Compliance Manager
Mr. Tanner has worked in Banking for over 25 years, initially as a State Bank Examiner, then in the private sector where he gained hands-on lending experience. This combination was of particular usefulness in his role as a Senior Compliance, BSA/OFAC/CRA Officer in a locally owned and operated Community Bank before joining Crescent Mortgage in 2013. He’s served in leadership positions on several trade association steering committees including the Georgia Bankers Association Credit Committee, the Compliance Committee, and is presently active in the Community Bankers Association Regulatory Forum.
William A. Gehman III
Mr. Gehman is the Chief Financial Officer of Carolina Financial Corporation, CresCom Bank, Crescent Mortgage Company and Carolina Services Corporation of Charleston. He is a Certified Public Accountant with over 10 years of experience in financial institutions. Mr. Gehman graduated from Liberty Baptist College and spent over nine years with Peat, Marwick, Mitchell & Co., a predecessor to the national accounting firm KPMG LLP. In 2002, Mr. Gehman joined Coastal Financial Corporation as Senior Vice President and Corporate Controller with responsibilities that included public and regulatory reporting. Mr. Gehman joined Carolina Financial Corporation in 2008. He is a member of the American Institute of Certified Public Accountants, the South Carolina Association of Certified Public Accountants, and the Financial Managers Society, Inc.
Founded in 1993, Crescent Mortgage has always believed that our success is based on adherence to our Mission, our Business Purpose, and our Values. We don’t aspire to be the LARGEST mortgage lender. Our goals are set higher than that. We want to be the BEST mortgage lender. We partner with high quality institutions and offer various means of maximizing profit, while minimizing risk. We are committed to our Customers and consistently providing world class:
Compliant Production Technology
Training, Education, and Industry updates
Loan Product Suite
Value Added Services and Fulfillment
Mission: We are totally committed to daily exceeding the expectations of our Customers.
Business Purpose: We exist to deliver high quality mortgage products and services to our Customer relationships.
Leadership: Daily Commitment and Adherence to our Mission and Business Purpose.
Communication: The ability to listen first and Communicate Across Group lines.
Integrity: Retaining TRUST and RESPECT at all times.
Quality: Consistently doing the RIGHT things RIGHT.
Crescent Mortgage Company was founded on February 16, 1993 as a wholesale lender for community banks in the Southeastern United States. On the first day of business, we faxed a hand written rate sheet to our first approved correspondents. By 10:00 AM the following morning we had received over $25,000,000 in loan locks, and knew at that time the future would be bright.
In 2003 The wholesale mortgage company was acquired by a bank holding company based in Charleston, SC; Carolina Financial Corporation. Carolina Financial Corporation has two member banks. Crescent Bank in Myrtle Beach, SC and Community FirstBank in Charleston, SC. In 2009, Crescent Mortgage moved from being a wholly owned subsidiary of the holding company, to being a wholly owned subsidiary of the bank. The two banks Merged in August, 2011 and became CresCom Bank. Crescent Mortgage Company is a wholly owned subsidiary of CresCom Bank.
Over the past 20 years Crescent has always operated based on a simple and enduring philosophy. We want to be the best SERVICE provider in the mortgage industry. Our goal is to meet or exceed our customers' expectations at every point of contact. Crescent has never had any desire to be the largest lender in the country. As a community bank we know you understand that Bigger is not always Better. In fact, we find as a mid size mortgage lender, we are a perfect fit for community banks! Big enough to provide the best in mortgage products and latest
technology advancements; Small enough to listen, and custom fit our services based on your banks individual needs.
Today Crescent Mortgage Company lends in 43 states and partners with over two thousand Community Bank, Credit Union, and quality Mortgage Brokers. Because Crescent Mortgage Company has always been prudent in its lending, we do not have the issues faced by many wholesale lenders. Crescent Mortgage Company never made Sub Prime loans, Negative Amortization Loans, or Pay Option ARM's. Therefore, we do not have to focus our time and efforts remedying our past portfolio. Rather, we can focus on the future of mortgage banking and expanding our partnerships with quality partners.
You will find in dealing with Crescent, that many of our employees and leadership have been here from the beginning. Most managers at Crescent have been here over a decade! Including the President, SVP National Sales Manager, SVP Quality Control, VP National Closing Manager, VP of Credit Policy, VP of Secondary Marketing. All the members of the Crescent Mortgage family are excited to offer our services to you and the people of your community.
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