Lakesha Murchison

• Timely handling of all Syndicated Operations and daily workflow related to Loan Administration
• All transactions being captured on the Loan IQ Lending platform
• Processing borrowing request and payments, arrange for funding / break funding, set rates
• Confirm rates and margin changes, reconcile discrepancies among interest and fees
• Monitor daily loan repricing activities and chase agents as needed
• Monitor commitment limits and expiration dates
• Monitor cash flow and process transactions timely
• Respond promptly to all service request from clients and investors, proficient with Loan IQ.

• Responsible for delivering a high level of member service to internal and external members in accordance with the credit union's service initiative
• Meets all established service and referral goals
• Processes cash/check transactions including deposits, withdrawals, loan payments, transfers, traveler's checks, and money orders
• Opens new accounts and cross-sells additional credit union products and services by assessing the needs of the members and offering solutions as necessary (including IRA's & CD's)
• Performs account & member maintenance as necessary
• Maintains member account records in accordance with credit union policies and procedures
• Maintains a working knowledge of the services and products the credit union offers
• Assists in meeting and exceeding individual, team, and credit union goals
• Referring existing and new members to a service partner who has specific expertise
• Initiates follow-up mechanisms with members
• Initializes dispute resolutions
• Scans documents
• Keeping informed about credit union promotions and programs
• Complies with security regulations and watches out for and recognizes account flags
• Balances cash drawer daily
• Assist with community outreach programs and perform other duties as required for the efficient operation of the department
• Coordinates timely settlement of bank loan trade activity, cultivates effective working relationships with settlement parties
• Resolution of manual and automated processing errors as needed
• Performs other duties as assigned.
• Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
• Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.

• Process, service, liquidate, and handle transactions for all types of Agency loans
• Normal duties are performed without direct supervision
• Guidelines consist of Agency policies, procedures, directives, and applicable legislation
• Analyzes borrower's financial statements, compares with statements previously furnished to determine trends in financial condition and to determine compliance with loan terms and conditions
• Review loan documents to identify trigger language and covenants
• Prepare reports that detail risk assessment findings that contribute to the final decision
• Evaluate applications with regards to the company's underwriting standards, make decisions to accept, modify, or reject applications after scrutiny of all the required documents and studies regarding the risk involved

Analytical thinker with research proficiencies, ability to use reasonable and sound judgement.under

• Analyzed financial statements and tax returns to complete underwriting process.
• Maintained current understanding of industry and underwriting procedures.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.

• Educate customers about available loan products, rates, policies, underwriting requirements, and loan procedures
• Collect and analyze financial and credit information from customers in order determine suitable loan programs
• Resolves automated processing errors as needed
• Cultivates effective working relationships
• Deep knowledge of underwriting regulations.
• Improved loan approval rates by meticulously reviewing and analyzing applicant financial documents.
• Enhanced underwriting efficiency with thorough risk assessments and timely decisionmaking.
• Reduced processing times for mortgage applications, ensuring prompt customer service and satisfaction.
• Collaborated with loan officers to resolve discrepancies in application materials, streamlining the approval process.
• Maintained compliance with regulatory standards and guidelines, mitigating potential risks to the organization.
• Conducted comprehensive credit analyses to determine borrower eligibility and minimize default risks.
• Provided detailed feedback on loan decisions, effectively communicating with both internal stakeholders and applicants.
• Managed a diverse portfolio of mortgage applications, consistently meeting or exceeding established performance metrics.
• Supported business growth by identifying high-quality borrowers through rigorous evaluation processes.
• Assisted in the implementation of new underwriting tools and technologies, optimizing workflow within the department.
• Participated in quality assurance initiatives, monitoring adherence to company policies and best practices.
• Developed strong working relationships with industry partners to facilitate seamless transactions for clients.
• Conducted regular audits of underwriting files for accuracy and completeness, maintaining impeccable documentation standards.
• Effectively managed workload to ensure timely completion of all assigned tasks while maintaining a focus on quality.
• Continuously updated knowledge of industry trends and changing regulations to inform sound decisionmaking.
• Maintained a deep understanding of various loan products available, expertly matching borrower needs with suitable options.
• Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
• Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

• Evaluate, authorize, or recommend approval of commercial or credit loans
• Advise borrowers on financial status and methods of payments
• Approve loans within specified limits and refer loan applications outside those limits to management for approval
• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Analyses applicants financial status, credit and property evaluations to determine feasibility of granting loans
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
• Obtain and compile copies of loans, credit histories, and other financial information
• Review loan agreements to ensure that they are complete and accurate according to policy
• Compute payment schedules
• Handle customer complaints and take appropriate action to resolve them
• Negotiate payment arrangements with customers who have delinquent loans.
• Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
• Improved loan processing efficiency by streamlining application procedures and documentation requirements.
• Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
• Conducted thorough credit analysis to minimize risk exposure for the financial institution.
• Ensured compliance with all federal and state regulations throughout the loan origination process.
• Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
• Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
• Utilized advanced financial software tools to accurately assess borrower eligibility for various mortgage products.
• Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.