Leslie Melchor
Hialeah,FL
Summary
Self-starting professional with several years of diverse experience, including consumer, commercial and mortgage loans. Sales-oriented professional with initiative and knowledge to perform majority of loan processes without direct management support. Proven history of juggling multiple loans and priorities simultaneously with complete accuracy, efficiency and customer satisfaction.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Lending Assistant II / Loan Processor
Intercredit Bank NA (Hybrid)
Miami, FL
01.2021 - Current
- Initiate preliminary loan documentation process by ordering 3rd party reports such as appraisal, title work, lien searches, environmental, surveys, etc
- Necessary prior to loan closing
- Assists lending officers in the preparation of pre-funding worksheets, loan documentation checklists and any other communications necessary to properly submit a loan package to the Loan Processing department
- Responsible for preparing CAS (Offering Tickets), Commitment Letters for loan officers
- Complete internal loan processes by completing geo coding, ordering flood determination, etc
- Necessary prior to loan closing
- Prepare banking transactions to process loans, advances, wires, payments, etc
- Maintain records on all documentation deficiencies and follow through with Loan Officer to ensure clearing of exceptions on a timely basis
- Maintain customer's financials and insurance requirements ensuring compliance throughout the term of the loan
- CRA, HMDA
- Assist Loan Officer in past due collections & monitoring upcoming loan maturities
- Maintain working knowledge of all internal procedures including Bank Policy as they pertain to this position
- Loss prevention and security as applicable for this position
- Other duties and/or tasks may be assigned on an as needed basis, support the lending team in achieving high asset quality and portfolio risk profile for strong customer relationship
- Responsible for completing annual training programs assigned
- Responsible for Annual Site Visits for existing loans.
Lending Assistant II
Banesco USA (Hybrid)
Coral Gables, FL
03.2016 - 01.2021
- Assist the assigned lending officers with the daily management of loan and deposit portfolios
- Work with SBA, CRE and CNI
- Responsible for resolving uncollected and overdrawn related issues for the assigned lending officer's customers
- Responsible for assisting the assigned lending officers, maintain the loan portfolio with minimum past dues
- Responsible for handling all customer request and issue resolutions ensuring quality customer service
- Responsible for opening new accounts, ensuring all the required documentation are received and is complete
- Ensure that all new accounts are opened according to the bank policy and regulatory guidelines
- Responsible for handling all aspects of clients' depository accounts with the Bank, this includes, but not limited to opening, closing, superseding accounts, stop payments, managing exceptions, adjustments, reversals, account analysis, return items and large items
- Responsible for all BSA matters for the assigned lending officers including high risk account, ECS exceptions, RFl's and Know Your Customer form (KYC)
- Support the lending team in achieving high asset quality and portfolio risk profile for strong customer relationships
- Assists lending officers in the preparation of pre-funding worksheets, loan documentation checklists and any other communications necessary to properly submit a loan package to the Loan Processing department
- Responsible for completing annual training program assigned
- Other duties and/or tasks may be assigned on an as needed basis, support the lending team in achieving high asset quality and portfolio risk profile for strong customer relationship.
Loan Servicing & Operations Specialist
Banesco USA
Coral Gables, FL
12.2013 - 03.2016
- Provide information/assistance to customers and bank staff regarding Loan Servicing/Operations matters
- Book Commercial, Unit Price, and Commercial R/E, Residential, and Consumer Loans, loan modifications, renewals and extensions
- Process all type of loan disbursements, advances, wire transfers, payments (including Unit Price), escrow disbursements and payoffs
- Assure proper input of all types of insurances on all required fields in Jack Henry system, including but not limited to flood determination information
- Prepare Satisfaction and or lien release on payoffs on all loans
- Partial releases and UCC
- Estoppels letters and all required documentation sent to customer once account paid in full
- Monitor all insurances via the tickler system and disburse funds for the payment of insurance premiums for the loans in escrow
- Reconcile flood determination and tax service fee General Ledger accounts on a monthly basis
- Assure real estate taxes are properly entered when loan is booked in JH and promptly Folio Numbers with Legal Description are sent to CoreLogic for accurate tracking
- Monitor real estate taxes via CoreLogic and disburse funds for the payment of real estate taxes for the loans in escrow
- Pay documentary stamps as needed
- Process Escrow Analysis on a yearly basis.
Collections Specialist / Administrative Asst.
Ace Transport Miami, LLC.
Miami, FL
01.2010 - 01.2013
- Provide customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments
- Responsible for the invoicing of customer orders, includes coordination with vendors and the factoring of all customer accounts
- Perform a variety of clerical duties such as preparing, maintaining, comparing, checking and filing miscellaneous statements, tabulations and reports.
Commercial Lending Assistant
Eagle National Bank n/k/a JGB Bank
Miami, FL
01.2005 - 01.2008
- Provided administrative support to Senior Loan Officer and Co-workers
- Prepared new loans, renewals and participation loan documents in Laserpro, loan funding prior to closing and run credit reports
- Create and maintain all customer files
- Ordered Appraisals, Environmental Reports, and Site Inspections, HUD Guidelines and all necessary documentation needed for Commercial and Real Estate Loans
- Responsible for preparation of wire transfers, principal reductions, advances, verifying balances, verifying large item returns, chargeback items and stop payments
- Opened/Closed accounts, ordered checks, verified funds for lending institutions, updated signature cards, filed all correspondence, memorandums and operational transactions on daily basis
- Processed all loan and credit card payments
- Collection of Past due loans and oversees overdraft reports on all delinquent accounts
- Prepared UCC's, Satisfaction of Mortgages, Estoppels letters and all required documentation sent to customer once account paid in full
- Investigated and resolved accounting errors related to customer accounts, collect and understand data from Personal & Corporate Tax Returns
- Responsible for all Commercial, Residential and Auto Insurances to be paid and in good standing
- Prepare end of the month's reports
- Attend Loan Committee and Officer's meetings on a weekly basis.
Education
Currently taking Banking Courses only -
Miami Dade
01.2021
AA in Elementary Education -
Miami-Dade College
01.1994
Skills
- English
- Spanish
- Ncino
- Xperience
- Silverlake
- Jack Henry
- Word
- Excel
- PowerPoint
- Outlook
- Magaya
- DMS System
- AS 400
- Banc Win
- Laserpro
Certification
Certify Notary Public
References
- Maria Gibert, (786) 564-8591
- William Diaz, (305) 962-0700
- Earlyn Barton, (305) 788-4509
Timeline
Lending Assistant II / Loan Processor
Intercredit Bank NA (Hybrid)
01.2021 - Current
Lending Assistant II
Banesco USA (Hybrid)
03.2016 - 01.2021
Loan Servicing & Operations Specialist
Banesco USA
12.2013 - 03.2016
Collections Specialist / Administrative Asst.
Ace Transport Miami, LLC.
01.2010 - 01.2013
Commercial Lending Assistant
Eagle National Bank n/k/a JGB Bank
01.2005 - 01.2008
Currently taking Banking Courses only -
Miami Dade
AA in Elementary Education -
Miami-Dade College
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