Chelisa Merrick
Houston,TX
Summary
Dynamic Loan Analyst with a proven track record at CBRE, excelling in data analysis and relationship-building. Achieved over 10% improvement in program goals while managing compliance and operational efficiency. Skilled in Microsoft Excel and effective communication, driving successful outcomes in high-volume loan portfolios and enhancing customer service delivery.
Overview
1
1
Certification
12
12
years of professional experience
Work History
Loan Analyst
CBRE
Houston, TX
12.2023 - Current
- Assisted Portfolio Managers in monitoring performance of commercial real estate loan portfolios to ensure alignment with investment objectives.
- Monitored high-volume commercial mortgage loan portfolio performance, identifying trends and potential issues for timely resolution.
- Monitor compliance with loan servicing agreements.
- Reviewed and recommended lender consent items, including loan assumptions and waiver consents, to facilitate smooth transaction processes.
- Report and monitor loan deficiencies, expired coverages, remittance, and cancellations of required insurance.
- Act as an intermediary between lenders, master servicers, producers and borrowers.
- Managed project goals and timelines, ensuring successful implementation of new processes or strategies in operational activity.
Mortgage Loan Processor
D I Mortgage
Houston, TX
04.2021 - 12.2023
- Verify and evaluate loan documentation such as debt-to-income ratios, credit reports, credit history, income sources, and property documents to prepare and submit detailed loan applications and loan files.
- Processed 15-20 loan files monthly from initial opening to final approval, ensuring adherence to protocols.
- Achieved 100% final approval rate each month by ensuring all documentation met standards.
- Collected and verified loan documents to meet underwriting guidelines for loan products, facilitating timely processing.
- Review all documents for accuracy and completeness and determine documentation necessary to be included in mortgage loan file.
- Managed program operations, ensuring adherence to policies, procedures, and regulatory standards while overseeing $200,000 budget, contributing to operational integrity.
- Analyzed performance data, crafted detailed reports, and implemented recommendations to surpass program goals by over 10%.
- Trained and supervised team of 10 staff members, enhancing workflow efficiency and elevating customer service delivery.
- Maintained rigorous financial and operational records, contributing to the successful attainment of a four-month partnership/client target.
Program Manager
Ambassadors For Christ
Houston, TX
06.2014 - 04.2021
- Managed four successful programs that addressed community needs.
- Manage all aspects of program and ensure services are provided in compliance with policies, procedures, regulations, and grant standards.
- Executed program strategies and processes.
- Analyze data and create program reports to make recommendations for program improvement.
- Achieved annual goals exceeding 10% by implementing effective strategies.
- Administered $200,000 annual budget and tracking expenses.
- Trained and supervised team of 10, enhancing workflow and daily operations to deliver effective customer service.
- Managed and supervised administrative and daily program operations, complying with policies and regulations.
- Built strong teams while effectively managing conflicts to maintain productivity.
- Coached team members on productivity strategies, enabling accomplishment of challenging goals.
- Developed and maintained logistics workflows, procedures and reports.
- Planning and managing budgets for youth activities, organizing necessary supplies, and securing equipment for programs.
Education
Master's Degree - Real Estate Development
Auburn University
Auburn, AL05-2023
Bachelors Business Administration - Finance
Lamar University
Beaumont, TX05-2008
Skills
- Loan Underwriting
- Regulatory Compliance
- Portfolio Monitoring
- Loan Modification
- Data Analysis
- Microsoft Office (Excel, Word, PowerPoint)
- Analytical Skills
- Project Management
- Risk Assessment
- Market Research
- Customer Service
- Communication proficiency
- Organizational Skills
- Relationship-Building
- Staff Training
- Argus
Certification
- Life Insurance
Timeline
Loan Analyst
CBRE
12.2023 - Current
Mortgage Loan Processor
D I Mortgage
04.2021 - 12.2023
Program Manager
Ambassadors For Christ
06.2014 - 04.2021
Master's Degree - Real Estate Development
Auburn University
Bachelors Business Administration - Finance
Lamar University