Meghann Trancoso
East Tawas,MI
Summary
Resourceful AVP known for high productivity and efficient task completion. Specializes in strategic planning, risk management, and team leadership. Excels in communication, problem-solving, and adaptability, ensuring successful project outcomes and operational improvements. Trusted communicator who builds community relationships and helps mission-based organizations grow sustainably.
Overview
9
9
years of professional experience
Work History
AVP, Mortgage Department Manager
Huron Community Bank
East Tawas, MI
06.2022 - Current
- Developed new workflows and job descriptions which improved consistency and compliance.
- Oversee department budgets, reconciliations, and financial reporting/variance review.
- Provide reporting and recommendations to senior leadership on lending strategies, goals, and operational improvements.
- Lead and develop staff by managing scheduling, implementing work procedures, facilitating cross-training, supporting performance management, and participating in hiring.
- Maintain strong compliance posture by staying current on applicable laws/regulations; respond to audit and compliance exams and implement policy/procedure changes.
- Ensure secondary-market readiness through knowledge of Freddie Mac policies and broader mortgage systems/regulations; serve as backup originator/processor/closer/underwriter.
- Prepare loan packages for committee presentation; coordinate with senior management.
- Strengthen community relationships and enhance bank visibility through active participation in professional and community relations and chamber initiatives.
Senior Credit Underwriter
Rock Mortgage
02.2021 - 05.2022
- Reviewed and analyzed credit risk for purchase/refinance files; issued approvals/denials and established/removed underwriting conditions to ensure compliant loan processing.
- Ensured adherence to state, federal, and investor guidelines (including Fannie Mae/Freddie Mac).
- Developed solutions for non-qualifying files, enabling viable loans to proceed through processing while maintaining high quality and client satisfaction.
Mortgage Loan Processor / Underwriter
Alpena Alcona Area Credit Union
Alpena, Michigan
08.2017 - 11.2020
- Processed mortgage loans from application to closing, ensuring compliance and document accuracy while coordinating closings and title/escrow requirements to facilitate timely transactions.
- Oversaw construction financing draw schedules and documentation, ensuring clear title and proper disbursement for efficient project execution.
- Processed mortgage applications efficiently for Alpena Alcona Area Credit Union clients.
- Reviewed financial documents for accuracy and completeness to ensure compliance.
Education
1st Year
Perry Schools of Banking
05.2026 - 08.2026
Associate - Nursing
Sauk Valley Community College
Skills
- Community Partnerships
- Regulatory Compliance
- Audit/Compliance Readiness
- Risk Assessment
- Budget Administration
- Strategic Planning
- Market Analysis
- Policy improvement
- Client Relationship Management
- Team Leadership
Timeline
1st Year
Perry Schools of Banking
05.2026 - 08.2026
AVP, Mortgage Department Manager
Huron Community Bank
06.2022 - Current
Senior Credit Underwriter
Rock Mortgage
02.2021 - 05.2022
Mortgage Loan Processor / Underwriter
Alpena Alcona Area Credit Union
08.2017 - 11.2020
Associate - Nursing
Sauk Valley Community College