MELANI ANDERSON
Pelham
Summary
Organized and motivated professional with experience in the financial industry. Expert in analyzing data, assessing creditworthiness, and recommending loan products. Proven ability to build and maintain strong relationships with clients and colleagues. Proactive in identifying and resolving issues and providing superior customer service. Detail-oriented professional with proven knowledge of banking, customer service, and account management. Aiming to leverage my abilities to successfully fill a role on your team. Hardworking, highly motivated professional eager to lend combined knowledge and skills to enhance business performance. Operates well in both individual and team capacities, leveraging seasoned work ethic to quickly adapt to different processes and drive company objectives. Resourceful and results-driven with a passion for growth and efficiency to meet company needs and increase service value.
Overview
11
11
years of professional experience
Work History
Loan Processor
Stockton Mortgage
AL
04.2023 - Current
- Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services.
- Utilized strong customer service skills to effectively communicate with customers regarding their loan applications.
- Developed excellent organizational skills to manage multiple tasks simultaneously while meeting tight deadlines.
- Verified that all required documentation was received before submitting the file for final approval.
- Successfully maintained a high level of accuracy in processing loan documents and ensuring compliance with all state, federal, and agency guidelines.
- Worked closely with underwriters to resolve any outstanding conditions or issues related to a loan file.
- Prepared loan files for submission to underwriting by updating MLS and ordering titles, insurance and appraisals.
- Provided assistance in maintaining current records of all processed loans in accordance with company policy.
- Collaborated closely with underwriting and sales to obtain loan approval.
- Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations.
- Handled sensitive data in an accurate manner by following established security protocols.
- Applied advanced mathematical knowledge when calculating debt-to-income ratios and loan-to-value ratios.
- Monitored loans within pipeline to prevent delays or interruptions.
- Performed quality control checks on all completed loan files prior to submission for underwriting approval.
- Submitted approved mortgage loan files to loan closer for settlement.
- Demonstrated ability to review complex legal documents including title reports, appraisals, surveys, for completeness and accuracy.
- Collected required documentation from applicants and followed up on missing items.
- Employed exceptional problem solving techniques to identify potential risks associated with loan applications.
- Implemented effective strategies for resolving loan application issues or discrepancies.
- Coordinated with external vendors such as appraisers, credit bureaus and insurance companies.
- Maintained a comprehensive understanding of mortgage lending regulations such as the Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act.
- Researched loan documents and regulations to ensure compliance with all federal, state, and local laws.
- Created spreadsheets to improve management of loan files and reporting accuracy.
- Reviewed and verified submitted loan applications for completeness and accuracy for loan execution.
- Conducted detailed reviews of borrower's credit history, income statements and other financial information to ensure accuracy.
- Displayed excellent attention to detail when verifying accuracy of borrower's personal information entered into the system.
- Assisted senior staff members in training new employees on various aspects of the loan origination process.
- Called and wrote credit bureaus and employers to verify accuracy of loan applicant information.
- Built positive relationships with lenders, brokers and borrowers to ensure timely processing of loans.
- Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector.
- Worked closely with customers to help them understand loan terms and conditions.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Explained to customers different types of loans and credit options that were available, as well as terms of those services.
- Analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Maintained and reviewed account records, updating and recategorizing them according to status changes.
- Met with applicants to obtain information for loan applications and to answer questions about process.
- Conferred with underwriters to resolve mortgage application problems.
- Reviewed billing for accuracy.
- Updated credit and loan files.
- Contacted applicants or creditors to resolve questions about applications or to assist with completion of paperwork.
- Assisted in selection of financial award candidates used electronic databases to certify loan eligibility.
- Calculated amount of debt and funds available to plan methods of payoff and to estimate time for debt liquidation.
Loan Processor
Hometown Lenders
AL
04.2019 - 04.2023
- Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services.
- Utilized strong customer service skills to effectively communicate with customers regarding their loan applications.
- Developed excellent organizational skills to manage multiple tasks simultaneously while meeting tight deadlines.
- Verified that all required documentation was received before submitting the file for final approval.
- Successfully maintained a high level of accuracy in processing loan documents and ensuring compliance with all state, federal, and agency guidelines.
- Worked closely with underwriters to resolve any outstanding conditions or issues related to a loan file.
- Prepared loan files for submission to underwriting by updating MLS and ordering titles, insurance and appraisals.
- Collaborated closely with underwriting and sales to obtain loan approval.
- Provided assistance in maintaining current records of all processed loans in accordance with company policy.
- Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations.
- Handled sensitive data in an accurate manner by following established security protocols.
- Applied advanced mathematical knowledge when calculating debt-to-income ratios and loan-to-value ratios.
- Monitored loans within pipeline to prevent delays or interruptions.
- Performed quality control checks on all completed loan files prior to submission for underwriting approval.
- Submitted approved mortgage loan files to loan closer for settlement.
- Demonstrated ability to review complex legal documents including title reports, appraisals, surveys, for completeness and accuracy.
- Collected required documentation from applicants and followed up on missing items.
- Implemented effective strategies for resolving loan application issues or discrepancies.
- Employed exceptional problem solving techniques to identify potential risks associated with loan applications.
- Coordinated with external vendors such as appraisers, credit bureaus and insurance companies.
- Maintained a comprehensive understanding of mortgage lending regulations such as the Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act.
- Researched loan documents and regulations to ensure compliance with all federal, state, and local laws.
- Reviewed and verified submitted loan applications for completeness and accuracy for loan execution.
- Created spreadsheets to improve management of loan files and reporting accuracy.
- Conducted detailed reviews of borrower's credit history, income statements and other financial information to ensure accuracy.
- Displayed excellent attention to detail when verifying accuracy of borrower's personal information entered into the system.
- Assisted senior staff members in training new employees on various aspects of the loan origination process.
- Called and wrote credit bureaus and employers to verify accuracy of loan applicant information.
- Built positive relationships with lenders, brokers and borrowers to ensure timely processing of loans.
- Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector.
Loan Processor
Primemax Mortgage Group
Gadsden
02.2015 - 04.2019
- Process loan applications efficiently, ensuring compliance with regulations and guidelines.
- Evaluate borrower creditworthiness through thorough analysis of financial documents.
- Collaborate with underwriters to resolve discrepancies and expedite loan approvals.
- Maintain accurate records in loan processing software to enhance workflow efficiency.
- Mentor team members, fostering a collaborative environment focused on accuracy and efficiency.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
Education
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Jacksonville State University
Jacksonville, AL, USSkills
- Loan Evaluations
- Data Entry
- Loan Origination and Underwriting
- Mortgage Banking and Analysis
- Bank Secrecy Act
- Sound Judgment
Timeline
Loan Processor
Stockton Mortgage
04.2023 - Current
Loan Processor
Hometown Lenders
04.2019 - 04.2023
Loan Processor
Primemax Mortgage Group
02.2015 - 04.2019
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Jacksonville State University