Melanie Dechert
Pardeeville
Summary
Dynamic Mortgage Loan Officer with a proven track record in member-focused service and mortgage loan origination. Expert in regulatory compliance and financial analysis, successfully managing a high-volume pipeline while fostering long-term relationships. Committed to delivering tailored financial solutions that empower members to achieve homeownership.
Overview
20
20
years of professional experience
Work History
Mortgage Loan Officer
Landmark Credit Union
Beaver Dam, WI
01.2024 - 05.2026
- Assisted credit union members in achieving homeownership by providing personalized mortgage lending solutions and financial guidance.
- Reviewed and analyzed member financial information, including income, assets, credit history, and debt, to determine loan eligibility.
- Educated members on mortgage products, loan programs, interest rates, and the home financing process.
- Collected, verified, and maintained accurate loan documentation while ensuring compliance with federal regulations, credit union policies, and lending guidelines.
- Worked collaboratively with processors, underwriters, title companies, and other departments to ensure a smooth and timely loan closing experience.
- Delivered exceptional member service by responding promptly to questions, providing regular loan updates, and building long-term member relationships.
- Maintained confidentiality of sensitive financial information while adhering to all regulatory and ethical standards.
- Identified opportunities to strengthen member relationships by recommending appropriate financial products and services that met members’ needs.
- Managed a high-volume pipeline of mortgage applications while maintaining accuracy, organization, and attention to detail.
- Contributed to the credit union’s mission by providing trusted financial guidance and helping members make informed borrowing decisions.
Mortgage Loan Officer
Westby Co-Op Credit Union
Portage, WI
05.2022 - 01.2024
- Assisted credit union members in achieving homeownership by providing personalized mortgage lending solutions and financial guidance.
- Reviewed and analyzed member financial information, including income, assets, credit history, and debt, to determine loan eligibility.
- Educated members on mortgage products, loan programs, interest rates, and the home financing process.
- Collected, verified, and maintained accurate loan documentation while ensuring compliance with federal regulations, credit union policies, and lending guidelines.
- Worked collaboratively with processors, underwriters, title companies, and other departments to ensure a smooth and timely loan closing experience.
- Delivered exceptional member service by responding promptly to questions, providing regular loan updates, and building long-term member relationships.
- Maintained confidentiality of sensitive financial information while adhering to all regulatory and ethical standards.
- Identified opportunities to strengthen member relationships by recommending appropriate financial products and services that met members’ needs.
- Managed a high-volume pipeline of mortgage applications while maintaining accuracy, organization, and attention to detail.
- Contributed to the credit union’s mission by providing trusted financial guidance and helping members make informed borrowing decisions.
Mortgage Loan Officer
Homefinity
Madison, WI
08.2020 - 03.2022
- Assisted borrowers nationwide with residential mortgage financing through phone, email, video conferencing, and online lending platforms.
- Guided clients through the digital mortgage application process from initial inquiry through loan closing.
- Evaluated borrower financial information, including income, assets, credit, and debt, to determine loan eligibility and recommend appropriate mortgage products.
- Collected, reviewed, and verified loan documentation to ensure accuracy and compliance with lending guidelines and regulatory requirements.
- Maintained consistent communication with borrowers, processors, underwriters, title companies, and real estate professionals to provide timely updates and facilitate efficient loan closings.
- Delivered exceptional customer service by educating borrowers on loan options, interest rates, and the mortgage process while addressing questions and concerns.
- Managed a high-volume pipeline of mortgage applications using loan origination systems (LOS), CRM software, and other digital tools.
- Ensured compliance with all applicable federal, state, and investor lending regulations, including TRID, RESPA, TILA, and HMDA.
- Built trust and long-term relationships with borrowers through responsive communication, professionalism, and personalized financial guidance.
- Consistently met production, quality, and service goals while maintaining a high level of accuracy and attention to detail.
Mortgage Loan Officer
Summit Credit Union
Portage, WI
09.2006 - 08.2020
- Assisted credit union members in achieving homeownership by providing personalized mortgage lending solutions and financial guidance.
- Reviewed and analyzed member financial information, including income, assets, credit history, and debt, to determine loan eligibility.
- Educated members on mortgage products, loan programs, interest rates, and the home financing process.
- Collected, verified, and maintained accurate loan documentation while ensuring compliance with federal regulations, credit union policies, and lending guidelines.
- Worked collaboratively with processors, underwriters, title companies, and other departments to ensure a smooth and timely loan closing experience.
- Delivered exceptional member service by responding promptly to questions, providing regular loan updates, and building long-term member relationships.
- Maintained confidentiality of sensitive financial information while adhering to all regulatory and ethical standards.
- Identified opportunities to strengthen member relationships by recommending appropriate financial products and services that met members’ needs.
- Managed a high-volume pipeline of mortgage applications while maintaining accuracy, organization, and attention to detail.
- Contributed to the credit union’s mission by providing trusted financial guidance and helping members make informed borrowing decisions.
Education
Associate of Science -
Madison College
Madison, WI05.2012
Skills
- Member-focused service
- Mortgage loan origination
- Residential mortgage lending
- Financial counseling and education
- Loan application processing
- Credit and financial analysis
- Income, asset, and employment verification
- Mortgage product knowledge (Conventional, FHA, VA, USDA)
- Regulatory compliance (TRID, RESPA, TILA, HMDA)
- Attention to detail
- Relationship building
- Cross-functional collaboration
- Clear verbal and written communication
- Problem-solving
- Time management
- Organization and multitasking
- Loan pipeline management
- Documentation accuracy
- Confidential handling of confidential financial information
- Member relationship development
- Needs-based financial solutions
- Microsoft Office Suite
- Loan Origination Systems (LOS)
- Customer Relationship Management (CRM) software
These skills highlight what credit unions typically value most: exceptional member service, integrity, teamwork, regulatory compliance, and helping members make informed financial decisions
Timeline
Mortgage Loan Officer
Landmark Credit Union
01.2024 - 05.2026
Mortgage Loan Officer
Westby Co-Op Credit Union
05.2022 - 01.2024
Mortgage Loan Officer
Homefinity
08.2020 - 03.2022
Mortgage Loan Officer
Summit Credit Union
09.2006 - 08.2020
Associate of Science -
Madison College