Melanie Fernandez
Port Jefferson Station,NY
Summary
Knowledgeable and efficient professional with 3 years of experience in the financial industry, adept in Loan documentation analysis and fostering teamwork in a fast paced environment. Excelled in enhancing loan processing efficiency and customer satisfaction. Skilled in Microsoft Excel and bilingual communication, consistently meeting high-stakes deadlines and regulatory compliance.
Overview
9
9
years of professional experience
Work History
Commercial Loan Processor II
Flagstar Bank
11.2021 - Current
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked on High profile $50MM+ Loans with customers/brokers via telephone and email to answer questions, process transactions, and resolve issues.
- Managed deadlines and expectations
- Consulted with outside vendors to identify and resolve loan closing issues.
- Ordered third party reports such as but not limited to Phase I, PCA, Appraisal, Flood, and Credit reports.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Utilized loan origination software to process and track loan applications.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Assisted in Loan Covenant tracking projects and created PowerPoints for the Lending Department.
Hostess & Waitress
Jeffersons Ferry Active Retirement
03.2016 - 05.2021
- Supported servers, food runners, and bussers with keeping dining area ready for 200+ daily residents.
- Greeted customers warmly upon arrival and provided friendly and warm presence throughout dining experience.
- Completed daily side work and opening and closing duties without fail.
- Trained new hostesses on customer service best practices and restaurant policies to maintain high standards of service.
- Minimized customer service complaints by expertly managing customer expectations during busy periods.
- Organized, stocked and cleaned establishment's front lobby during shifts to maintain welcoming appearance.
Style Advisor & Cashier
Justice Tween Brands
11.2015 - 05.2019
- Maximized brand sales by leveraging opportunities for upselling additional clothing items, shoes, and accessories.
- Merchandised store inventory in seasonal and brand displays.
- Developed and implemented individual outfits tailored to each client.
- Built relationships with customers to encourage repeat business.
- Used POS system to enter orders, process payments and issue receipts.
- Advertised and opened over 50 store credit cards per year
Education
Bachelor of Science - Finance & Business Analytics
Suny New Paltz
New Paltz, NY12-2020
Skills
- Financial statement analysis
- Documentation Review
- Teamwork and Collaboration
- Customer Service
- Attention to Detail
- Proficient in Microsoft Excel, Word, Access & PowerPoint
- Organized and Multitasker
- Data Entry
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Software
NewGen
FiserV DNA
Timeline
Commercial Loan Processor II
Flagstar Bank
11.2021 - Current
Hostess & Waitress
Jeffersons Ferry Active Retirement
03.2016 - 05.2021
Style Advisor & Cashier
Justice Tween Brands
11.2015 - 05.2019
Bachelor of Science - Finance & Business Analytics
Suny New Paltz
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