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. Proficient in Microsoft Excel and bilingual communication, consistently meeting high-stakes deadlines and regulatory compliance.
Overview
9
9
years of professional experience
Work History
Relationship Associate Sr
Flagstar Bank, N.A.
11.2021 - Current
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Assisted Relationship Managers with origination and closing processes to fastrack procedures with a diverse portfolio of clients of up to $50MM+ loans.
- Met deadlines and expectations diligently while promoting teamwork.
- Set up, tracked and completed loan submission packages utilizing the loan origination software, NewGen.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Ordered and performed preliminary review on third party reports such as but not limited to Phase I, PCA, Appraisal, Flood and Credit reports.
- Assisted Portfolio Managers with remediating outstanding credit and closing conditions.
- Familiar with Dual Risk Model & Underwriting Model.
- Collected documents for Portfolio Managers, required to complete underwriting model (cashflow).
- Familiar with pertinent loan regulation changes, underwriting and Banks procedures such as BSA/AML.
- Supported special projects with upper management such as NewGen testing & re-branding and created training PowerPoints for the processing department, gaining valuable exposure to high-level strategies.
- Assisted in loan Covenant tracking and Problem Asset report projects.
- Familiar with closing documents.
Hostess & Waitress
Jeffersons Ferry Active Retirement
03.2016 - 05.2021
Lead Style Advisor
Justice Tween Brands
11.2015 - 05.2019
Education
Bachelor of Science - Finance & Business Analytics
Suny New Paltz
New Paltz, NY12-2020
Skills
- Proficient in Microsoft Excel, Word, Access & Powerpoint
- Documentation Analysis
- Data entry
- Organized and Multitasker
- Teamwork and Collaboration
- Customer Service
- Attention to Detail
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Relationship Associate Sr
Flagstar Bank, N.A.
11.2021 - Current
Hostess & Waitress
Jeffersons Ferry Active Retirement
03.2016 - 05.2021
Lead Style Advisor
Justice Tween Brands
11.2015 - 05.2019
Bachelor of Science - Finance & Business Analytics
Suny New Paltz
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