Melanie Ledford

Benton,KY

Summary

While attending Murray State University in 1998, I started working in banking as a teller. Five years later, I shifted to loan processing. Having worked for a local bank in Kentucky for almost 12 years, processing all types of loans in-house, I gained experience with mortgage loans, home equity loans, auto loans, unsecured loans, and even floor plan loans. In 2015 my family moved to the St. Louis area to accommodate my husband’s career. There, I took a position at another bank as a commercial mortgage loan processor. Less than a year later, I made the transition to Homestead Financial Mortgage as a secondary market mortgage loan processor. I am now also a licensed mortgage loan advisor with Homestead. I have been working for my current company for over 8 years. We just recently moved back to Kentucky. I continued with my job working remotely.

Overview

years of professional experience

Work History

Mortgage Loan Processor

Homestead Financial Mortgage

01.2016 - Current

Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

Commerical Loan Processor

FCB Banks

03.2015 - 12.2015

Ensured compliance with industry regulations through thorough due diligence and attention to detail in loan applications.
Coordinated closing process with attorneys, title companies, and government clerks.
Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
Processed loans within various departments to achieve timely, accurate, and fair proceedings.

Loan Processor

First Financial Bank FKA Heritage Bank

03.2003 - 12.2014

Assisted in the development of new loan products by researching market trends and identifying potential opportunities.
Monitored pipelines to track and log status of loans.
Compiled closing packages for drafting and presentation accuracy.
Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
Dealer finance loans with local car dealerships
Floor plan loans with local trailer company

Education

Associate of Arts - Business Administration

Murray State University

Murray, KY

05.2004

High School Diploma -

Marshall County High School

Benton, KY

05.1996

Skills

Application Review
Customer Service
Mortgage Broker Collaboration
CRM Software
Financial Data Collection
Information Verification
Appraisals
Credit Applications
Escrow Coordination
Processing procedures
Credit Verification
Loan Disbursement
Regulatory Compliance
Collateral Value Checks
Consumer Loan Underwriting
Extensions of Credit
Legal Documentation
Loan Packaging
Mortgage Loan Processing
Loan Closing Procedures
File Management
Title Abstracts
Customer Communication
Underwriting knowledge
Property Appraisals
Loan Application Preparation
Policy Adherence
Financial Information Monitoring
Application preparation
Funds Disbursement Application

Residential mortgage lending regulations
Document Review
Title Examination
Accredited Mortgage Professional
Data Entry
Proficient in [Software]
Decision-Making
Legal Compliance
Data Collection
Closing support
Loan origination software
Personal Data Collection
Bank Secrecy Act BSA
Problem-Solving
Mortgage Closing Scheduling
Certified Residential Mortgage Specialist
Employment Verification
Lending Software Systems
Appraisal review
Microsoft Word
Relationship Building
Problem Resolution
Verbal Communication
Data Management
Organization and Time Management
Organizational Skills
Flexible and Adaptable
Team building
Multitasking Abilities
Teamwork and Collaboration

Timeline