Melanie Swartz
Ottawa,IL
Summary
Performance-oriented individual with a solid track record of efficient organization, strong analytical acumen, dependability, and a commitment to applying extensive knowledge of DSCR, residential, and home equity loans.
Overview
15
15
years of professional experience
Work History
Custom Framing Apprentice
Heartland By Hand
Ottawa, IL
05.2023 - Current
- Assisted in designing and assembling custom frames under senior framer supervision.
- Prepared materials and tools for efficient project execution.
- Supported client consultations by offering insights on design options and solutions.
- Managed inventory to ensure adequate supply of framing materials.
Analyst II
SitusAMC
Remote
09.2017 - 06.2022
- Conducted thorough due diligence reviews of DSCR lease and fix & flip loans for single-family and multi-family properties.
- Reviewed complete loan packages, analyzing income, appraisals, title reports, and property management agreements.
- Established criteria for inadequate documentation and guideline noncompliance.
- Consistently exceeded production targets through efficient processes.
- Provided support to upper management on additional projects as required.
- Maintained accurate records of all data collected during analysis processes.
Analyst II
SitusAMC
09.2017 - 06.2022
- Highly detailed due diligence reviews of DSCR lease and fix & flip loans for single family and multi-family properties completed based on non-QM guidelines of multiple lender clients.
- Completed detailed reviews of full loan package including but not limited to individual and business entity income, credit report, background check, appraisal (USPAP standards), title report, property management agreement, lease, property taxes and insurance etc.
- Set conditions for insufficient documentation and unmet guideline requirements.
- Completed data input and correction per documentation provided.
- Regularly met production goals with 99% accuracy.
- Frequently coached staff on proper procedures and assisted management with higher level reviews.
Residential and Retail Loan Underwriter
Centrue Bank
Ottawa, IL
01.2014 - 09.2017
- Conducted comprehensive reviews of residential real estate and consumer loan documentation.
- Executed detailed evaluations of full loan packages, assessing income, title, appraisal, property taxes, and insurance.
- Established conditions for insufficient documentation and non-compliance with Fannie Mae and USDA guidelines.
- Managed construction loan draws through project completion, ensuring timely disbursement of funds.
- Prepared review packets and attended internal non-QM loan committee meetings for decision-making.
- Developed and updated appraisal review checklist to enhance accuracy in assessments.
Senior Mortgage Loan Processing Specialist
Centrue Bank
Ottawa, IL
01.2010 - 01.2014
- Reviewed residential real estate loan files, preparing initial disclosures and re-disclosures.
- Verified income, employment, rent, and deposits for comprehensive loan processing.
- Ordered appraisals, title work, and credit reports to facilitate accurate evaluations.
- Ensured flood certifications were obtained to mitigate risk factors in property assessments.
- Coordinated with customers, loan officers, and underwriters to secure necessary documentation.
- Resolved conditions efficiently to ensure timely loan closing processes.
Education
Associate Degree - Business Administration
Illinois Valley Community College
Oglesby, IL05.2008
Skills
- Time and task management
- Verbal and written communication
- Critical thinking and problem-solving
- Effective communication skills
- Adaptability to change
- Team collaboration
- Organizational skills
Hobbies and Interests
- Fitness
- Reading
- Puzzles
- Crafts
- Travel
- Recreational volleyball
Affiliations
Fitness / Volleyball
Reading
Puzzles
Crafts
Travel
Timeline
Custom Framing Apprentice
Heartland By Hand
05.2023 - Current
Analyst II
SitusAMC
09.2017 - 06.2022
Analyst II
SitusAMC
09.2017 - 06.2022
Residential and Retail Loan Underwriter
Centrue Bank
01.2014 - 09.2017
Senior Mortgage Loan Processing Specialist
Centrue Bank
01.2010 - 01.2014
Associate Degree - Business Administration
Illinois Valley Community College
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