Summary
Overview
Work History
Education
Skills
Technical Skills
Timeline
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Melina Hosch

Eagan,MN

Summary

Results-driven Mortgage Lending Manager and Underwriter with extensive experience in leading high-performing teams, optimizing loan portfolios, fraud detection, and delivering exceptional customer service. Expertise lies in developing strategic initiatives to increase loan origination and streamline operations while strongly focusing on all areas of fraud and regulatory compliance. Proven ability to build and maintain strong relationships with clients and partners, driving growth and profitability in competitive markets. Dedicated to providing personalized credit solutions that meet clients' unique financial needs and goals.

Overview

12
12
years of professional experience

Work History

Lending Manager

Wells Fargo Home Mortgage
07.2020 - 04.2024
  • Managed risk effectively by closely monitoring underwriter loan performance and conducting thorough credit assessments/audits.
  • Streamlined the lending process, reducing turnaround time and improving efficiency in loan approvals.
  • Managed internal escalations from partners such as Sales, Processing and Closing.
  • Ensured all state and federal regulatory development classes were completed and well versed by all team members with strong emphasis on ECOA, Reg B, BSA, and TRID.
  • Built a high-performing team of lending professionals through effective recruitment, training, and performance management strategies.
  • Conducted weekly one-on-one meetings with employees to provide performance evaluations, resolve issues, and answer questions.
  • Developed team members to expand their knowledge and skills for advancement.

Consumer Loan Underwriter (SAFE)

Wells Fargo Home Mortgage
04.2012 - 07.2020
  • Analyzed complex income, assets, and credit documentation including personal and business tax returns, bank statements and other financials to determine cash flow for businesses as well as wage earners.
  • Analyzed credit risk while making complex credit decisions to determine ability to repay while following all required guidelines to ensure federal and state compliance and secondary market salability.
  • Proactively managed pipeline to exceed required turn times and create an exceptional customer experience.
  • Exceeded quality inspections, production, and customer loyalty goals.
  • Led trainings for current and new team members on loan review process.
  • Performed audits and coaching for team members seeking higher authority.

Education

Coursework in Business Management

Inver Hills
Inver Grove Heights, MN

Skills

  • Auditing
  • Underwriting
  • Credit and Risk Assessment
  • Compliance
  • Verbal and written communication
  • Operational Efficiency
  • Team Management
  • Decision Making
  • Problem-Solving
  • Self-Motivated
  • Well Organized
  • Analytical Thinking

Technical Skills

Proficient in Microsoft Office Products (Word, Teams, Excel), Tableau, Core.

Timeline

Lending Manager

Wells Fargo Home Mortgage
07.2020 - 04.2024

Consumer Loan Underwriter (SAFE)

Wells Fargo Home Mortgage
04.2012 - 07.2020

Coursework in Business Management

Inver Hills

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Melina Hosch