Melina Karayiannis
Houston,TX
Summary
Detail-oriented senior commercial underwriter with exceptional communication and credit analysis skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
8
8
years of professional experience
Work History
Senior Commerical Underwriter
Stellar Bank
01.2026 - Current
- Processing renewal requests as a regional analyst, totaling 81 completed requests thus far.
- Collaborating with lending teams to gather all necessary information to improve efficiency of workflow approvals.
- Underwriting per bank loan policy to ensure efficient approvals and high-quality loans that mitigate risk as needed.
Credit Analyst II
Stellar Bank
11.2024 - 01.2026
- Worked closely with the Bank Office President to underwrite various loan requests for top customer of the Stafford branch with 7 company entities and over $60MM in loan exposure.
- Prepared complex credit memorandums to be presented and approved by regional and executive loan committees.
- Supported four loan officers simultaneously as the sole branch analyst while working closely alongside their lending teams to ensure efficient processes.
- Progressed workflows from origination to credit approval through diligent information gathering, efficient underwriting and strategic time management.
- Supported regional overflow by picking up deals for other branches.
Credit Analyst I
Stellar Bank
10.2023 - 12.2024
- Prepared 40-50 credit memorandums annually totaling approximately $100M in new money requests and renewals.
- Analyzed financial statements and credit data to assess borrower risk and repayment capacity.
- Drafted credit memos for CRE, construction, C&I, lot development, and equipment loan requests in compliance with bank loan policy.
- Collaborated with lending teams and credit officers to structure credit requests and enhance documentation accuracy, ensuring compliance and risk mitigation.
Account Executive
Oracle
11.2021 - 08.2022
- Collaborated with internal field team to strategize and execute sales campaigns for shared territory
- Oversaw full sales cycle with emphasis on identifying and advancing sales opportunities
- Navigated territory focused on installations from direct competitors
Outbound & Inbound Business Development Consultant
Oracle
08.2018 - 10.2021
- Achieved 180% of quota in FY19 Q4, 252% of quota in Q4 FY21 and 274% of quota in Q1 of FY22
- Conducted 30+ discovery calls to identify client needs for SaaS and on-premise back-office application solutions
- Discovered 5 opportunities that progressed to 30-50% of the sales cycle
Owner & Founder
Mina Valore Jewelry
04.2020 - Current
- Overseing inventory management, product photography, shipping & logistics, accounting, advertising, creative direction, social media, and customer service
Education
Financial Accounting - Accounting And Finance
Harvard Online Business School & UCLA Extension
03-2023
Bachelor of Science - Communication Studies
The University of Texas At Austin
Austin, Texas05-2018
Skills
- Credit risk assessment
- Teamwork and collaboration
- Problem-solving
- Time management
- Attention to detail
- Multitasking Abilities
- Underwriting expertise
- Organizational skills
- Financial statement analysis
- Loan structuring
- Liquidity analysis
- Data interpretation
Timeline
Senior Commerical Underwriter
Stellar Bank
01.2026 - Current
Credit Analyst II
Stellar Bank
11.2024 - 01.2026
Credit Analyst I
Stellar Bank
10.2023 - 12.2024
Account Executive
Oracle
11.2021 - 08.2022
Owner & Founder
Mina Valore Jewelry
04.2020 - Current
Outbound & Inbound Business Development Consultant
Oracle
08.2018 - 10.2021
Bachelor of Science - Communication Studies
The University of Texas At Austin
Financial Accounting - Accounting And Finance
Harvard Online Business School & UCLA Extension