Melinda Ann McVay
Cincinnati,OH
Summary
Versatile team member ready to take on any required task and adapt to changing conditions with resourceful and hardworking mindset. Dedicated to business success, eager to learn more about skills and to advance professionally. Holds quality and teamwork in high esteem.
Flexible team member recognized for completing quality work with minimal supervision. Highly organized individual with years of experience in the mortgage industry.
Overview
27
27
years of professional experience
Work History
Private Banking Team Member
TATA Consultancy Services
Cincinnati, OH
01.2022 - Current
- Collaborated with team members to deliver client solutions effectively.
- Supported project management tasks by updating processes, maintaining documentation and schedules.
- Review of all mortgage documents and calculation of of income.
- Currently tasked with several process rolls including commitment review, closing review, initial Texas closing review and disbursement review.
- Engaged in training sessions to enhance skills and knowledge in processes.
- Upheld high standards of productivity and quality in operations.
Underwriter II
5th 3rd Bank
12.2013 - 07.2015
- Evaluated loan applications for creditworthiness and risk assessment.
- Reviewed policies and guidelines to ensure compliance with regulations.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined appropriate loan structure based on customer needs, company policy and regulatory guidelines.
- Ordered, analyzed and verified accuracy of appraisals, title documents, tax returns, payoffs, verifications of employment and other credit stipulations including income documentation.
Senior Associate Underwriter/Underwriter I
5th 3rd Bank
03.2010 - 12.2013
- Collect, order, evaluate, analyze and clear appraisals, title documents, tax returns, payoffs, verifications of employment and other credit stipulations including income. documentation.
- Collaborated with loan officers to clarify documentation and underwriting requirements.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Issued clear written conditions for approval of mortgage loans.
Post Closing Assistant
5th 3rd Bank
08.2009 - 03.2010
- Made sure each loan was compliant within its own state laws and regulations.
- Coordinated with internal teams to resolve discrepancies in closing packages.
- Performed post-closing checks of mortgage loan documentation for accuracy and completeness post-closing.
Loan Processing Assistant
5th 3rd Bank
06.2009 - 07.2009
- Provided administrative assistance to the residential loan officer and staff, including updating loan data for entry into the financial institution's computer system and assembling documentation for residential loans.
- Reviewed loan documents for accuracy and completeness.
- Collaborated with underwriters to resolve any issues on a timely basis.
Field Specialist
Mosaic
04.2008 - 05.2009
- In charge of a 9 store district territory.
- Conducted regular site inspections to maintain quality and safety standards.
- Installed, tested, serviced, repaired, configured, calibrated, and upgraded systems and components.
Loan Officer
Interactive Financial Corp.
11.2006 - 06.2007
- Primary responsibility to sell mortgage products to individual homeowners.
- Collaborated with clients to determine financial needs and loan options.
- Developed strong relationships with clients to foster trust and loyalty.
- Developed and maintained relationships with potential customers to increase loan business.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
Loan Officer
Ace Mortgage Funding
Cincinnati, OH
05.2006 - 11.2006
- Evaluated loan applications for creditworthiness and compliance with regulations.
- Collaborated with clients to determine financial needs and loan options.
- Managed documents and data using loan processing software efficiently.
- Reviewed and verified financial statements for accuracy and completeness.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
Loan Sales Executive
Beneficial, member HSBC Group
Cincinnati, Ohio
08.2004 - 03.2006
- Facilitated loan applications and guided clients through the approval process.
- Developed strong relationships with clients to understand their financial needs.
- Analyzed client information to recommend suitable loan products and services.
- Provided ongoing support to clients throughout the loan lifecycle effectively.
- Reviewed financial statements, tax returns and other documents related to loan applications.
- Assisted customers in completing paperwork required for obtaining a loan.
- Engaged regularly with existing customers through phone calls, emails and face-to-face meetings.
Bank Teller
Provident Bank
Cincinnati, OH
08.2001 - 07.2004
- Processed customer transactions accurately and efficiently at Provident Bank.
- Assisted customers with account inquiries and provided product information.
- Managed cash drawer and balanced daily transactions to ensure accuracy.
Claims Processor Ii
Great American Insurance Group
Cincinnati, Ohio
02.1999 - 10.2000
- Processed insurance claims efficiently using specialized software systems.
- Reviewed claim documents for accuracy and completeness before submission.
- Communicated with clients to gather necessary information for claims processing.
- Processed a high volume of incoming claims in accordance with established policies and procedures.
- Verified claim data correctness in preparation for processing.
Education
Bachelor of Science - Criminal Justice and Human Services
University of Cincinnati
Skills
- Mortgage underwriting
- Attention to detail
- Problem solving
- Product knowledge
- Quality assurance
Timeline
Private Banking Team Member
TATA Consultancy Services
01.2022 - Current
Underwriter II
5th 3rd Bank
12.2013 - 07.2015
Senior Associate Underwriter/Underwriter I
5th 3rd Bank
03.2010 - 12.2013
Post Closing Assistant
5th 3rd Bank
08.2009 - 03.2010
Loan Processing Assistant
5th 3rd Bank
06.2009 - 07.2009
Field Specialist
Mosaic
04.2008 - 05.2009
Loan Officer
Interactive Financial Corp.
11.2006 - 06.2007
Loan Officer
Ace Mortgage Funding
05.2006 - 11.2006
Loan Sales Executive
Beneficial, member HSBC Group
08.2004 - 03.2006
Bank Teller
Provident Bank
08.2001 - 07.2004
Claims Processor Ii
Great American Insurance Group
02.1999 - 10.2000
Bachelor of Science - Criminal Justice and Human Services
University of Cincinnati