Melinda Gooding
Marquette,MI
Summary
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer #1432999
Embers credit Union
Marquette , MI
2023.01 - Current
- Submitted applications to credit analysts.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Complied applications and paperwork and double-checked for accuracy.
- Developed and maintained relationships with local real estate agents.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Gathered client debt, credit and income information to determine loan eligibility.
- Helped clients fill out loan applications and find ideal loan options.
Mortgage Loan Production Manager
Embers Credit Union
Marquette , MI
2016.03 - 2022.10
- Managed materials to meet production goals and specific customer demands.
- Reviewed individual employee performance to correct issues and enhance productivity.
Member Service Representative/Consumer Loan Officer
Embers Credit Union
Marquette , MI
2008.08 - 2017.04
- Offered exceptional customer service to differentiate and promote company brand.
- Enhanced member relationships by providing excellent service during each interaction.
- Delivered quality service by assessing, advising and assisting credit union members.
- Achieved goals for member experience, transaction accuracy and product cross-sell, resulting in consistent growth.
- Managed customer conflicts and challenging situations by staying calm and accessing internal knowledgebases to develop strategic solutions.
- Consulted with customers regarding needs and addressed concerns.
- Presented and explained services and products to meet member needs.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Surpassed sales goals through implementation of successful marketing strategies.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed loan agreements to confirm completeness and accuracy.
Financial Counselor
Embers Credit Union
Marquette , MI
2012.05 - 2016.03
- Reviewed and verified financial data to determine program eligibility.
- Helped clientele gain access to available funding sources.
- Interviewed clients to determine income, expenses, financial objectives and risk tolerance in order to develop successful financial plans.
- Answered clients' questions regarding details of financial plans and strategies and explained data in easy-to-understand terms.
- Advised customers on advantages and disadvantages of different product decisions in alignment with individual needs.
Teller Supervisor
Embers Credit Union
Marquette , MI
2003.09 - 2005.05
- Maintained optimal financial controls by securing funds and making accurate transactions.
- Verified amounts and integrity of every check or funds transfer.
- Managed and balanced cash vault, audits and general ledger accounts.
- Supplied tellers with coin and currency.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Prepared official checks for customer and internal bank needs.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Identified transaction errors when debits and credits did not balance.
- Resolved problems or discrepancies concerning customers' accounts.
Receptionist
Embers Credit Union
Marquette , MI
2001.04 - 2003.09
- Served visitors by greeting, welcoming and directing to appropriate personnel.
- Scheduled and confirmed appointments and meetings for management team.
- Answered and directed incoming calls using multi-line telephone system.
- Scheduled and confirmed appointments.
- Updated and recorded customer or client information to maintain accounts.
- Sorted incoming mail and directed to correct personnel each day.
- Greeted visitors entering establishment to determine nature and purpose of visit.
Teller
Embers Credit Union
Marquette , MI
1989.07 - 2001.04
- Cross-sold bank products by answering inquiries, informing customers of new services and promotions.
- Built and maintained client relationships through quality, personalized interactions.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Delivered exceptional service to customers in person or over telephone.
- Counted drawers and reconciled remaining cash to accost for deposits and dispersals.
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Adhered to financial services security and audit procedures.
Education
Financial Counseling Certification
Cuna Mutual
Marquette, MI2012-05
Marquette Senior High School
Marquette, MI1990-06
Art And Design
Northern Michigan University
Marquette, MISkills
- Application Analysis
- Payment Schedule Computation
- Customer Relations
- Attention to Detail
- Creditworthiness Determination
- Loan Processing Coordination
- Product Education
- Financial History Analysis
- Wealth Planning
- Credit History Review
- Basic Mathematics
Certification
- Financial Counseling Certification
- Cuna Mutual- marquette,mi. 05/2012
Timeline
Mortgage Loan Officer #1432999
Embers credit Union
2023.01 - Current
Mortgage Loan Production Manager
Embers Credit Union
2016.03 - 2022.10
Financial Counselor
Embers Credit Union
2012.05 - 2016.03
Member Service Representative/Consumer Loan Officer
Embers Credit Union
2008.08 - 2017.04
Teller Supervisor
Embers Credit Union
2003.09 - 2005.05
Receptionist
Embers Credit Union
2001.04 - 2003.09
Teller
Embers Credit Union
1989.07 - 2001.04
Financial Counseling Certification
Cuna Mutual
Marquette Senior High School
Art And Design
Northern Michigan University
- Financial Counseling Certification
- Cuna Mutual- marquette,mi. 05/2012
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