Melinda Gooding
Marquette,MI
Summary
Dynamic financial professional with extensive experience at Embers Credit Union, excelling in loan processing and team management. Proven track record in building relationships and resolving complex customer issues, enhancing service quality. Adept at risk assessment and staff training, driving operational efficiency and client satisfaction. Committed to delivering tailored financial solutions.
Overview
36
36
years of professional experience
Work History
Lead Teller
Embers Credit Union
Marquette, MI
11.2024 - Current
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Maintained up-to-date knowledge of current bank products and services for customers' convenience.
- Maintained cash drawer within prescribed cash limits and meet cash balancing requirements.
- Collaborated with external vendors to ensure proper maintenance of ATMs and other banking equipment.
- Managed supply of cash for the branch, including ordering cash from the vault as necessary.
Mortgage Lender
Embers Credit Union
Marquette, MI
01.2023 - 11.2024
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Identified valuable solutions for customers with credit problems.
- Established and nurtured relationships with real estate agents and other industry professionals.
- Ensured that all documents were accurately completed prior to submitting them for approval.
- Educated clients on the implications of changes in mortgage rates.
- Prepared detailed reports on loan activity, such as pipeline analysis, volume trends.
- Conducted property appraisals to ascertain loan-to-value ratios.
Mortgage Loan Production Manager
Embers Credit Union
Marquette, MI
05.2020 - 10.2022
- Informed customers of loan application requirements and deadlines.
- Worked closely with executive management team on strategic planning initiatives related to loan production goals.
- Managed a team of loan officers, ensuring that all loans were processed correctly and on time.
- Analyzed financial statements, credit reports, appraisals and other documents related to loans.
- Monitored the entire loan process from origination to closing.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Approved or denied loan applications and explained reasoning behind decisions.
- Developed and implemented loan production strategies to maximize efficiency and increase profits.
Mortgage Lender
Embers Credit Union
Marquette, MI
08.2016 - 05.2020
- Gathered client debt, credit and income information to determine loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Identified valuable solutions for customers with credit problems.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
MSRP/Financial Counselor /Consumer Lender
Embers Credit Union
Marquette, MI
08.2005 - 08.2016
- Reviewed and verified financial data to determine program eligibility.
- Utilized financial planning software to create projections, scenarios, and plans tailored to individual client needs.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Evaluated and approved loan applications based on established criteria.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Prepared reports for customers with delinquent and irreconcilable accounts, helped members get back on financial track. Helped members budget and a financial path.
Teller Supervisor
Embers Credit Union
Marquette, MI
09.2003 - 05.2005
- Conducted performance reviews of tellers, providing feedback on areas of strength and opportunities for improvement.
- Recruited, interviewed, hired, trained, evaluated, managed disciplinary actions, and terminated employees when needed.
- Resolved customer complaints promptly and efficiently while maintaining high levels of customer service.
- Managed daily operations of teller line, ensuring efficient transaction processing and high levels of customer satisfaction.
Receptionist
Embers Credit Union
Marquette, MI
03.2002 - 05.2003
- Performed data entry tasks into various computer systems accurately and promptly.
- Maintained a neat reception area by organizing materials and tidying up furniture.
- Handled customer inquiries and complaints, providing timely and appropriate solutions.
- Delivered administrative support to team members by making copies, sending faxes, organizing documents and rearranging schedules.
Teller
Embers Credit Union
Marquette, MI
07.1989 - 05.2003
- Verified amounts and integrity of every check or funds transfer.
- Continuously updated knowledge about banking products, services, policies and regulations.
- Provided exceptional customer service while accurately processing routine transactions.
- Identified opportunities to refer customers to other areas of the bank for additional services.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Counted currency, coins and checks received to prepare for deposit or Shipment.
Education
Northern Michigan University
Marquette, MI05-1993
Skills
- Customer service
- Transaction processing
- Team management
- Problem solving
- Relationship building
- Risk assessment
- Equipment maintenance
- Loan processing
- Staff training
- Product and service promotion
- Issue resolution
- Cash counting
- Team development
- Customer education
- Daily operations support
- Punctual and reliable
- Problem resolution
- Motivation skills
- Team collaboration and leadership
Timeline
Lead Teller
Embers Credit Union
11.2024 - Current
Mortgage Lender
Embers Credit Union
01.2023 - 11.2024
Mortgage Loan Production Manager
Embers Credit Union
05.2020 - 10.2022
Mortgage Lender
Embers Credit Union
08.2016 - 05.2020
MSRP/Financial Counselor /Consumer Lender
Embers Credit Union
08.2005 - 08.2016
Teller Supervisor
Embers Credit Union
09.2003 - 05.2005
Receptionist
Embers Credit Union
03.2002 - 05.2003
Teller
Embers Credit Union
07.1989 - 05.2003
Northern Michigan University
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