Melinda Tanner Adams, Ed.D.
Atlanta,Georgia
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 05 years of assisting clients, processing home and business loans. Knowledgeable in financial procedures
to analyze financial resources to determine applicant's ability to repay requested loans. Determined Loan Specialist with success boosting productivity and streamlining procedures for organizations. Focused on smoothly overseeing financial, personnel and operational facets. Expertly balanced targets with resources and optimized long-term success. Reliable current employee seeking a fulltime Loan Officer position. Offering excellent communication and good judgment.
Overview
25
25
years of professional experience
Work History
Small Business, LOAN SPECIALIST
FEDERAL GOVERNMENT
Atlanta, GA
05.2021 - Current
- Process home and business loans and make recommendations on collateral needed to secure loans
- Respond orally and in writing to applicants or their representations
- Review and approved loan modification increases
- Apply accepted financial procedures to analyze financial resources to determine an applicant’s ability to repay requested loans
- Review all pertinent facts needed to make eligibility determinations
- Ensure all loan files contain all pertinent documentation, recommendations and or conclusions
- Process loan applications on web-based computer system
- Communicate with applicants orally and or written.
- Work Mandatory overtime weekly
- Investigate and evaluate credit history to determine credit worthiness of individuals or businesses
- Make recommendations or decisions to approve or decline business loans.
- Follow supervisors direcIves and implement new guidelines for loan approves or declines
- Days worked per week - 6 Days and for Special Projects, 7 Days 40-80 hours per week with mandatory overJme.
- Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
- Used business software packages to maintain files and administrative records.
- Maintained up-to-date administrative records to monitor operational conditions.
- Achieved financial savings through powerful cost reduction strategies.
- Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
- Outlined finances, goals and daily operations of company in detailed business plans.
- Determined best courses of action for company based on regional market trends and demands.
- Provided elite customer service by resolving escalated problems and calmly responding to shifting priorities.
- Frequently studied market to keep abreast of new industry trends.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Set, enforced and optimized internal policies to maintain responsiveness to demands.
- Proactively identified solutions for customers experiencing credit issues.
DISASTER RECOVERY SPECIALIST
Small Business Administration
03.2020 - 12.2020
- As a Disaster Recovery Specialist my typical work assignments include:
- Responded to a variety of customer inquiries, ranging from routine to complex, and providing detailed information to the public regarding federally declared disasters and SBA's disaster loan program
- Prepared written responses to email inquiries received through SBA's disaster customer service mailbox
- Assisted lower graded or new employees with responding to customer service inquiries received by telephone or email
- Assisted borrowers with completion of their loan closing documents and answering questions regarding the loan closing and disbursement process
- Accepted borrower payments using online payment processing tools
- Used a variety of computer systems to research customer inquiries, record call activity and prepare appropriate forms and letters
- Days worked per week - 6 Days and for Special Projects, 7 Days 40-80 hours per week with mandatory overtime
- Disaster Recovery Specialist Training Received:
- DCMS 2.0
- Kept informed of activities or changes that could affect likelihood of emergencies, factors that could affect response efforts and details of plan implementation.
- Maintained current understanding of local, state and federal guidelines for emergency response.
- Built and strengthened relationships with area governments, departments and agencies to manage effective planning and implementation of emergency response strategies.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Maintained energy and enthusiasm in fast-paced environment.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Small Business AdministraIon
Small Business Administration
Herndon, VA
10.2017 - 11.2018
- Loss Verifier
- Construction Analyst, SBA Damage Verification Center–Loss Verifier- GS-11-40- 70 hours per week
- Days worked per week 6 - 7 days, with mandatory overtime
- Duty Stations: Herndon, Virginia, Miami, Florida, Ft
- Pierce, Florida, Ft
- Myers, Florida and Puerto Rico
- As a Construction Analyst GS-11, employed by the SBA, Damage Verification Center, my duties included 3 job experiences: Loss Verifier, Reviewer and Post Desktop On-Site Verifier (Business, Non-Profits, Residential)
- I have performed the following duties: Determined basic construction costs for a particular geographical area and was responsible for collecting, weighing, analyzing, tabulating and maintaining cost data to be used by the SBA in determining funding for disaster applicants
- Provided professional inspection reports on real and personal property for residential clients, inventory, equipment, furniture and building components damaged for Business and Nonprofit entities who submitted applications to the SBA for loan assistance due to a Natural Disaster
- Conducted on-site damage assessments to personal, real and business property and estimated
- The cost of repairs or replacement of damaged business properties that resulted from the declared disaster by SBA
- Determined construction elements and characteristics of commercial, Industrial and Residential structures, structural integrity, foundations, framing roof, building size as well as construction classification.
- Determined the cause and extent of damages and methods of making repairs to residential and business structures
- Used SBA issued IPAD and Desktop Computer daily to communicate, receive assignments, estimate losses, and transmit completed files to be reviewed and processed on a daily basis
- Estimated the cost of repairs or replacement of damaged business properties, scheduled appointments with applicants for access to subject properties for damage verification, preparing and submitting reports within agencies allotted time frame
- Use effective measuring devices for field measure, sketch and calculate square footage of structures
- Reviewed damaged properties, evaluate the value of losses to residential, business or nonprofit entities and determined if the observed property is a minor or major loss based upon SBA guidelines
- Performed re-verification inspections and prepared reports as prescribed by the agency.
- Traveled to Miami, Ft Pierce and Ft. Myers, Florida and Puerto Rico to fulfill the needs of the agency in completing files for these disaster areas
- Estimated the costs necessary to reconstruct, repair or replace allowed loss within the prescribed guidelines for the SBA
- Used SBA proprietary reporting software to describe the applicant’s structure, including the current building condition, material makeup of the structure and building classification.
- Maintained professionalism with all applicants while providing and assisting with the services of the SBA Disaster Assistance Program
- Provided exemplary customer service while obtaining required information for the file, displayed compassion, empathy and concern for all clients
- The average hours worked as a Loss Verifier was 40-70 hours per week and mandatory overtime hours as determined by my immediate supervisor.
- My work day ranged from 5 to 7 days per week, 8 to 12 hours a day.
OWNER
Hamilton And Harris Educational Consulting Company
ATLANTA, GEORGIA
04.2009 - 01.2016
- Managed day-to-day business operations.
- Consulted with customers to assess needs and propose optimal solutions.
- Trained and motivated employees to perform daily business functions.
- Enhanced operational efficiency and productivity by managing budgets, accounts and costs.
- Recruited, hired and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Created and monitored promotional approaches to increase sales and profit levels.
- Reconciled daily sales, returns and financial reports in QuickBooks.
- Remained up-to-date on current trends and attended industry trade shows and markets to view and order inventory.
- Optimized team hiring, training and performance.
- Cultivated forward-thinking, inclusive and performance-oriented business culture to lead industry in innovation and push progress.
- Reduced personnel turnover and promoted employee development by recruiting team-oriented candidates and implementing new training practices.
- Established and administered annual budget with controls to prevent overages, minimize burn rate and support sustainability objectives.
- Generated revenues yearly and effectively capitalized on industry growth.
Principal
Academy of Lithonia Charter School
LITHONIA, GEORGIA
08.2007 - 01.2009
- Oversaw schedule management and protocols for orientation, registration and related activities.
- Trained teachers on effective teaching techniques, classroom management strategies and behavior modification.
- Cultivated positive relationships between community members, school students and teachers.
- Mentored newly hired educators and provided encouragement and feedback.
- Monitored student behavior and enforced discipline policies.
- Prepared school budget and submitted to school board with recommendations for hiring, capital expenditures and cost-saving initiatives.
- Performed classroom evaluations to assess teacher strategies and effectiveness.
- Administered personnel policies and procedures for school faculty and staff.
- Facilitated continued education for teaching staff through implementation of quality curriculum training and appropriation of necessary resources.
- Administered standardized tests to evaluate student performance and progress.
- Supported hiring, training, and disciplinary action in compliance with legal guidelines and requirements.
- Established positive, stimulating learning environment for students and exciting education-focused setting for teachers.
- Modeled expected and appropriate leadership to promote to teaching staff and administrative personnel positive interaction with students and families.
- Instructed small groups of teachers and students.
- Verified adherence to state, federal and private funding source requirements across programs and outcomes.
- Established instructional practices driven through statistical performance data.
- Collaborated with [Job title] to develop functional budgets within allocated funds.
Assistant Principal
Floyd Middle School
Mableton, GA
06.2006 - 06.2007
- Built and maintained positive relationships with diverse stakeholders, such as parents, school volunteers and outside agencies.
- Monitored student behavior and enforced discipline policies.
- Performed classroom evaluations to assess teacher strategies and effectiveness.
- Partnered with Principal to administer school program in alignment with vision and goals, providing positive, high-expectation academic environment.
- Built productive relationships with parents of students facing difficult situations at school or at home.
- Trained teachers on effective teaching techniques, classroom management strategies and behavior modification.
- Oversaw schedule management and protocols for orientation, registration and related activities.
- Modeled expected and appropriate leadership to promote teaching staff and administrative personnel's positive interaction with students and families.
- Led meetings to convey policy changes, gather information and assess employee thoughts.
- Assisted with compliance efforts for fire and other safety regulations.
- Verified adherence to state, federal and private funding source requirements across programs and outcomes.
- Developed subject and grade leaders to advance oversight and improve instruction.
Special Education Department Chair
Pebblebrook High School
Mableton, GA
08.2004 - 06.2006
- Directed day-to-day operations of education program and supervised support staff to delegate assignments and evaluate performance.
- Developed curriculum and lesson plans to achieve objectives of each course.
- Planned and implemented staff development and in-service training programs to enhance knowledge and skills.
- Evaluated programs and monitored implementation and compliance with regulations to achieve objectives.
- Conferred and resolved education-related issues and problems with students, parents and school officials.
- Designed or used assessments to monitor student learning outcomes.
- Scheduled educational activities, faculty lectures and departmental events to drive mission and values of institution.
- Checked on instructor lessons and communication in order to assess quality of education and assistance offered to students.
- Met coverage goals by setting effective schedules and delegating work to individual instructors.
- Planned, administered and controlled budgets and produced financial reports.
- Advised students on course selection, credits toward graduation and career decisions.
Elementary School Assistant Principal
The School Board Of Broward County
Coral Springs, FL
12.1992 - 06.2004
- Built and maintained positive relationships with diverse stakeholders, such as parents, school volunteers and outside agencies.
- Partnered with Principal to administer school program in alignment with vision and goals, providing positive, high-expectation academic environment.
- Supervised and evaluated teaching and support staff through instructional leadership and professional development.
- Monitored student behavior and enforced discipline policies.
- Oversaw schedule management and protocols for orientation, registration and related activities.
- Led meetings to convey policy changes, gather information and assess employee thoughts.
- Built productive relationships with parents of students facing difficult situations at school or at home.
- Modeled expected and appropriate leadership to promote teaching staff and administrative personnel's positive interaction with students and families.
- Instructed small groups of teachers and students.
- Supported special education department by developing programs and protocols for at-risk youth and students with special needs.
- Administered personnel policies and procedures and approved professional staff additions.
- Analyzed and interpreted government regulations and professional journals to verify educational initiative conformance to legal and quality requirements.
- Collaborated with system's [Job title] to develop functional budgets within allocated funds.
Education
Doctorate of Education Degree - Educational Leadership
Nova Southeastern University
Fort Lauderdale, FL01.1998
Master of Science Degree - Educational Administration
Nova Southeastern University, Leadership
Fort Lauderdale, FL09.1991
Bachelor of Arts Degree -
Bethune-Cookman College
Daytona Beach, FL04.1979
Skills
- Loan File Review
- Mathematical Calculation and Reasoning
- Referral Network Development
- Team Leadership
- Customer Relations
- Loan File Maintenance
- Decision Making
- Attention to Detail
- Financial Statement Review
- Income Evaluation
- Loan Processing Coordination
- Credit History Review
- Records Organization and Management
- Financial History Analysis
- Verbal and Written Communication
- Problem Solving
- Creditworthiness Determination
- Loan Feasibility Assessment
- Budget Control
- Client Interview
- Customer Service
- Experian Credinomics
- Microsoft Office
- Oral and Written Comprehension
- Analytical and Critical Thinking
- Deadline Management
Affiliations
EPCP Alumni Chapter of Delta Sigma Theta Sorority, Inc.
Harvard University Leadership InsItuIon Member
Professional Women Network AssociaIon
Phi Delta Kappa
Member-NaIonal Alumni AssociaIon – Bethune-Cookman College
NaIonal AssociaIon of Female ExecuIves, Leadership - Planning, organizing
EffecIve Wri^en and Oral CommunicaIon
Technology
Analyzing Data and Providing Data to Stakeholders
EffecIve Customer Service
Time Management
Office Management
Personnel Management
Compliance Knowledge
Payroll
Human Resources
Interpersonal Skills
Additional Information
- AWARDS AND HONORS , Harvard University Summer Leadership ParJcipant Inducted in the ConsorJum of Doctors Edward Rodriquez Award-NaIonal Alumni AssociaIon – Bethune-Cookman College NaIonal Alumni AssociaIon Leadership Award - Bethune-Cookman College Outstanding Teacher RecogniIon – Volusia County, Florida Outstanding Mentor RecogniIon - Mt. Bethel BapIst Church Outstanding Leadership Award – Bethune-Cookman College
Timeline
Small Business, LOAN SPECIALIST
FEDERAL GOVERNMENT
05.2021 - Current
DISASTER RECOVERY SPECIALIST
Small Business Administration
03.2020 - 12.2020
Small Business AdministraIon
Small Business Administration
10.2017 - 11.2018
OWNER
Hamilton And Harris Educational Consulting Company
04.2009 - 01.2016
Principal
Academy of Lithonia Charter School
08.2007 - 01.2009
Assistant Principal
Floyd Middle School
06.2006 - 06.2007
Special Education Department Chair
Pebblebrook High School
08.2004 - 06.2006
Elementary School Assistant Principal
The School Board Of Broward County
12.1992 - 06.2004
Doctorate of Education Degree - Educational Leadership
Nova Southeastern University
Master of Science Degree - Educational Administration
Nova Southeastern University, Leadership
Bachelor of Arts Degree -
Bethune-Cookman College