Open To Work
Melinda Yunger
Hamilton,OH
Summary
Mortgage Loan Processor with strong communication skills and extensive experience in consumer research. Proven ability to balance consumer needs with company objectives, enhancing customer retention. Demonstrates high accuracy and efficiency in problem-solving and critical thinking. Experienced in independently resolving issues with minimal oversight. Seasoned Senior Mortgage Loan Processor skilled in guiding clients through the complex loan process with ease. Strong background in assessing creditworthiness, reviewing financial statements and determining appropriate loan amounts. Skilled at maintaining strong relationships with both clients and lenders to ensure seamless transactions. Known for effectively managing high-volume workload while ensuring each client receives top-notch service.
Overview
13
13
years of professional experience
1
1
Certification
Work History
VA CASH OUT CUSTOMER ADVOCATE
MODER LLC
10.2024 - 08.2025
- Utilized various software tools such as CRMs or ticketing systems for tracking purposes.
- Developed strong relationships with customers to promote loyalty and satisfaction.
- Escalated complex customer cases as necessary to appropriate teams and departments.
- Assisted customers in navigating the company website for answers to commonly asked questions.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Monitored incoming calls, emails, chats, and other communication channels for customer inquiries.
- Verified the VA case number, LDG/GSA, and Certificate of Eligibility.
- Reviewed and verified that all disclosures and VA disclosures were marked correctly and signed.
- Calculated income from pay stubs, Social Security, and tax returns.
- Collected and processed data and documentation for customers submitting deposits, rent/mortgage information.
- Review tax returns and tax transcripts.
- Guided customers through the comprehensive and cumbersome finance process.
- Fort Lauderdale, FL (remote).
MORTGAGE LOAN PROCESSOR 2
HUNTINGTON NATIONAL BANK
Columbus, USA
03.2016 - 09.2023
- Streamlined daily operations of mortgage loans and documentation, including reviewing all needed closures, credit checks, employment verification, and appraisals.
- Submitted files meeting underwriting conditions.
- Ordered PMI, title work, appraisal, survey, inspections, and credit reports.
- Collected and processed data and documentation for customers submitting deposits, rent/mortgage info, and tax transcripts.
- Ordered and processed the flood certificate, homeowners and flood insurance, and mortgage clauses.
- Verified the FHA and VA case number, LDG/GSA, and Certificate of Eligibility.
- Calculated income from paystubs, social security, tax returns, and bank statements.
- Prepared and communicated the final numbers with customers.
- Partnered with customers, banks, underwriters, and third-party advocates to close mortgage loans.
- Ensured the timely processing of loans, enhancing customer service excellence.
- Built mutually beneficial relationships with all internal and external stakeholders, including realtor partners and prospective clients.
- Guided prospects through the comprehensive and cumbersome homebuying process.
- COLUMBUS/OHIO (Remote)
SENIOR MORTGAGE LOAN PROCESSOR
FIRST COMMONWEALTH BANK
Columbus, USA
09.2015 - 02.2016
- Provided with a welcoming atmosphere of support and guidance, helping where needed.
- Actively monitored the daily pipeline to ensure timely closings of loans in process.
- Created detailed reports summarizing current pipelines and outstanding tasks requiring attention.
- Managed a high volume of incoming calls from customers inquiring about their mortgage application status.
- Reviewed financial documents to ensure completeness and validity.
- Reviewed and verified loan documents to ensure accuracy and compliance with company policies and procedures.
- Communicated with clients to gather necessary loan information.
- Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment, and other documentation as required.
- Coordinated with underwriters to expedite loan approvals.
- Participated in training sessions designed to keep abreast of changing industry regulations and standards.
- Assisted and mentored junior-level Mortgage Loan Processors, coaching and training them as necessary, delivering exemplary work.
- Gathered property appraisals, surveys, and tax records to update mortgage loan files.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
- COLUMBUS/OHIO
SENIOR MORTGAGE LOAN PROCESSOR
FIRST COMMUNITY BANK
Columbus, USA
10.2012 - 09.2015
- Processed residential, commercial, and construction loans from start to finish.
- Ordered title work, appraisals, and prepared and requested subordination.
- Prepared and processed loan modification and closing documents, communicating final numbers with customers.
- I reviewed the closing statement with the title company and the customers.
- Constructed pipeline reports for weekly meetings.
- Balanced and funded loans.
- Verified and drafted all construction drawings.
- Processed mortgage applications efficiently and accurately for diverse client needs.
- Reviewed financial documents to ensure compliance with lending guidelines and policies.
- Utilized mortgage processing software to streamline application workflows effectively.
- Collaborated with real estate agents to gather necessary information for loans.
- Assisted in training new staff on processing protocols and system usage.
- Maintained detailed records of loan files and documentation for auditing purposes.
- Coordinated with underwriters to resolve issues and expedite loan approvals.
- Communicated with clients throughout the loan process to provide updates and support.
- Advised applicants on available loan programs that best fit their needs while also meeting company requirements.
- Processed loan modification requests from borrowers in accordance with government guidelines.
- Created detailed reports summarizing current pipelines and outstanding tasks requiring attention.
- Performed quality control reviews on final documents before closing.
- Maintained regular contact with customers throughout the loan process, providing updates on progress made, or any needed information or documentation.
- Actively monitored the daily pipeline to ensure timely closings of loans in process.
- COLUMBUS/OHIO
Education
Bachelor of Science - Finance
Western Governor University
Salt Lake City, UT01-2028
High School Diploma -
Briggs High School
01.1994
Skills
- Analysis stills
- Appraisal order and review
- Appointment scheduling
- Attention to detail
- Byte
- Calyx Point
- Client interaction via phone calls
- Clerical experience
- Complaint handling
- Computer operation
- Communication skills
- Conventional loans
- Continuous improvement
- Credit Analysis
- Cross-Functional Collaboration
- Cross-Functional communication
- CRM software
- Customer Service
- Customer Segmentation
- Document Handling
- Document Review
- Educating customers
- Encompass
- Employment Verification
- File Organization
- Financial analysis
- FHA & VA Loans
- Lending Pad
- Loan Application Intake
- Loan origination system expertise
- Loan processing expertise
- Microsoft Office
- Multitasking capacity
- Mortgage Closings
- Mortgage Processing
- Ordering Payoff
- Pipeline management experience
- Problem - Solving Skills
- Professionalism
- Productivity Software
- Ran Desktop Underwriting for Fannie Mae Loans
- Ran Loan Prospector for Freddie Mac Loans
- Regulatory Compliance
- Relationship building
- Self motivation
- Service-oriented mindset
- Strong communication skills
- Teamwork and Collaboration
- Time management capabilities
- Title Order and Review
- Workflow Optimization
Certification
Strategic Thinking & Innovation
Work Preference
Work Type
Full TimeLocation Preference
RemoteHybridTimeline
VA CASH OUT CUSTOMER ADVOCATE
MODER LLC
10.2024 - 08.2025
MORTGAGE LOAN PROCESSOR 2
HUNTINGTON NATIONAL BANK
03.2016 - 09.2023
SENIOR MORTGAGE LOAN PROCESSOR
FIRST COMMONWEALTH BANK
09.2015 - 02.2016
SENIOR MORTGAGE LOAN PROCESSOR
FIRST COMMUNITY BANK
10.2012 - 09.2015
Bachelor of Science - Finance
Western Governor University
High School Diploma -
Briggs High School