MELISSA BOOD

• Self-motivated, with a strong sense of personal responsibility.
• Worked effectively in fast-paced environments.
• Skilled at working independently and collaboratively in a team environment.
• Proven ability to learn quickly and adapt to new situations.
• Performed credit bureau quality control research including interpreting payment histories and tradelines, verifying loan data and account ownership discrepancies
• Assisted processors with training and remediation of performance gaps with one on one coaching and personalized support
• Utilized the eOSCAR system for report generation and maintained competency with the Automated Universal Dataform (AUD) and Automated Consumer Dispute Verification (ACDV) transmittal process
• Worked with credit bureau dispute processors to correct inaccurate information and ensure updates are provided to the CRAs with clear documentation
• Represented enterprise FCRA in the CSO risk forum and responsible for producing departmental result presentations

Research and analyze indirect disputes.

• Respond timely to the credit reporting agencies once the dispute has been reviewed.
• Interpret payment histories, verify loan data, loan balances and requests for adjustments.
• Research potential issues and perform root-cause analysis to determine cause and solutions for problems.
• Ensure that the dispute response time is made within Regulatory SLA requirements.
• Make independent decisions for appropriate action to be taken within regulatory and procedural guidelines.
• Update accounts as needed and submit the results of the research to the Credit Reporting Agency.

• Performs risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors
• Works collaboratively in a team environment
• Analyzes financial data related to loan requests
• Evaluates loan documents for accuracy and completeness.

• Provided direct client support (via phone/email) assisting with mortgage type, terms and product appropriate to their financial goals
• Gather confidential financial information and employment history to satisfy regulators and to ensure a positive outcome for clients
• Input proper loan information into the system for processing
• Verified employment length, financial statement accuracy and collateral asset values
• Ensured that all loan documentation was complete, accurate, verified, and complied with company policy
• Verified loan documents, including income credit appraisal and title insurance, ultimately preparing application for submission to underwriting
• Steered each file from pre-approval to closing
• Met crucial deadlines requested
• Contacted applicants in a variety of ways, including by phone, e-mail or in-person meetings.

• Members - Financial Services
• Assisted with client's questions and helped the client in choosing the mortgage type and mortgage terms appropriate to the financial information gathered
• Gather financial information (collateral assets, salaries and other income) employment status/history, current debts/expenses
• Verified loan documents including income credit, property appraisal, title insurance preparing application; managed file flow from pre-approval to closing, while meeting crucial deadlines, and ensured corporate and regulatory compliance.

• Health Care Insurance Sales
• Contacted insurance clients from an industry-provided contact list, arranging in-home appointments for a varietyof insurance plan reviews and financial obligations, while ensuring client coverage, application completion toacceptance/denial
• Verified documents from start to finish and ensured all compliance regulations were achieved
• All accepted clients became a service database for all questions, plan reviews and updates