Melissa Clark
Hillard,OH
Summary
Experienced automotive lender for reputable organizations, delivering impactful results. Exceptional skills in time management, organization, prioritization, and communication with colleagues and clients. Recognized industry leader consistently rewarded with increased responsibility for outstanding performance and results.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Loan Processor & Underwriter
COLUMBUS FINANCE, INC.
06.2013 - 07.2024
- Engage with customers, assess loan requests, and determine if the credit profile is worthy of approval.
- Review and execute decisions on loan applications communicated to customers.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents by verifying client income, credit reports, and other information.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Develop and maintain knowledge regarding Equifax and TransUnion credit reports and codes.
- Verify customer loan documents to ensure accuracy in accordance with compliance standards.
- Daily and Monthly balance sheet reconciliations.
- Processed dealer checks for loans funded.
- Answer a multi-line phone system, emails and in person questions.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Built strong relationships with lenders and clients for constructive communications.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports and tax returns to determine repayment capability.
- Made approval and denial recommendations by determining accurate risk levels.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
COMPLIANCE MANAGER / BOOKKEEPER / FINANCE MANAGER
GERMAIN FORD OF COLUMBUS, LLC
05.2001 - 06.2013
- Delivered exceptional support to a variety of management level team members while contributing to daily operations
- Ensured legal compliance with the state of Ohio for all new and used vehicle purchases
- Contributed to the creation and distribution of financial statements monthly including making General Journal entries
- Assisted with daily Accounts Payables, Accounts Receivables, Title Clerk, Warranty Clerk, and Cashier/Receptionist
- Presided over incoming cash flow and ensured proper balancing of the ledger daily
- Trained, mentored, and coached new employees in organizational practices and procedures
- Daily and monthly balance sheet Reconciliations, General Reconciliations for monthly reports.
Education
MBA - Business Administration
Franklin University
Columbus, Ohio12.2012
Bachelor of Science - Business Administration
Franklin University
08.2009
Skills
- Teamwork and Collaboration
- File Management
- Document Review
- Attention to Detail
- Dedicated Work Ethic
- Organization and Time Management
- Proficient in AMS, Reynolds & Reynolds, Microsoft Office, Sage, Peachtree
- Credit analysis
- Processing procedures
- Customer Service
- Decision-Making
- Information Verification
Certification
STATE OF OHIO, CERTIFIED NOTARY PUBLIC, CURRENT
Timeline
Loan Processor & Underwriter
COLUMBUS FINANCE, INC.
06.2013 - 07.2024
COMPLIANCE MANAGER / BOOKKEEPER / FINANCE MANAGER
GERMAIN FORD OF COLUMBUS, LLC
05.2001 - 06.2013
MBA - Business Administration
Franklin University
Bachelor of Science - Business Administration
Franklin University