Melissa Fladung
Belmont,USA
Summary
Detail-oriented and client-focused Mortgage Production Specialist with 26 years of experience in residential and commercial mortgage processing, including loan origination and underwriting support. Proven track record of efficiently managing loan pipelines while ensuring compliance with regulatory requirements. Coordinate with internal teams and external partners to deliver outstanding customer satisfaction. Skilled in reviewing financial documents and utilizing LOS platforms such as Encompass and Calyx Point. Proficient at balancing a high-volume workload with precision and professionalism in a fast-paced environment.
Overview
10
10
years of professional experience
Work History
QC/Loan Servicing Analyst
Quest Advisors
07.2021 - 09.2024
- Partnered with investors to perform analyses of 8-10 closed loan files to ensure full compliance with regulatory and investor guidelines including, FHA, USDA, VA, FHLMC and FNMA.
- Validated each closed loan file contained all the signed and dated disclosures based on state-to-state regulations.
- Consistently met and exceeded monthly goal of 95% for quality assurance and compliance rate with the internal QC department.
- Participated in brainstorming sessionsfor training documents and checklists for the new ACES system.
Post Closing
Cardinal Financial
04.2020 - 07.2021
- Accurately and proficiently cleared trailing documents on closed loans to ensure eligibility for investor purchase.
- Developed strong relationships with underwriters, processors, loan officers in the office along with customers, title companies and investors.
- Acted as a key participant in the development of projects for Underwriting with strict deadline commitments.
- Evaluated files risk for all Government and Conventional loans which include analyzing credit, all aspects of income including complex tax returns, review of assets, fraud detection, and overall review of loan documents for adherence to FNMA/FHLMC and FHA guidelines.
QC/Post Closing
River City Financial
04.2016 - 04.2020
- Reviewed, stacked and shipped closed loan files to investors for purchase/funding.
- 98% Investor audit score on submitting complete file with little to no conditions.
- Registered MERS, paid the MIP premiums on FHA and VA closed loans within the expected timeframe of 10-days.
- Verified required FHA, VA documents were in file and signed within compliance along with TRID documents for FHLMC, FNMA.
- Cleared queue of back logged VA Funding fee payments. Partnered with upper management to implement an improved process to ensure payments mailed in a timely manner.
- Quality Assurance review of Quality Controls adherence to internal bank policy and investor guidelines.
- Partnered with coworkers and investors to close and fund up to 300 files a month. Worked evenings and weekends to help manage the volume.
Underwriter
US Bank
05.2014 - 07.2016
- Reviewed 15 new files daily while calculating income, verifying assets and reviewing the title work for accuracy.
- Clearing conditions received within 24-48 hours of receipt
- Followed up with appraisal department as necessary to ensure clear accurate appraisal was reflected on corrected form with required photos, maps, and legal description.
- Review of credit history, overall risk, income calculation and documentation, assets, appraisal, title, and disclosures to validate that agency specific guidelines were met.
Education
No Degree - General Studies
University of Cincinnati
Cincinnati, OH04-1994
Skills
- Strong knowledge in various areas of the mortgage industry including, underwriting, processing
- Adaptable, works well under pressure; able to manage well in fast-paced situations
- Strong team player; enthusiastic; works well with others
- Proficient with Encompass, Excel, Microsoft word
Timeline
QC/Loan Servicing Analyst
Quest Advisors
07.2021 - 09.2024
Post Closing
Cardinal Financial
04.2020 - 07.2021
QC/Post Closing
River City Financial
04.2016 - 04.2020
Underwriter
US Bank
05.2014 - 07.2016
No Degree - General Studies
University of Cincinnati
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