MELISSA FOY
New Orleans,LA
Summary
Dynamic and results-driven Mortgage Analyst and Mortgage Professional with 10+ years of experience in finance, insurance, and real estate. Proven ability to close over $400M in residential transactions while managing a personal portfolio of rental properties. Skilled in client consulting, financial analysis, and navigating complex mortgage guidelines. Committed to delivering creative, ethical solutions to diverse client bases.
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 9 year history of successful loan and mortgage processing.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Mortgage Loan Processor
XPLORE Federal Credit Union
New Orleans, LA
08.2025 - Current
- Process mortgage applications efficiently, ensuring compliance with credit union policies.
- Review financial documents for accuracy, verifying borrower information and eligibility.
- Collaborate with loan officers to streamline application workflows and address client inquiries.
- Utilize mortgage processing software to track application status and manage documentation.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Prepared file for final clear-to-close by branch management.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Analyzed borrower credit reports and income statements to verify accuracy.
Mortgage Analyst (Remote)
Nexa Mortgage
New Orleans, LA
12.2023 - 09.2025
- Delivered strategic loan guidance to clients with complex financial profiles, ensuring compliance with evolving lending regulations.
- Specialized in pre-qualification, refinance structuring, and investor-focused loan scenarios.
- Fostered relationships with underwriters and processors to streamline approval timelines and reduce funding delays.
- Led client education initiatives, simplifying mortgage terminology and setting realistic expectations around interest rates and closing costs.
- Managed an extensive CRM pipeline while consistently exceeding monthly funding goals.
- Played a key role in mentoring junior analysts and supporting training on compliance tools such as Encompass and Salesforce.
Mortgage Analyst (Remote)
Reliance First Capital
New Orleans, LA
10.2017 - 12.2023
- Developed financial strategies to increase ROI on real estate investments.
- Worked fully remotely, independently managing a high volume of client files, internal communications, and compliance processes via digital platforms.
- Assisted homeowners with navigating federal and local mortgage guidelines.
- Responded to real estate firms, title companies, and clients to ensure timely home closings.
- Built and managed a prospect list to generate new business opportunities.
- Negotiated favorable loan terms through expert market knowledge and communication.
- Closed over $400M in residential real estate transactions.
Tax Preparer
H&R Block
Charlotte, NC
09.2016 - 12.2017
- Performed individual tax preparation and calculations in compliance with IRS standards.
- Delivered excellent customer service in a high-volume environment.
- IRS PTIN Registered.
Office Manager
American Income Life
Charlotte, NC
09.2013 - 08.2017
- Maintained 86% client retention rate (company average was 71%).
- Facilitated communication between agency leadership and new sales trainees.
- Produced sales reports and forecasts for quarterly strategic planning.
- Managed customer relationships and developed new business through referrals and networking.
Community Marketing Agent
Wyndham Resort Ownership
New Orleans, LA
04.2013 - 08.2013
- Generated high-quality leads for the resort’s sales team.
- Provided sales support during property promotions and presentations.
Marketing Intern
Eracism Non-Profit
New Orleans, LA
08.2012 - 12.2012
- Organized merchandise sales and promotional photoshoots.
- Managed inventory and maintained social media presence.
Education
Bachelor of Science - Marketing
University of New Orleans
New Orleans, LA05-2013
Skills
- Financial Analysis, Budgeting, Tax Preparation
- Mortgage Loan Origination, Title Coordination, Underwriting Support
- Salesforce, Encompass, Microsoft Excel, Zoom, Calyx Point, Lending Pad
- Residential mortgage lending regulations
- Title examination
- Pipeline management
- Appraisal review
- Loan packaging
- Application preparation
- Credit evaluation
- Loan processing expertise
- Closing support
Certification
- Licensed Loan Officer NMLS 1685569 est 10/2017 -
Timeline
Mortgage Loan Processor
XPLORE Federal Credit Union
08.2025 - Current
Mortgage Analyst (Remote)
Nexa Mortgage
12.2023 - 09.2025
Mortgage Analyst (Remote)
Reliance First Capital
10.2017 - 12.2023
Tax Preparer
H&R Block
09.2016 - 12.2017
Office Manager
American Income Life
09.2013 - 08.2017
Community Marketing Agent
Wyndham Resort Ownership
04.2013 - 08.2013
Marketing Intern
Eracism Non-Profit
08.2012 - 12.2012
Bachelor of Science - Marketing
University of New Orleans