Melissa Howerton
Hubbard,TX
Summary
Mortgage lending professional with comprehensive experience in loan origination and client advisement. Proven ability to streamline loan processing and ensure adherence to regulatory requirements while maintaining strong client relationships. Valued for collaborative teamwork and results-driven approach, adapting seamlessly to changing market conditions.
Overview
29
29
years of professional experience
Work History
Mortgage Loan Officer
CIS Financial Services, Inc
Hamilton, AL
06.2025 - Current
- Managed comprehensive mortgage loan applications, ensuring compliance with regulations and guidelines.
- Reviewed financial documents to assess creditworthiness and determine loan eligibility.
- Developed strong relationships with clients, providing personalized service throughout the loan process.
- Collaborated with underwriting teams to expedite loan approvals and resolve issues efficiently.
- Conducted market research to identify competitive mortgage products and pricing strategies.
- Trained junior loan officers on industry best practices and regulatory updates.
- Streamlined workflows by implementing digital tools for document management and client communication.
- NMLS licensed in 12 states. Licensed in the following states: Alabama, Arkansas, Georgia, Illinois,Indiana, Kansas, Kentucky, Louisiana, Missouri, Tennessee, Texas and Virginia.
Mortgage Loan Officer Assistant
CIS Financial Services, Inc
Hamilton, AL
02.2023 - Current
- Coordinated with loan officers to streamline mortgage application workflows and maintain precise records.
- Managed coordination of communications between clients and lenders, ensuring timely loan approvals.
- Compiled and organized financial data to create detailed reports and summaries for loan proposals and client discussions.
- Streamlined scheduling processes for client appointments, prioritizing timely follow-ups and optimizing overall workflow.
- Supported loan officers in processing mortgage applications and maintaining accurate documentation.
- Coordinated communication between clients and lenders to streamline loan approval processes.
Mortgage Loan Processor
CIS Financial Services, Inc
Hamilton, AL
05.2020 - Current
- Conducted detailed assessments of loan applications, ensuring all information met required standards for approval.
- Managed communication channels between borrowers, lenders, and underwriting teams to ensure clarity and timely information exchange.
- Reviewed and interpreted financial statements to accurately assess borrower qualifications for mortgage offerings.
- Coordinated loan processing activities to ensure efficient and timely closings for clients.
- Reviewed and verified loan applications for accuracy and completeness.
- Coordinated communication between borrowers, lenders, and underwriting teams.
Field Project Manager
Walmart Reality Execution Team
07.2005 - Current
- Oversee and manage store projects – responsible for the completion of $4M projects by phasing timelines, setting and completing daily goals, completing the project paperwork, ordering needed fixtures and training associates.
- Led cross-functional teams to execute project initiatives effectively within timelines.
- Developed and implemented process improvements to enhance operational efficiency across multiple locations.
- Coordinated resource allocation and scheduling to optimize project deliverables and meet objectives.
- Mentored junior team members, providing guidance on best practices for project management execution.
- Analyzed project performance data to identify trends and implement corrective actions as needed.
- Fostered collaboration among stakeholders to ensure alignment on project goals and expectations.
- Streamlined communication protocols, improving information flow between teams and stakeholders.
- Maximized productivity by implementing time management strategies that minimized downtime between tasks or phases of a project.
Field Assistant Manager
Walmart Reality Execution Team
01.2000 - 07.2005
- Achieved successful completion of store remodels and new store openings through effective teamwork. Developed expertise in project management, resulting in promotion to field project manager.
- Supported execution of merchandising strategies across multiple store locations
- Assisted in inventory management and stock replenishment processes
- Collaborated with team members to ensure compliance with corporate standards
- Trained new staff on operational procedures and safety protocols
- Monitored store conditions and reported discrepancies to management
- Implemented process improvements that enhanced workflow efficiency
- Led cross-functional teams to execute promotional events successfully
- Developed training materials to enhance staff knowledge of product displays
- Facilitated knowledge sharing among team members via regular updates on progress or challenges encountered during fieldwork activities.
- Maintained a safe working environment by adhering to safety protocols and guidelines while conducting fieldwork.
- Ensured timely completion of projects by managing schedules, resources, and deadlines for multiple concurrent tasks.
- Expedited decision-making processes with accurate data analysis and interpretation for project leads.
- Streamlined workflow by maintaining detailed records of field activities, including sample locations, dates, times, and conditions.
- Strengthened team morale and motivation through a proactive attitude, collaborative problem-solving approach, and active participation in all aspects of fieldwork.
Department Manager
Walmart Store 1462, Greenville, AL
Greenville, AL
09.1997 - 01.2000
- Managed three department is a small hometown store in Alabama. Responsible for all stocking, section work and paper work completion. == responsible for the store cash resets, completion of banking deposits, and entering associates time and finalizing payroll.
- Oversaw daily operations to ensure optimal store performance and customer satisfaction.
- Trained and mentored team members to enhance productivity and service quality.
Education
BS degree - Business Management, Computer Science, History
Judson College
06-1994
Advanced Diploma - undefined
Greenville High School
06-1991
Skills
- Proficient in task prioritization
- Adaptable to new skills
- Focused on results
- Effective teamwork
- Goal oriented
- Relationship selling
- Loan origination
- Residential mortgage lending regulations
Timeline
Mortgage Loan Officer
CIS Financial Services, Inc
06.2025 - Current
Mortgage Loan Officer Assistant
CIS Financial Services, Inc
02.2023 - Current
Mortgage Loan Processor
CIS Financial Services, Inc
05.2020 - Current
Field Project Manager
Walmart Reality Execution Team
07.2005 - Current
Field Assistant Manager
Walmart Reality Execution Team
01.2000 - 07.2005
Department Manager
Walmart Store 1462, Greenville, AL
09.1997 - 01.2000
Advanced Diploma - undefined
Greenville High School
BS degree - Business Management, Computer Science, History
Judson College
ACTIVITIES
- 2017 – Field Project Manager of the Year (Division S)
- 2014 – Field Project Manager Safety Champion of the Year (Division M)
- Enjoying traveling. I have been able to visit 46 states of the 50 United States while working on the last four states, I have started traveling internationally four years ago as well.
- Enjoy reading and remodeling my 100-year-old Victorian home.