MELISSA PURVIS
CIRCLEVILLE,OH
Summary
Mortgage processing professional with deep experience handling high-volume pipelines, borrower communication, and loan documentation across in-house and brokered files. Known for tracking conditions in Encompass, resolving file issues, and coordinating with underwriting and closing teams to support accurate submissions and timely loan closings.
Overview
24
24
years of professional experience
Work History
MORTGAGE LOAN PROCESSOR
Lower, LLC
06.2025 - 10.2026
- Reviewed income, assets, credit, and employment using lender guidelines and compliance requirements.
- Supported day-to-day processing for in-house mortgage loans and brokered mortgage loans sent to other financial institutions.
- Worked alongside loan officers, underwriters, and closing teams through loan processing.
- Collected and verified clearance of underwriting conditions to prepare loan files for submission and approval.
- Submitted detailed loan packages to underwriting department to support approval or denial decisions.
- Requested documents from borrowers and clarified application requirements to facilitate smooth processing.
- Monitored disclosure deadlines and file status through mortgage processing workflows.
- Updated Encompass records and tracked file conditions to ensure compliance across mortgage pipelines.
- Managed high-pressure situations, making timely decisions to safeguard client interests.
- Answered borrower questions and provided customer service on loan status.
- Reached out to outside sources, references, and vendors to verify client financial information.
- Collaborated with third-party vendors to resolve loan closing requirements.
- Followed privacy and security requirements along with federal statutes covering VA loans.
PROCESSOR III/OFFICER
Fifth Third Bank
01.2016 - 06.2025
- Manage a pipeline of conventional, government, and/or portfolio loans. Processing all loan types which may include conventional, FHA, VA Bond, USDA special programs, self-employed, and complex loan types
- Evaluate loan documentation, calculate income, review assets, analyze liabilities, and clear conditions per delegated authority ensuring compliance and underwriting guidelines.
- Validate automated underwriting decision per delegated authority
- Ensured accuracy and completeness of loan data in processing system, facilitating timely processing.
- Coordinated communication with internal and external customers to ensure workflow continuity, meet deadlines, and support timely loan closings.
- Supported timely processing and underwriting of residential mortgage loans through customer-facing coordination.
- Maintain a high level of customer service by being proactive in communicating with the borrowers and loan originators.
- Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
- Review pipeline reports to ensure all tasks are completed.
- Serve as an intermediary for loan issues with Loan Originators, Underwriters and other related departments.
- Maintained accurate loan files and notes in Fifth Third Bank loan origination system, trained new hires, and resolved escalated issues leveraging advanced knowledge.
- Assist in training new hires.
- Take active role as an escalation point and resource within the team based on experience/knowledge.
- Assist the processing managers when required with coaching, escalations, balancing workloads, etc.
MANAGER
CashMax
Hillsboro, OH
01.2013 - 01.2016
- Streamlined cash handling processes to enhance transaction efficiency, resulting in noticeable gains in customer satisfaction and reduced wait times.
- Maintained financial records and conducted regular audits to ensure compliance and uphold operational integrity.
- Fostered team-oriented environment through open communication, enhancing morale and increasing employee productivity.
- Conducted thorough audits of financial records to ensure accuracy, maintain compliance, and mitigate risks associated with discrepancies.
INSURANCE AGENT
Lewis Financial Group
Hillsboro, OH
01.2011 - 01.2012
- Advised clients on insurance coverage options and policy selections at Lewis Financial Group.
- Reviewed client needs to recommend life, health, and property coverage solutions.
- Educated clients on policy options, resulting in informed decisions and increased sales of tailored insurance solutions.
- Addressed client inquiries promptly while providing ongoing policy support, fostering trust through exceptional service.
- Prepared insurance applications, forms, and policy documents with accurate client information.
MORTGAGE LOAN POST CLOSER
Liberty Savings Bank
Wilmington, OH
01.2007 - 01.2009
- Executed post-closing audits to ensure compliance, resulting in a 30% reduction in errors and strengthening regulatory adherence.
- Analyzed closing files to identify discrepancies, implementing corrective actions that improved processing accuracy and reduced turnaround times.
- Maintained accurate loan documentation and records, supporting audits and ensuring compliance with regulatory requirements.
- Collaborated with loan processing team to resolve issues, ensuring smooth post-closing operations and contributing to team cohesion.
MORTGAGE LOAN POST CLOSER
Fifth Third Bank
Hillsboro, OH
01.2003 - 01.2007
- Executed post-closing audits ensuring regulatory compliance, enhancing accuracy and minimizing risk of errors.
- Resolved post-closing issues for clients, strengthening relationships and significantly boosting customer satisfaction ratings.
- Analyzed loan documentation to identify discrepancies, streamlining the review process and enhancing operational efficiency within the team.
- Maintained accurate loan file records, facilitating seamless information access and adherence to internal policies.
Education
ACCOUNTING STUDIES - accounting
Kaplan College
HIGH SCHOOL DIPLOMA -
Hillsboro High School
Skills
- Mortgage processing
- Loan pipeline management
- Loan origination software
- Document verification
- Document processing
- Income calculations
- Credit applications
- Credit management
- Risk assessment
- Documentation oversight
- Proficient in Microsoft Office
- Deadline management
- Team collaboration
- Detail-oriented thinking
- Account management strategies
- Document processing
Personal Information
Title: Mortgage
Timeline
MORTGAGE LOAN PROCESSOR
Lower, LLC
06.2025 - 10.2026
PROCESSOR III/OFFICER
Fifth Third Bank
01.2016 - 06.2025
MANAGER
CashMax
01.2013 - 01.2016
INSURANCE AGENT
Lewis Financial Group
01.2011 - 01.2012
MORTGAGE LOAN POST CLOSER
Liberty Savings Bank
01.2007 - 01.2009
MORTGAGE LOAN POST CLOSER
Fifth Third Bank
01.2003 - 01.2007
ACCOUNTING STUDIES - accounting
Kaplan College
HIGH SCHOOL DIPLOMA -
Hillsboro High School