MELISSA TAGGART
Austintown,OH
Summary
Throughout my 20+ years in banking, I have developed a reputation for being a problem-solver and effective communicator, with a keen eye for detail and the ability to work under pressure. I have experience leading teams and coordinating tasks to ensure successful outcomes.
Overview
33
33
years of professional experience
Work History
Indirect Loan Manager
Premier Bank
06.2020 - Current
- Work closely with Director of Consumer Lending, Underwriters and Funders to help meet goals and coach for performance
- Increase employee engagement and communication with monthly One-on-one meetings and Mid and Yearly Reviews
- Create reports for tools to better manage loan portfolio and performance
- Create Standard Operating Procedures for Indirect positions and review for needed updates
- Maintain positive dealer relationships by going on weekly visits and making daily phone calls to achieve maximum car loan applications and funding deals
- Sign up new dealers and have them ready to start producing by making sure they have the proper information and tools and work with their programmer to ensure the contracts are correct
- Review loans for decision based on financial capacity and capability of loan applicant
- Review and approve all loans with exceptions outside of our policy to determine all risk factors
- Manage dealerships with large delinquency accounts by communicating with finance personnel the expectations of the bank
- Conduct internal monthly reviews to ensure all Regulations and policies are adhered
- Conduct daily credit quality reviews by reviewing underwriters approvals and declines; conduct monthly quality review by going over charge off report
- Ensure funding is completed efficiently and in a timely manner to maintain good dealer relationships
- Review rates from other financial institutions to ensure we are priced properly and update rates as needed; review backend products to keep in line with changing auto environment
- Ensure outstanding owed dealer reserve is paid back due to early payoffs or charge offs.
Mortgage Lending Specialist
Farmers National Bank of Canfield
11.2019 - 06.2020
- Review HUD settlement statement and send Closing Disclosure to borrower within TRID guidelines
- Prepare and deliver loan documents to title company
- Order title work, appraisals, credit reports, verify employment and obtain proof of insurance
- Communicate with Loan Officer and Title Company for corrections and closing.
Indirect Underwriter
Farmers National Bank of Canfield
01.2016 - 11.2019
- Review indirect loans for credit worthiness and applicants willingness to pay back
- Conduct financial analysis and handle confidential documents
- Track and collect dealer reserve owed for charge offs and early payoffs
- Maintain positive business relationships with auto dealer through daily communication
- Follow and adhere to all bank regulations
- Review monthly charge offs to improve decision making.
Indirect Funder
Farmers National Bank of Canfield
01.2012 - 01.2016
- Review loan documents from dealership for accuracy and completeness
- Send notification of funding to dealerships and pay out bonuses
- Set up new dealers in loan system
- Calculate reserve funds to be paid to dealers
- Communicate with dealers any missing documents holding up funding.
Team Leader
Farmers National Bank of Canfield
01.2011 - 01.2012
- Monthly scheduling of staff
- Open new accounts, balance ATM, order and ship money
- Train new personnel
- Coach teller line to achieve monthly goals
- Monthly audits and alarm testing
- Accurate daily balancing of teller drawer and vault.
Customer Experience Manager
First Place Bank
01.2008 - 01.2011
- Meet and exceed monthly and quarterly goals
- Open new accounts and cross sell products
- Train new personnel and coach to help achieve goals and excellence performance
- Monthly scheduling of staff
- Execute monthly audits; accurate daily balancing of vault.
Buyer
Citifinancial Auto
01.2004 - 01.2008
- Decision car loans for 73 dealerships in subprime market
- Maintain relationships by going on weekly visits
- Monthly scheduling for staff and ordering of supplies
- Back-up to Branch Manager
- Train new Indirect Buyers.
Indirect Underwriter and Department Specialist
Second National Bank
01.2001 - 01.2004
- Underwrite auto, boats, RV’s and motorcycle for credit worthiness
- Maintain established dealership relationship with monthly visits
- Underwrite Visa and MasterCard applications
- Implement Horizon Loan Pro III system software and train bank personnel on new system
- Complete regression testing and set up parameters for Loan Pro III system
- Review custom bank forms and Banker System forms for compliance with national and state regulations
- Set up parameters for CBC AXAPS software for Indirect Loans.
Administrative Assistant
Second National Bank
01.1998 - 01.2001
- Administrative responsibilities for Vice President of Consumer Lending
- Direct loan support for 36 branches
- Prepare loan documents for three loan officers
- Compile all Indirect and Direct monthly reports
- Present new products to all branches
- Meet with new vendors and set up contracts.
Personal Banker
Second National Bank
01.1996 - 01.1998
- Open new accounts and cross sell products to meet monthly goals
- Monthly scheduling of staff
- Take loan applications and close loans with clients
- Teller supervisor duties.
Personal Banker & Certified Trainer
Bank One Youngstown
01.1994 - 01.1996
- Open new accounts and cross sell products to meet monthly goals
- Monthly scheduling of platform staff
- Take loan applications and close loans with clients
- Trained all of Bank One of Youngstown and Cleveland on loan software
- Main support person during roll-out of new loan system.
Full-time Teller
Bank One Youngstown
01.1992 - 01.1995
- Basic teller transactions
- Back-up for Teller Supervisor
- Monthly auditing for teller line.
Education
Skills
- Problem-solving
- Teamwork and Collaboration
- Client Relationship Management
- Organizational skills
- Risk Management
- Time Management
- Credit Analysis
Timeline
Indirect Loan Manager
Premier Bank
06.2020 - Current
Mortgage Lending Specialist
Farmers National Bank of Canfield
11.2019 - 06.2020
Indirect Underwriter
Farmers National Bank of Canfield
01.2016 - 11.2019
Indirect Funder
Farmers National Bank of Canfield
01.2012 - 01.2016
Team Leader
Farmers National Bank of Canfield
01.2011 - 01.2012
Customer Experience Manager
First Place Bank
01.2008 - 01.2011
Buyer
Citifinancial Auto
01.2004 - 01.2008
Indirect Underwriter and Department Specialist
Second National Bank
01.2001 - 01.2004
Administrative Assistant
Second National Bank
01.1998 - 01.2001
Personal Banker
Second National Bank
01.1996 - 01.1998
Personal Banker & Certified Trainer
Bank One Youngstown
01.1994 - 01.1996
Full-time Teller
Bank One Youngstown
01.1992 - 01.1995
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