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MELISSA WHITE
Mortgage Professional
Jacksonville,FL
Work Preference
Job Search Status
Open to workDesired start date: Immediately
Desired Job Title
Loan Originations ManagerOperations MgrProduction ManagerWork Type
Full TimeLocation Preference
On-SiteRemoteHybridLocation: Jacksonville, FL, US
Open to relocation: Yes
Summary
Mortgage Professional with 28 years of extensive expertise in loan operations, loan production, and compliance, showcasing exceptional analytical and organizational skills. Adept at optimizing processes, ensuring compliance, and driving sales growth through strategic approaches. Known for meticulous attention to detail and effective communication, enhancing customer satisfaction and operational efficiency.
Overview
28
28
years of professional experience
Work History
Loan Originations Manager
Triad Financial Services
Jacksonville, FL
12.2024 - Current
- Primary point of contact for business clients
- Manage and monitor loan pipelines to ensure accurate underwriting and processing of loan applications
- Develop and implement strategies to optimize loan processing efficiency and enhance overall operational performance
- Collaborate with senior management to establish and achieve performance goals for the loan operations team
- Ensure compliance with all regulatory requirements
- Acted as point of escalation for complex loan scenarios, providing guidance and assistance to resolve issues.
- Led strategic initiatives to enhance client satisfaction and retention.
- Resolved client concerns quickly and effectively, enhancing client satisfaction.
- Collaborated with departments to streamline financial processes, improving overall operational efficiency.
- Coached, mentored, and trained team members, fostering professional growth and enhancing team capabilities.
- Conduct regular performance evaluations, provide feedback, and support professional development initiatives for team members
- Led team meetings and one-on-one coaching sessions to continuously improve performance.
Operations Mgr
Tiny Homes of the South
Mobile, AL
07.2022 - 12.2024
- Oversaw daily operations and production, ensuring efficiency in workflow and resource allocation.
- Monitored compliance with federal and state regulations, maintaining operational standards and minimizing risk.
- Managed post-closing warranty items to improve customer experience and retention rates.
- Clear underwriting conditions for loans, improving loan approval rates and reducing processing times.
- Convert customer leads to sales, achieving measurable results in sales growth and customer satisfaction.
New Home Sales
Various New Home Builders
Charlotte, NC
01.2019 - 07.2022
- Managed daily operations of model home complex, guiding customers through home buying process to facilitate informed decisions.
- Generated sales in assigned communities, delivering exceptional customer experiences.
- Utilize effective sales techniques to promote and sell products, services, and accessories.
- Consistently meet and exceed profitability goals through strategic sales approaches.
- Enhanced customer satisfaction by resolving inquiries and issues promptly, contributing to positive buying experiences.
Loan Officer
Inspire Home Loans
Charlotte, NC
01.2018 - 12.2018
- Originated residential mortgage loans across NC, SC, and GA, driving regional growth.
- Streamlined loan approval processes through meticulous pre-underwriting and swift condition clearance, improving compliance and shortening processing timelines.
- Ensured complete loan packages for upfront submission, increasing submission accuracy and reducing processing delays.
- Fostered seamless communication between clients and underwriting teams, facilitating timely loan approvals and enhancing customer experience.
- Built strong relationships with builders, realtors, and buyers, enhancing client satisfaction.
Loan Officer
Mattamy Home Funding
Charlotte, NC
01.2017 - 12.2018
- Originated residential mortgage loans for homebuyers across NC and SC, meeting sales targets.
- Pre-underwrote loan files, ensuring program parameters are met and documentation provided for timely processing.
- Cleared underwriting conditions efficiently, improving loan processing timelines.
- Packaged loans with all necessary documentation for upfront submission, ensuring compliance.
- Locked loans following Secondary Pricing Policies, maintaining financial accuracy.
- Reviewed Closing Disclosures for accuracy, ensuring compliance with regulations and reducing potential legal risks.
- Fostered relationships with builders, realtors, and buyers, facilitating smooth transactions and enhancing customer satisfaction.
- Maintained accurate reports, supporting informed decision-making.
Loan Officer
CalAtlantic Mortgage / Standard Pacific Mortgage
Charlotte, NC
01.2014 - 12.2017
- Originated residential mortgages in call center environment, across multiple states, consistently closing 150-175 loans annually. Streamlined processes for efficient underwriting and documentation.
- Ensured compliance with loan program parameters through meticulous pre-underwriting and comprehensive documentation packaging.
- Meticulously processed loan applications, ensuring compliance with program parameters through comprehensive pre-underwriting and documentation packaging.
- Cleared underwriting conditions promptly, facilitating timely loan closures.
- Executed loan locking practices aligned with Secondary Pricing Policies, providing accurate reporting to support operational efficiency.
- Reviewed closing disclosures for accuracy and maintained precise reporting.
- Built strong relationships with builders, realtors, and buyers while mentoring new staff to improve team knowledge and collaboration.
Production Manager / Mortgage Finance Advisor
Pulte Mortgage
Charlotte, NC
01.2011 - 12.2013
- Led mortgage training for sales team, improving prospect conversion rates.
- Led field operations, partnering with sales to convert prospects and manage backlog, while supporting sales professionals with mortgage training and updates.
- Collaborated with operations to maintain backlog integrity and achieve milestone performance.
- Drove backlog integrity and milestone performance, reporting loan status at weekly visibility meetings and ensuring timely project progression.
- Reported loan status to PulteGroup in weekly visibility meetings, ensuring transparency.
- Worked closely with Operation Production Managers to streamline processes and improve efficiency.
- Fostered partnerships with Operations Production Managers, streamlining mortgage processes and enhancing collaboration.
- Provided updates and training at sales meetings, fostering continuous learning.
Education
BA - Communications
05-2004
Skills
- Underwriting and loan origination
- Credit analysis and documentation
- Loan processing expertise
- Pipeline management
- Regulatory compliance
- Performance metrics monitoring
- Operations management
- Leadership and supervision
- Training and coaching
- Attention to detail
- Time management
- Decision-making skills
- Analytical skills
- Critical thinking
- Effective communication
- Issue resolution strategies
Additional Information - Licenses
- NMLS 77246
- NC & SC Realtor