Melodie Bighaus
Sandy
Summary
Experienced Loan Processor with a proven track record in Retail Management. Skilled in overseeing loan applications, conducting credit assessments, and delivering exceptional customer service. Strong attention to detail and time management skills.
Overview
12
12
years of professional experience
Work History
Loan Processor
Veritas Funding LLC
12.2019 - 04.2022
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Created and completed loan submission packages.
- Managed conditions sent from underwriting departments.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Filed completed packages quickly and efficiently.
- Helped lending staff set up files for new and existing loans.
- Calculated income, assets and liabilities to meet lender requirements.
Loan Processor
Gateway Mortgage
01.2017 - 12.2019
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Created and completed loan submission packages.
- Managed conditions sent from underwriting departments.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Calculated income, assets and liabilities to meet lender requirements.
- Helped lending staff set up files for new and existing loans.
Co-Manager
Forever 21
01.2010 - 05.2015
- Enhanced store performance by implementing effective sales strategies and optimizing merchandising layouts.
- Streamlined operational processes for increased efficiency, leading to reduced costs and improved customer experience.
- Increased sales revenue by training and mentoring staff in effective selling techniques and product knowledge.
- Managed inventory control, ensuring optimal stock levels while minimizing shrinkage and wastage.
- Collaborated with Store Manager to develop promotional strategies that effectively attracted new customers and increased foot traffic.
- Oversaw financial management tasks such as budget planning, expense tracking, and payroll administration, contributing to the overall profitability of the store.
- Implemented loss prevention measures, reducing instances of theft and improving store security.
- Evaluated employee performance through regular appraisals, providing constructive feedback and identifying opportunities for professional development.
- Ensured compliance with company policies, procedures, and safety regulations by monitoring operations on a daily basis.
- Managed scheduling for all employees to ensure adequate coverage during peak periods without compromising labor cost objectives.
- Resolved complex customer complaints promptly and effectively, maintaining high levels of customer satisfaction while protecting business interests.
- Coordinated visual merchandising efforts across different departments for cohesive displays that maximized sales potential.
- Performed regular reviews assessing each employee's performance and developed improvement plans.
- Approved regular payroll submissions for employees.
- Cross-trained existing employees to maximize team agility and performance.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Established team priorities, maintained schedules and monitored performance.
Education
High School Diploma -
Lynnwood High School
Lynnwood, WA06.2006
Skills
- Document Management
- Teamwork and Collaboration
- Mortgage Loan Software
- Attention to Detail
- Dedicated Work Ethic
- Customer Service
- Loan File Review
- Credit History Review
- Problem-Solving
- Income Evaluation
- Property Evaluation
- Creditworthiness Determination
- Automated Underwriting System (AUS)
- Staff Leadership
- Store maintenance
- Employee Scheduling
- Merchandise planning
- Recruitment and hiring
- Store operations
Timeline
Loan Processor
Veritas Funding LLC
12.2019 - 04.2022
Loan Processor
Gateway Mortgage
01.2017 - 12.2019
Co-Manager
Forever 21
01.2010 - 05.2015
High School Diploma -
Lynnwood High School