Summary
Overview
Work History
Education
Skills
Professional Skills
Timeline
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Melody Lashley

Monroe,NC

Summary

Efficient professional in financial processing adept in Loan IQ, JIRA management, and Salesforce nCino. Expert in enhancing operational efficiency and ensuring compliance, while delivering exceptional client experiences. Recognized for analytical skills and effective collaboration, driving successful outcomes in high-pressure environments.

Overview

16
16
years of professional experience

Work History

Loan Servicing Specialist II/Inspector in Quality Assurance and Quality Control

JP Morgan Chase
Charlotte, North Carolina
10.2024 - Current
  • Processed complex Asset Based Lending loan transactions via Loan IQ (i.e., reprice, advances, payments, etc. and maintained accurate transaction records.
  • Evaluated and reported inconsistencies in supporting documentation versus proposal data per internal risk policies.
  • Ensured timely action on organizational requests, queries, and issues.
  • Managed production queues, exception reporting, and Key Performance Indicators.
  • Engaged technology partners to enhance database functionality and stability.
  • Collaborated with Operations, Credit, and Controls to resolve issues and prepare weekly reports.
  • Administered exceptional customer experience for internal and external clients.
  • Performed quality control on deals by verifying credit agreement compliance.

Platform Consultant

Bank of America
Charlotte, NC
09.2021 - 10.2024
  • Work in close coordination with Credit Center (Salesforce nCino) development leads on enhancements and defects and assist with troubleshooting/resolution of application defects.
  • Assist in project execution through JIRA, providing tracking to technical teams and status updates to internal and business stakeholders.
  • Create high quality documentation for Business and Functional Requirements.
  • Analyzed complex information from multiple sources to identify patterns or trends.
  • Reviewed existing policies and procedures to suggest necessary improvements.
  • Collaborated with clients to develop action plans to address specific challenges and objectives.
  • Identified areas for improvement, narrowing focus for decision-makers in making necessary changes.
  • Organized client meetings to provide project updates.
  • Engaging successfully with software developers and testers to ensure quality delivery on time.

Center of Excellence Commercial Credit Specialist (CCS) II

Bank of America
Charlotte, NC
09.2020 - 09.2021
  • Collected original documentation such as credit agreements and UCC filings to enhance data input efficiency in Credit Center.
  • Reviewed documentation to extract essential data elements for accurate manual entry into Credit Center.
  • Monitored issues and technical incidents, relaying findings to centralized control room promptly.
  • Focused execution on collateral and covenant aspects within Credit Center processes.
  • Performed time studies and analytics to identify optimal methods for transitioning data from legacy systems to Credit Center.

Sales Support Associate (SSA)

Bank of America
Cherry Hill, NJ
07.2018 - 09.2020
  • Ensured compliance with Customer Due Diligence processes related to KYC and AML regulations.
  • Analyzed sales data to identify trends and adjust sales strategies accordingly.
  • Collaborated with the marketing team to develop promotional activities and materials that support sales goals.
  • Functioned as Loan IQ trainer and Subject Matter Expert for service-related transactions.
  • Supported the sales team in achieving monthly and quarterly sales targets by providing administrative and technical support.
  • Coordinated and scheduled client meetings for sales representatives to maximize their productivity.
  • Fielded customer queries, providing clear, accurate answers to technical questions and support requests.
  • Provided after-sales support, addressing any customer concerns and ensuring a positive customer experience.
  • Maintained accurate records of customer interactions and transactions.
  • Researched potential leads in target markets to identify new business opportunities.

Commercial Credit Specialist (CCS)

Bank of America
Charlotte, NC
09.2017 - 07.2018
  • Managed due diligence processes, including document processing and financial analysis.
  • Ensured timely escalation and resolution of issues identified during due diligence.
  • Coordinated closing activities to facilitate smooth transactions.
  • Prepared internal legal documents while validating operational feasibility.
  • Collaborated with credit association and business representatives to exchange valid credit information.
  • Developed and maintained relationships with clients to gather necessary financial information and documentation.
  • Reviewed and updated credit and loan files to ensure accuracy and completeness of documentation.
  • Monitored existing portfolios for compliance with credit policies and exposure limits.
  • Ensured compliance with regulatory requirements and internal credit policies during the credit approval process.
  • Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
  • Requested financial documents from customers.
  • Worked closely with internal departments such as Sales, Accounting or Legal to resolve any outstanding issues related to commercial accounts.
  • Created letters of reference for customers upon request in accordance with company policies.
  • Researched customer inquiries related to billing errors, contract disputes or other discrepancies.

Wholesale Credit Admin Associate (WCAA) II

Bank of America
Cherry Hill, NJ
12.2010 - 09.2017
  • Acted as primary liaison among clients, client teams, credit service partners, and internal business partners.
  • Facilitated credit originations, approvals, documentation, bookings, fee collection, and renewals.
  • Monitored credit compliance while resolving documentation, collateral, and past-due exceptions.
  • Reviewed financial statements to ensure credit quality and data integrity.
  • Prepared short-term extension approval documents and coordinated with Credit Fulfillment for accurate loan bookings.
  • Ensured timely collection of client financial reporting requirements and followed up on loan monitoring activities.

Loan Adjustor II

Wells Fargo Bank
Philadelphia, PA
01.2009 - 12.2010
  • Evaluated risk by analyzing account information and financial statements.
  • Coordinated initial loan renewal processes to ensure timely service delivery.
  • Negotiated with borrowers and attorneys to develop effective work-out solutions.
  • Restructured problem loans and monitored adherence to payment plan agreements.
  • Analyzed account equity for full or partial charge-offs and attended foreclosure sales as necessary.
  • Conducted research to resolve title and collateral perfection issues.
  • Prepared documents related to loan modification requests such as payment plans and forbearance agreements.
  • Maintained detailed records of all transactions for audit purposes.
  • Monitored ongoing compliance with approved loan modifications.
  • Ensured that all applicable laws were followed when processing loan adjustment requests.
  • Maintained accurate records of all conversations with customers and updated customer files accordingly.
  • Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
  • Met with applicants to obtain information for loan applications and answer questions about processes.
  • Developed loan contracts and explained contract terms to clients.

Education

Bachelor of Arts (B.A) - Business Management

Eastern University
St. David, PA

Associate of Arts (A.A) - Liberal Arts

Burlington County College
Pemberton, NJ

Skills

  • BMC Remedy
  • JIRA management
  • Loan IQ
  • Salesforce nCino
  • Microsoft Word
  • Excel
  • PowerPoint
  • ACE
  • GUS
  • GMS
  • AFS
  • GPA
  • Navigator
  • Interact
  • Moody's
  • Credit toolkit
  • Tableau
  • Aurora
  • Blueprint
  • Aware

Professional Skills

  • Problem solving
  • Customer service
  • Regulatory compliance
  • Process improvement
  • Root cause analysis
  • Technical documentation
  • Project management
  • User support
  • Quality assurance
  • Training and development
  • Customer relationship management
  • Attention to detail
  • Leadership
  • Critical thinking

Timeline

Loan Servicing Specialist II/Inspector in Quality Assurance and Quality Control

JP Morgan Chase
10.2024 - Current

Platform Consultant

Bank of America
09.2021 - 10.2024

Center of Excellence Commercial Credit Specialist (CCS) II

Bank of America
09.2020 - 09.2021

Sales Support Associate (SSA)

Bank of America
07.2018 - 09.2020

Commercial Credit Specialist (CCS)

Bank of America
09.2017 - 07.2018

Wholesale Credit Admin Associate (WCAA) II

Bank of America
12.2010 - 09.2017

Loan Adjustor II

Wells Fargo Bank
01.2009 - 12.2010

Bachelor of Arts (B.A) - Business Management

Eastern University

Associate of Arts (A.A) - Liberal Arts

Burlington County College

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Melody Lashley