MELONY HARPE
Edmond
Summary
Dynamic professional with comprehensive expertise in construction lending and risk management. Proven track record in portfolio oversight and team leadership, driving growth and compliance. Recognized for implementing effective loss mitigation strategies, achieving President’s Club status. Skilled in credit analysis and builder registration, ensuring asset quality and successful loan processing.
Overview
24
24
years of professional experience
Work History
Commercial Loan Office Assistant
First Citizens Bank and Trust
Oklahoma City
04.2024 - Current
- Assist with loans by collecting documentation, financial data and drafting agreements.
- Verify information and accuracy of loan application and closing documents.
- Maintain and apply knowledge of current lending policies, procedures, and regulations.
VP Construction Sales Manager
Planet Financial Group
Dallas
12.2023 - 03.2024
- Responsible for the development and performance of all construction sales activities.
- Perform business development activities to grow the company’s construction and builder volume.
- Assist and trains loan originators across the company on construction and builder loans.
Construction Loan Administration Manager
Gateway First Bank
Dallas
10.2014 - 09.2023
- Direct all aspects of Construction-to-Perm and Two-Time Close loan processes, including loan officer training, project review, and asset management.
- Oversee construction draw activities, ensuring timely inspections, funding, and adherence to project timelines.
- Monitor portfolio asset quality to mitigate risk and ensure compliance.
- Manage interest billing, payment processing, and general ledger reconciliations.
Construction Lending Manager
PrimeLending
Dallas
01.2014 - 10.2014
- Managed builder registration requests, including credit review and documentation collection.
- Coordinated project reviews with third-party vendors and loan closings with internal departments.
- Conducted training for branches and builders on one-time close processes.
Credit Underwriter
Bank of America
Irving
06.2013 - 01.2014
- Underwrote Conventional, MHA, FNMA, and FHLMC residential loans to meet investor and policy requirements.
- Verified accuracy, completeness, and compliance of all loan documentation.
- Authorized high-value loan approvals with SASE Level 3 signing authority.
Loss Mitigation AWARE Underwriter
DYSIS
Westlake
06.2012 - 06.2013
- Reviewed declined mortgage files to identify underwriting errors and reverse incorrect decisions.
- Validated or disputed QA findings, recalculated borrower income, and issued final credit determinations.
VP – Construction Lending / Asset Resolution Manager
First Horizon / MetLife Home Loans
Irving
06.2001 - 06.2012
- Managed a $500MM portfolio, overseeing loan structuring, construction fund management, and risk assessments.
- Led a team of underwriters, closers, funders, and analysts; directed training, assignments, and performance evaluations.
- Implemented risk mitigation strategies, including debt restructures, short sales, and foreclosures.
- Awards: President’s Club (2006–2012).
- Conducted builder registration reviews, credit checks, and compliance verifications.
- Cleared collateral underwriting conditions and reviewed construction documentation.
- Award: Top Performer (2004).
Education
University of North Texas
Denton, TXHigh School -
Edgren High School
Misawa, JapanSkills
- Construction-to-Perm & Two-Time Close Lending
- Portfolio & Risk Management
- Credit Analysis & Underwriting
- Asset Quality Oversight
- Loss Mitigation Strategies
- Builder Registration & Compliance
- Team Leadership & Training
- Loan Processing & Closing Coordination
Timeline
Commercial Loan Office Assistant
First Citizens Bank and Trust
04.2024 - Current
VP Construction Sales Manager
Planet Financial Group
12.2023 - 03.2024
Construction Loan Administration Manager
Gateway First Bank
10.2014 - 09.2023
Construction Lending Manager
PrimeLending
01.2014 - 10.2014
Credit Underwriter
Bank of America
06.2013 - 01.2014
Loss Mitigation AWARE Underwriter
DYSIS
06.2012 - 06.2013
VP – Construction Lending / Asset Resolution Manager
First Horizon / MetLife Home Loans
06.2001 - 06.2012
University of North Texas
High School -
Edgren High School
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