Melvyn Thomas
Northridge,CA
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
2
2
years of professional experience
Work History
Commercial Loan Processor
PeerStreet
El Segundo, CA
11.2021 - 06.2022
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Provided quick turnaround times to maintain fast-past schedule.
- Coordinated closing process with attorneys, title companies and government clerks.
Initial Underwritter
Intuit
08.2021 - 11.2021
- Upheld strict security and safety procedures to protect business from financial losses due to theft or careless mismanagement.
- Established solid client base by identifying company resources, determining client risk factors and promoting solutions that alleviated risk potential.
- Identified company resources, determined client risk factors and promoted solutions to establish solid client base.
- Worked with clients and risk management specialists to provide meaningful solutions that met client needs.
Loan Counselor
PennyMac Loan Servicing
05.2020 - 02.2021
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assessed aging accounts and initiated collection strategies based on conditions.
Education
Bachelor of Science - Business Management
CSU Global
Aurora, CO12.2022
Associates - Business and Social Studies
Pierce College, Moorpark College
Woodland Hills, CA2019
Skills
- LexisNexis Software
- Creditworthiness Determination
- Credit File Updating
- Loan Application Preparation
- File Management
- Loan Records Filing and Maintenance
- Regulatory Compliance
- Loan Modification
- Borrower Correspondence
- Loan Processing Coordination
- Property Evaluation
- Title Research
Accomplishments
- Awarded A.C.E ( Achieve Client Excellence) award in June of 2020 for semi as well as quartarly for excellence in servicing loans under Forbearance due to Covid-19, to work hand in hand with clients recovering from hardship.
- Awarded a certificate of excellence in Nov, 2017 by wireless lifestyle in leading all part-time associates in the southern california region, in percentage to quota in sales with 167% over quota given YTD.
- Awarded certificate of Excellence in october of 2017, by wireless lifestyle in leading all part-time associates in socal region in the 3rd quarter for percentage to quota in sales.
Timeline
Commercial Loan Processor
PeerStreet
11.2021 - 06.2022
Initial Underwritter
Intuit
08.2021 - 11.2021
Loan Counselor
PennyMac Loan Servicing
05.2020 - 02.2021
Bachelor of Science - Business Management
CSU Global
Associates - Business and Social Studies
Pierce College, Moorpark College