Summary
Overview
Work History
Education
Skills
Timeline
Hi, I’m

Meyaka Taylor

Finance
Ocala,FL
Meyaka Taylor

Summary

Lending Professional with six plus years of success excelling in staff leadership of the Financial Loan industry. Effective communicator with a proven track record performing risk assessments, reviewing, and evaluating loan applications, and providing beneficial advice and support to clients. Possess excellent knowledge of finance and business management, organization, teamwork, and superior analytical skills. Proficient in Microsoft Office, Online Media Platforms, and Loan Application Software. Proven expertise in: Leadership and Management Loan Applications and Interviews Loan Operating Systems Analytical Underwriting Project Management Coverage Analysis Training and Development Risk Assessment Digital Media and Technology Quality Control Lending Regulation Proactive VP of Lending with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice.

Overview

17
years of professional experience

Work History

My Healthcare FCU
Gainesville, FL

Vice President of Lending
12.2022 - Current

Job overview

  • Responsible for overseeing the general operations of the lending department including loan origination, collections, and business development
  • Develop, implement, and monitor adherence to the Credit Union’s
  • Lending policies
  • Leads activities related to new product development, product implementation, and risk assessment, with respect to lending programs
  • Provide an overview of results and presents emerging trends for review/discussion to the senior management team
  • Provides leadership and oversight of staff development for the entire lending team, including training program assignments, leadership development opportunities, and regular department meetings/coaching
  • Manage the collection and recovery functions, including appropriate outsourcing of collection activities for both delinquent loans and negative share balances
  • Keeps delinquency and charge-offs at or below the credit union’s goal
  • In-house credit risk management expert including collections, bankruptcy, foreclosures, and loss mitigation
  • Develop relationships with vehicle dealerships to increase loan originations and memberships
  • Serves as primary liaison and contact for the credit union’s existing Field of Membership (FOM) Groups and all potential new organizations targeted by MyHCFCU for partnership
  • Supervises Loan Processor’s and MSR’s directly
  • Stay abreast of and provide leadership on new regulatory developments impacting lending policies, product compliance, and loan underwriting guidelines
  • Continued…

Meyaka Taylor, Rivermark Community Credit union
Beaverton, Oregon

Assistant Mortgage Operations Manager
06.2021 - 05.2023

Job overview

  • Assists in directing functions relating to the underwriting and processing of residential first mortgage and home equity loans
  • Collaborates with Mortgage Management to offer innovative, valuable mortgage solutions with a focus on risk management
  • Assists in managing Mortgage Pipeline as it relates to processing and underwriting
  • Provides narrative context for variations in SLA, implements timely adjustments to tactics or processes as appropriate and makes recommendations to achieve targeted results
  • Participates in department audits and certifications to ensure department compliance with policies and procedures
  • Ensures all security procedures are followed
  • Complies with all rules and regulations as they pertain to mortgage lending to minimize the risk of loss
  • Ensures compliance with all NCUA, Fannie Mae and mortgage insurance regulations
  • Manages team of 8-10 Mortgage loan processors
  • While supporting a performance driven culture through regular monitoring and coaching on underwriting and policy standards
  • Cultivates a culture of curiosity, encouraging exploration of efficient or optimized use of our systems and processes while maintaining regulatory compliance to ensure all KPI’s are being met
  • Assists in writing and maintaining department policies and procedures, structures the department functions and ensures processes are effective and efficient
  • Taking lead on project management initiatives
  • Responsible for researching new LOS systems, creating project charters, and submitting proposals for review
  • Familiar with LOS systems: Black Knight, L360, Mortgagebot, and Velocity.

Wells Fargo

07.2020 - 03.2021

Job overview

  • Examined and inspected borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials
  • Analyzed credit and collateral risk associated with auto applications, Home Equity Loans, and all consumer-based products and related documentation
  • Rendered a lending decision within authorized lending limits based on internal guidelines, investor (secondary market) guidelines, and industry lending practices
  • Documented all decisions to ensure each underwritten file met the credit union’s credit risk criteria and individual loan product guidelines
  • Communicated with originators, branches, processing, closing and secondary departments regarding all conditions needed.

First Tech Federal Credit Union
Hillsboro, Oregon

Indirect Underwriter
10.2018 - 07.2020

Job overview

  • Identify training needs, partner with internal stakeholders, and coach staff on IDL processes and procedures and with the technical knowledge, consultative sales capabilities, and expertise across the automobile industry
  • Monitor schedules for underwriting team ensuring continued coverage and service levels are maintained
  • Assist branch with the negotiation of loans based on internal lending guidelines, fair lending practices, and the ECOA (Equal Credit Opportunity Act)
  • Review and maintain sensitive and personal information including financial statements, credit reports, applicable debt ratios, and loan-to-value ratios in order to make credit decisions
  • Drive execution of the segment strategy to attain profit, quality, growth, multi-line diversification, and operational objectives
  • Provide transactional support and technical guidance throughout the underwriting process, including exercising decision-making authority on risk selection, pricing, and terms and conditions
  • Delivered an overall total capture rate of 35% and “B tier” and “C tier” capture rates of 22% and 5% respectively
  • Ensured 20-minute turn times allowing for the Credit Union to capture more deals.

Unitus Community Credit Union
Portland, OR

Senior Underwriter
04.2013 - 09.2018

Job overview

  • Examined and inspected borrower profiles, credit reports, title reports, income documentation and assets, including complex business returns and financials
  • Analyzed credit and collateral risk associated with auto applications, Home Equity Loans, and all consumer-based products and related documentation
  • Rendered a lending decision within authorized lending limits

Reliable Credit Association
Milwaukie, OR

Loan Officer/Title Clerk
10.2006 - 04.2013

Job overview

  • Examined income documents, loan criteria, stipulations, and credit history to establish loan risk and verified legal compliance
  • Managed a portfolio of loans and customers ensuring that each loan moved through the loan process as quickly and accurately as possible
  • Interviewed loan applicants, resolved member complaints involving loan decisions or errors on customer accounts, and approved or denied loan requests
  • Educated customers on the loan terms and conditions, and checked for clear understanding
  • Acted as a liaison across a cross-functional team
  • Contacted customers to create payment workouts or negotiate repayment plans that led to a reduction in portfolio delinquency
  • Processed documents for state registration and titling of vehicles, ensured that tax and title documents were completed
  • Serviced inbound and placed outbound calls with customers, dealers, DMVs and internal business partners related to unperfected loans.

Education

University of Phoenix

Bachelor of Science from Business Administration

University Overview

Nationwide Mortgage Licensing and Registry Certificate #1062776

University Overview

Skills

Revenue Generation

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Timeline

Vice President of Lending
My Healthcare FCU
12.2022 - Current
Assistant Mortgage Operations Manager
Meyaka Taylor, Rivermark Community Credit union
06.2021 - 05.2023
Wells Fargo
07.2020 - 03.2021
Indirect Underwriter
First Tech Federal Credit Union
10.2018 - 07.2020
Senior Underwriter
Unitus Community Credit Union
04.2013 - 09.2018
Loan Officer/Title Clerk
Reliable Credit Association
10.2006 - 04.2013
University of Phoenix
Bachelor of Science from Business Administration
05.2015
Nationwide Mortgage Licensing and Registry Certificate #1062776

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