Michael Melinz
Mentor,Ohio
Summary
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
8
8
years of professional experience
Work History
Credit Card Underwriter
JPMorgan Chase Bank
06.2022 - Current
- Utilizing excellent financial credit skills to prepare written credit reviews which assesses credit opportunities and/or identify key risk aspects of credit profiles
- Determining capacity of individuals to repay financial obligations by examining key areas of credit reports as well as financial statements
- Coaching and mentoring of analysts who gain new job function
- Interacting with clients over the phone to discuss current and past financial picture
- Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems.
- Made approval and denial recommendations by determining accurate risk levels.
- Reduced company losses by identifying potential risks and recommending appropriate mitigating measures.
Mortgage Underwriter
JPMorgan Chase Bank
01.2021 - 06.2022
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Maintained open lines of communication with internal stakeholders such as processors, closers, and sales representatives to ensure a seamless mortgage underwriting process.Meet productivity targets for productivity, quality, and customer satisfaction
- Mentor and train underwriters promoted or hired into department
- Serve as a backup to the UW manager
Mortgage Processor
JPMorgan Chase Bank
03.2017 - 01.2021
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Communicate loan documentation needed with clients in order to complete loan approval
- Achieved higher success rate in closing loans by maintaining open communication channels between all parties involved in the transaction process.
- Balanced a large number of loans in various regions
- Ensured that all company and regulatory guidelines were met
- Reviewed financial documentation to identify areas of concern in loan approval
- Entrusted to coordinate internal loan operations to ensure closing date was met.
- Ensured seamless handover of approved loans to the closing department by providing complete and accurate documentation packages.
- Contributed to the team's success in exceeding monthly loan processing targets through diligent work ethic and efficient task management.
- Covered for team members and managers
Bank Teller
Huntington National Bank
06.2016 - 03.2017
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Responsible for retaining and growing consumer and business customer relationships by proactively identifying financial goals and needs and recommending appropriate deposit, loan and other banking products and services
- Effectively resolves customer issues
- Educate customers on how to optimize their use of bank technology (online, mobile, and ATM banking) so they can bank more conveniently and better manage their money
- Adheres to all operational, security, risk and regulatory related policies and procedures.
Education
B.A. Financial Studies -
John Carroll University
05.2016
Skills
- Customer service
- Attention to detail
- Problem solving
- Teamwork
- Computer skills
- Conflict resolution
- Customer relations
- Analysis
- Detail-oriented
- Risk management
- Communication
Timeline
Credit Card Underwriter
JPMorgan Chase Bank
06.2022 - Current
Mortgage Underwriter
JPMorgan Chase Bank
01.2021 - 06.2022
Mortgage Processor
JPMorgan Chase Bank
03.2017 - 01.2021
Bank Teller
Huntington National Bank
06.2016 - 03.2017
B.A. Financial Studies -
John Carroll University