Michelle Moreland
Kirkwood,MO
Summary
Solid history of surpassing expectations in positions of LPN, Client Services, and Paralegal/Discovery/Compliance Management along with Licensing and contracts and reconciliation and research skills. Thorough knowledge of State and Federal regulations for legal collections and medical practices, litigation, contracts, and appeals. Thorough knowledge of Medical, Military, Medicare, Medicaid, and hospital contracts. Creative, hardworking, thorough, assertive, reliable, and ethical. Effectively and efficiently managed diverse staff in demanding, fast-paced environments. Thorough analytical skills to evaluate given information to research additional information and to evaluate and compile the information so a situation is clearly defined, and a conclusion can be drawn. Trusted Paralegal offering extensive legal skill set, proficiency in managing large caseloads and capacity to meet deadlines. Collects, organizes, analyzes and disseminates significant amounts of information with attention to detail and accuracy. Exercises independent judgment regarding legal and contractual matters within broadly defined practices and policies.
Overview
16
16
years of professional experience
Work History
Senior Loan Specialist
United States Small Business Administration
Birmingham , AL
2023.07 - Current
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Performed daily maintenance of loan applicant database.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Processed payments over phone and set up recurring drafts.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Remained calm, stayed professional and provided exceptional service on calls, even when interacting with difficult individuals.
- Negotiated credit extensions to assist customers in paying overdue accounts.
Senior Loan Specialist
RP Professional
St. Louis , MO
2021.03 - 2023.07
- Assisting borrowers in the loan process, application and modifications
- Analyzing financial statements, tax returns, credit reports, and/or earning potential of individuals and/or business enterprises
- UCC filings, liens, bank garnishments
- Assisting in the collection process; payoff letters and deferment process
- Review IRS tax transcripts for accuracy
- Supports with origination, documentation and monitoring of
- SBA loans
- Taking and assisting with payments, collections
- Forgiveness programs and small business applications
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Director of Legal/ Contracts
Mom 365
St. Charles , MO
2018.11 - 2020.03
- Drafting Legal Documents
- Online Databases
- Conducting Intakes
- Legal Transcripts
- Review of Pleadings
- MS Office
- Written Communication
- Interpersonal
- Communication
- Multitasking abilities
- Computer proficiency
- Negotiated contracts with outside providers to minimize costs to company and customers.
- Organized and maintained documents, files and records.
- Worked with management team to improve workflows and eliminate unnecessary tasks.
- Collaborated with other departmental leaders to establish organizational goals, strategic plans and objectives.
Paralegal/, Compliance / Collections/Regulatory /Contracts
THF Management, INC/ The Kroenke Group
St. Louis , MO
2016.02 - 2018.09
- Manage and Maintain collection accounts/ tenants for over 350+ shopping centers
- Nationwide
- Determine credit worthiness of tenants and corporations
- And provide an overview to management and counsel
- Along with drafting documents for finalization
- Research and review present and past contracts and agreements for compliance and renewals and Negotiate terms and conditions.
- Filed pleadings and paperwork with court clerk to meet strict deadlines.
- Organized exhibits for trial by preparing materials and supporting documentation.
- Identified and analyzed legal documents, discoveries and contracts.
- Organized client calendars, prepared mailings and handled high call volumes.
- Interviewed clients and obtained vital case information to support associates.
- Entered data into and managed litigation databases and Excel spreadsheets.
- Participated in client interviews, observed questioning process and documented information.
- Used WestLaw and LexisNexis to examine secondary sources, statutory and case law and federal and state regulations.
License / Compliance /Regulatory
Numotion
Hazelwood , MO
2014.06 - 2016.02
- Maintain/ manage all licenses/inspections including City, State
- County, Medicare, and
- Medicaid for a branch
- Manage over 1500 branches
- Research and review documents from government agencies
- Including but not limited to statutes, regulations
- Managed/drafted appeals needed for locations
- Negotiated terms and conditions for new and existing contracts, leases for locations
- Reviewed and prepared and revised acquisitions, contracts with
- Medicare and Medicaid and private insurance companies for reimbursement.US
- Maintained compliance frameworks, policies and documentation to support audits.
- Organized training programs to educate company staff on benefits and consequences of complying or defying regulations.
- Liaised between regulatory agencies and internal departments to facilitate regulatory and related matters.
- Analyzed data to provide insights and recommendations for mitigating conduct risk.
Paralegal
US Bank NA
St. Louis , MO
2012.12 - 2014.06
- Business litigation, collections, regulatory and Compliance
- Performed legal, regulatory, compliance research/discovery and analysis for multiple attorneys
- Appeared in court as an expert witness on behalf of the organization regarding our records and contracts
- Managed litigation processes across all our lines of business across the country
- Resolved disputes with customers, vendors and other banks
- Renewed and negotiated terms and conditions for new contracts for vendors, banks and clients.
- Filed pleadings and paperwork with court clerk to meet strict deadlines.
- Identified and analyzed legal documents, discoveries and contracts.
- Entered data into and managed litigation databases and Excel spreadsheets.
- Used WestLaw and LexisNexis to examine secondary sources, statutory and case law and federal and state regulations.
- Attended administrative hearings to provide viable information and identify additional actions needed.
Underwriter/Recovery/Loan, Processor/Research Assistant
CitiBank
Fallon , MO
2012.09 - 2013.10
- Reviewed/Appealed/Settlement documents including contracts, regulations, laws for the underwriting process
- Along with i.e
- Appraisal reports, compliance inspections, credit reports, job verifications, financial statements and tax returns, and inspections
- Assessed loan approval criteria and informed the production staff within corporate timeframe; communicated the risks on the loan and or contracts
- Developed an analysis for management to review for decisions
- Interpreted investor's guidelines and policies and contracts to ensure that loans are saleable in the secondary market and responds to individual and investor audits.
- Filed paperwork according to standard operating procedures and entered data points into tracking system.
- Processed documents to maintain records and files.
- Reviewed order forms to prepare orders for processing.
- Completed quality assurance testing on goods and products.
- Conducted qualitative and quantitative analysis on assigned data.
- Assisted with preparing presentation materials before major meetings and reviews.
Medical Paralegal
C. Marshall Friedman
St. Louis , MO
2011.12 - 2012.09
- Personal Injury Litigation and workmen's compensation
- Worked closely with claims agents/investigators, insurance companies, courts, attorneys; client management, overseeing all pre-litigation and litigation functions, providing clarification and negotiations for medical and personal liens along with terms and conditions
- Drafted and filed all initial complaints, service orders for filing the case.
- Organized exhibits for trial by preparing materials and supporting documentation.
- Identified and analyzed legal documents, discoveries and contracts.
- Interviewed clients and obtained vital case information to support associates.
- Entered data into and managed litigation databases and Excel spreadsheets.
- Prepared clients for appointments, depositions and testimony.
- Coordinated subpoena services and other support activities for legal office.
- Used WestLaw and LexisNexis to examine secondary sources, statutory and case law and federal and state regulations.
- Produced well-researched and articulate legal briefs, pleadings and statements.
- Prepared compliance and regulatory forms for legal cases and suits.
- Managed contract intake and review for large vendor agreements.
Collections Paralegal
Gamache and Myers, Bank of America
St. Louis , MO
2007.02 - 2011.08
- Participated in mediations and writing and revising of contracts, provided a summary of medical records, litigation notes and contracts with insurance companies, the client's employment
- Business litigation and collections, medical/, Successfully managed the firm's high-profile clients including,, Worldwide
- Asset Management, and TRAKAmerica in the Gamache &
- Myers Legal Network
- Maintained client satisfaction and portfolio performance
- Conducted monthly and quarterly business reviews/ Audits with nationwide clients and counsel
- Managed training of new and transitioning employees on client expectations and network procedures
- Responsible for assessing regulatory compliance and quality through audits.
- Recorded information about customers' financial status and collections status efforts.
- Followed fair debt collection standards in all activities.
- Delivered subpoenas and coordinated law office activities.
- Stayed abreast of changes in legislative and regulatory guidelines.
- Analyzed legal statutes, codes and previous court decisions to determine optimal course of action.
Education
Bachelor of Human Resources -
Ashford University
01.2018
Associates Degree - Paralegal Studies
Sanford Brown College
01.2003
Washington School of
Practical Nursing
Skills
- Document Organization
- Accounts Payable and
- Accounts Receivable
- Client Correspondence
- Business Operations
- Data Collections
- Advanced Excel Spreadsheet
- Functions
- Data Verification
- Computer Billing Systems
- Accuracy Verification
- Summary Writing
- Filing System Organization
- Westlaw and LexisNexis
- Database Searching
- Correspondence and Legal
- Forms Drafting
- Litigation Support
- Writing and Editing
- Advanced Word Processing
- QuickBooks Pro
- Business Development
- Database Management
- Excellent Communicator
- Client Relations
- Document Analysis
- Regulatory Compliance
- Relationship Building and Management
Timeline
Senior Loan Specialist
United States Small Business Administration
2023.07 - Current
Senior Loan Specialist
RP Professional
2021.03 - 2023.07
Director of Legal/ Contracts
Mom 365
2018.11 - 2020.03
Paralegal/, Compliance / Collections/Regulatory /Contracts
THF Management, INC/ The Kroenke Group
2016.02 - 2018.09
License / Compliance /Regulatory
Numotion
2014.06 - 2016.02
Paralegal
US Bank NA
2012.12 - 2014.06
Underwriter/Recovery/Loan, Processor/Research Assistant
CitiBank
2012.09 - 2013.10
Medical Paralegal
C. Marshall Friedman
2011.12 - 2012.09
Collections Paralegal
Gamache and Myers, Bank of America
2007.02 - 2011.08
Bachelor of Human Resources -
Ashford University
Associates Degree - Paralegal Studies
Sanford Brown College
Washington School of
Practical Nursing
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