Melissa Hansen
Rileyville,VA
Summary
Dynamic business banking professional with a proven track record at Blue Ridge Bank, N.A. Skilled in loan structuring and credit assessment, I enhance operational efficiency and customer satisfaction. Adept at problem-solving and fostering teamwork, I drive strategic initiatives that lead to increased business opportunities and compliance with industry regulations.
Overview
15
15
years of professional experience
Work History
AVP Business Banker
Blue Ridge Bank, N. A
Luray, VA
10.2019 - Current
- Led strategic initiatives to enhance operational efficiency and customer satisfaction.
- Streamlined processes to optimize service delivery and reduce turnaround times.
- Implemented risk management strategies to safeguard organizational assets and comply with regulations.
- Facilitated training sessions on new technologies and systems for enhanced team performance.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Provided strong leadership to enhance team productivity and morale.
Credit Analyst
Blue Ridge Bank, N. A
04.2017 - 10.2019
- Conducted financial analysis to evaluate customers' creditworthiness and repayment capacity.
- Collaborated with lending teams to streamline loan processing and improve turnaround times.
- Reviewed customer applications for compliance with regulatory standards and internal policies.
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Made decisions and recommendations about extending lines of credit.
- Gathered loan documentation for underwriting.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Loan Assistant
Blue Ridge Bank, N. A
Luray, VA
05.2011 - 04.2017
- Assisted in processing loan applications, ensuring accuracy and compliance with regulations.
- Collaborated with loan officers to gather necessary documentation from clients.
- Maintained customer database, updating records and tracking application statuses efficiently.
- Provided exceptional customer service, addressing inquiries and resolving issues promptly.
- Supported loan closing processes, coordinating with title companies and appraisers effectively.
- Managed multiple priorities simultaneously while consistently meeting deadlines for loan closings and disbursements.
- Assisted in maintaining a high level of customer satisfaction by addressing concerns and providing timely responses to inquiries.
- Ordered information such as credit reports, environmental assessments, and property appraisals.
Education
High School Diploma -
Luray High School
Luray, VA06-1994
Skills
- Loan structuring
- Credit assessment
- Underwriting expertise
- Teamwork
- Customer service
- Problem-solving
Timeline
AVP Business Banker
Blue Ridge Bank, N. A
10.2019 - Current
Credit Analyst
Blue Ridge Bank, N. A
04.2017 - 10.2019
Loan Assistant
Blue Ridge Bank, N. A
05.2011 - 04.2017
High School Diploma -
Luray High School