Melissa L. Grayson

404-***-**** *** Mountclaire Dr Cumming. Georgia 30041 acceap@r.postjobfree.com

Objective: To obtain a challenging career with a progressive and growing company that offers me a chance

for advancement and long term employment while incorporating my knowledge and experience.

Experience 11/8/10- present First Century Bank Roswell, GA

VP, Underwriting Manager

Oversee all Underwriters

Ensure Underwriters & Processors comply with investor and First Century Bank specific

underwriting guidelines and ensure compliance with numerous state and federal regulations.

Work with product development team on weekly basis, to identify and implement training

needs for the entire team including,Underwriters, Processors, Closers, Loan officers and

Sales Managers to maintain strict compliance with investor guidelines which include but not

limited to Wells Fargo, BB&T, GMAC, Bank Of America, Suntrust, US Bank, FHA, Fannie

and Freddie, VA and USDA

Review packages/loan approvals within lending authority of $750,000

Conducting monthly and quarterly performance reviews.

Responsible for interviewing and hiring Underwriters and Processors

Work closely with Post Closing and work with VP of Secondary to ensure loans cleared and

sold in a timely manner.

Analyze loan packages for credit worthiness and underwrite to specific investor guidelines

such as Wells Fargo, Suntrust, GMAC/Ally, FHA, Fannie and Freddie, VA & USDA. Run

Desktop Underwriter and Loan Prospector on loan files and condition file appropriately to

ensure loan sale ability. Underwrite loan files to maintain 24 hour turn time. Review and clear

all loan conditions including appraisals.

DE certified with HUD & LAPP/SAR with VA

10/09-11/3/10 Community First Bank/Alpharetta Branch Baltimore, MD

Underwriting Manager

Oversee all Underwriters .

Ensure Underwriters, Processors and Sales comply with investor and Community First Bank

specific underwriting guidelines and ensure compliance with numerous state and federal

regulations.

Identify and implement training needs for the entire team including,Underwriters, Processors,

Closers, Loan officers and Sales Managers to maintain strict compliance with investor

guidelines which include but not limited to Chase, Flagstar, BB&T, Bank Of America

Suntrust, GMAC, FHA, Fannie and Freddie & VA.

Review packages/loan approvals within lending authority of $500,000

Conducting monthly and quarterly performance reviews.

Responsible for interviewing and hiring Underwriters.

Work closely with Post Closing and work with VP of Secondary to ensure loans cleared and

sold in a timely manner.

Analyze loan packages for credit worthiness and underwrite to specific investor guidelines

such as Chase, Flagstar, Suntrust, Bank of America, FHA, Fannie and Freddie. Run Desktop

Underwriter and Loan Prospector on loan files and condition file appropriately to ensure loan

sale ability Underwrite loan files to maintain 24 hour turn time. Review and clear all loan

conditions including appraisals.

DE certified with HUD

5/07-9/09 Community First Bank/Alpharetta Branch Atlanta, Georgia

Operations Manager/Underwriter

Report directly to the VP and responsible to manage a team of Processors, Closers and

Underwriters while implementing procedures necessary to close up to 18 million per month .

Ensure Underwriters, Processors and Sales comply with investor and BayRock specific

underwriting guidelines and ensure compliance with numerous state and federal regulations.

Identify and implement training needs for the entire team including,Underwriters, Processors,

Closers, Loan officers and Sales Managers to maintain strict compliance with investor

guidelines which include but not limited to Franklin American, Flagstar, Chase, ING, Taylor

Bean, Suntrust, FHA, Fannie and Freddie.

Review packages/loan approvals within lending authority of $1,000,000.

Conducting monthly and quarterly performance reviews.

Responsible for interviewing and hiring Underwriters, Processors and Closers.

Manage Post Closing and work with VP of Secondary to ensure loans cleared and sold in a

timely manner.

Analyze loan packages for credit worthiness and underwrite to specific investor guidelines

such as Chase, Flagstar, Suntrust, Bank of America, FHA, Fannie and Freddie. Run Desktop

Underwriter and Loan Prospector on loan files and condition file appropriately to ensure loan

sale ability Underwrite loan files to maintain 24 hour turn time. Review and clear all loan

conditions including appraisals.

DE certified with HUD

2/06-5/07 BayRock Mortgage/Wholesale Atlanta, Georgia

AVP/Team Operations Manger

Report directly to the Sr VP and responsible to manage a team of up to 26 underwriters and

sales people while implementing procedures necessary to close up to 75 million per month .

Ensure underwriters comply with investor and BayRock specific underwriting guidelines and

ensure underwriters comply with numerous state and federal regulations.

Identify and implement training needs for the entire team to maintain strict compliance with

investor guidelines which include but not limited to RFC, Countrywide, Aurora, and EMC.

Work directly brokers and sales teams and provide training as needed.

Work with Secondary/Post closing to ensure loans cleared and sold in a timely manner.

Responsible for interviewing and hiring underwriters and processors.

Conducting monthly and quarterly performance reviews.

Review packages/loan approvals within lending authority of $1,000,000

Analyze loan packages for credit worthiness and underwrite to specific investor guidelines

such as Chase, Flagstar, Suntrust, Bank of America, FHA, Fannie and Freddie. Run Desktop

Underwriter and Loan Prospector on loan files and condition file appropriately to ensure loan

sale ability. Underwrite loan files to maintain 24 hour turn time. Review and clear all loan

conditions

6/05-1/06 Wilmington Finance Atlanta, Georgia

Underwriter

Analyzed loan packages and submission for credit worthiness and underwritten to investor

guidelines such as Countrywide and RFC

Worked directly with broker and sales people to resolve issues and maintain a prosperous

relationship.

Worked with Operations Managers in training new Underwriters and Sales people as needed.

Issued final approval to loans up to $300,000 and issued final appraisal approval.

12/02 to 01/05 South Star Funding Atlanta, Georgia

Senior Underwriter / Team Leader

Reported directly to the Vice President of Operations and managed a team of up to 12

underwriters that reviewed over 1000 files per month.

Utilized a lending authority of up to $1,000,000 on high risk loans, exception loans and loans

outside underwriter authority levels.

Responsible for interviewing, presenting employment offers and conducting employee

performance reviews which included developing action plans for performance improvement

and taking corrective action as needed.

Provided initial and ongoing training to a team of underwriters on guidelines, policy changes

and feedback from investors on loan sales which included but was not limited to Fannie Mae,

Bear Sterns, RFC and Household.

Worked directly with Regional Sales Managers and Account Executives to maintain

relationships with brokers by providing training to account executives and brokers and by

forwarding feedback to underwriters.

11/01 to 11/02 Decision One Mortgage Atlanta, Georgia

Senior Underwriter

Responsible for interviewing, hiring, training, and managing 3 underwriters and 7 account

managers that reviewed over 300 loan packages per month.

Implemented and enforced operations policies to ensure efficient processing and underwriting

of loan packages to exceed monthly volume goals.

Underwrote loans to Household International’s primary core program as well as various other

secondary investors programs (RFC, Citi Financial and Impac).

Conducted weekly meetings with the entire operations and sales staff to guarantee guideline

consistency with all programs.

Issued final appraisal approval for loan amounts up to $250,000 utilizing various online

services to evaluate risk and determine final value.

10/97 to 11/01 NCS / OakMont Mortgage Norcross, Georgia

Underwriter

Assisted in managing a team of up to 6 underwriters that were responsible for closing over $8

Million in loan volume per month.

Analyzed pre-loan submissions and full loan packages for credit worthiness.

Directly assisted brokers and account executives with various different programs.

Established direct contact with brokers to resolve various issued and maintain a prosperous

relationship.

Trained over 50 new underwriters, pipeline managers and account executives in credit and

appraisal analysis.

11/92 to 10/94 Beneficial Credit Services Conyers, Georgia

Purchasing Manager

Managed sales department operations.

Conducted market research by investigating new target markets and analyzing competitive

data.

Prepared and presented various volume and statistical reports directly to Regional Managers.

Personally handled and resolved various problems with merchant accounts and loan offices.

Managed an increase in sales volume by reviewing monthly reports, making

recommendations and implementing new more efficient policies.

11/94 to 10/97 Beneficial Credit Services Conyers, Georgia

Sales Account Executive

Generated business with direct mail, buying groups, cold calls and trade shows.

Analyzed financial statements to develop merchant profile guides.

Developed proposals to fit merchant needs then directly presented and negotiated program

terms with top merchant officials.

Planned and conducted merchant kick off meetings where operating procedures and program

guidelines were introduced and explained.

Provided direct customer service to merchants and loan officers by conducting product

training workshops.

Summary: Strengths include excellent leadership, organizational and problem solving abilities

Computer experience in many different industry based programs such as DO, LP, RealQuest,

Corelogic.

Experienced in inside and outside sales, customer relations, interviewing, hiring, training, and

managing employees.

Contact this candidate