Canon, Georgia ***** 706-***-****
*******.*****@*****.*** Melissa Lowery-Ruff
Objective Over 15 years of responsible experience with a
proven record of accomplishment in the areas of
accounting, customer relations, scheduling, banking
and finance, and general office operations.
Excellent ability to analyze and interpret the
needs of customers and offer appropriate solutions.
Strong organizational abilities combined with
excellent interpersonal, and communication skills
that allow me to work effectively with other people
on all levels.
Experience 11/2004- 10/2010 Re/Max Anchor All Realty
Hartwell, GA
Office Manager/Mortgage Loan Processor
Completing, verifying, compiling, and inputting
financial data on loan applications, ordering
Title, Appraisal, Homeowners Insurance, compiling
file and submitting to lender of choice for
underwriting approval, submitting conditions to
lender prior to final approval, scheduling closing
with the attorney and the lender, recording of data
on status of loans in process, communications with
credit bureau on credit reporting discrepancies and
communications with the attorney on title issues.
Assisted all agents within the company with
inputting new listing information on line,
scheduled property showing appointments,
communicated with all sellers with information
regarding their property showings, market updates,
and status, pulling comparables for new listing
presentations. Answered telephones and assisted
callers with up to date information regarding real
estate listings and mortgage loan services as well
as handled all front office walk-ins, kept company
web site up to date with new property listing
information and updated active listings.
8/2003- 12/2003 Anderson Federal Credit Union
Hartwell, GA
Teller/Customer Sales Rep
Assisted customers with deposits and withdrawals
and problems concerning their accounts, sold
banking services, and handled large sums of money.
3/2002- 11/2002 Bauknight & Associates, Inc
Hartwell, GA
Bookkeeper/Receptionist
Answered telephones and scheduled surveying
appointments, processed monthly statements with
QuickBooks, handled collections on past due
accounts, and researched the property at the
courthouse prior to survey being rendered.
11/1997- 3/2002 Adams Building Supply, Inc
Hartwell, GA
Accounts Payable & Receivable
Primary responsibility was accounts payable for 3
(three) branches; Hartwell, Ga., Elberton, Ga., and
Abbeville, SC. Assisted with accounts receivable
in processing payments and assisting customers with
account problem and questions. Processed credit
applications and opened new accounts. Processed
monthly statements for 3 branches and processed for
mailing. Balanced general ledger accounts monthly,
reconciled 6 monthly bank statements, and processed
2 Georgia sales tax returns and 1 South Carolina
sales tax return. In absence of Financial Officer,
processed weekly payroll for 20+ employees, and in
absence of Hartwell store manager, balanced cash
drawer and made deposits.
9/1994- 7/1995 The Bank of
Hartwell Hartwell, GA
Teller/Customer Service Rep
Assisted customers with deposits and withdrawals,
opened new accounts, and sold banking services.
Assisted customers with problems concerning their
accounts, balanced branch location vault and ATM,
and handled large sums of money.
3/1989- 3/1993 The Bank of
Hartwell Hartwell, GA
Teller/Bookkeeping Department
Assisted customers with deposits and withdrawals,
sold banking services, and handled large sums of
money. Filed checks, 3694 Proof Machine operator
as well as operator of NCR 20 proofreader.
Operated PC that controlled the outside marquee, as
well as operated the PC with direct access to the
Federal Reserve. Light system operational duties
and assisted with the multi-line switchboard.
Education 1983-1986 Hart County High School Hartwell, GA
Classes in typing and computers
Interests Camping, fishing, sports, and spending time with
family and friends.
Computer Skills Proficient with all Microsoft applications,
internet, email, Calyx Software.