Melissa Lawler
Email: *********@********.***
Address: **** ***** ******* **
City: Raleigh
State: NC
Zip: 27603
Country: USA
Phone: 704-***-****
Skill Level: Experienced
Salary Range: 120
Primary Skills/Experience:
See Resume
Educational Background:
See Resume
Job History / Details:
Melissa Lawler
1812 Saint Patrick Drive * Raleigh, North Carolina 27603
*********@********.*** Cell: 704-***-****
Highly accomplished, results-oriented executive with proven success managing national operations. Critical thinker and adept negotiator who applies extensive knowledge to quickly improve cost structures and performance in operations and sales. Self-motivated, decisive leader who thrives in dynamic environments while remaining focused on change management, team building, and problem solving.
Core Competencies
* Change Management * Strategic Planning * Process Improvement
* Business Development * Risk Management * Cost Management
* Infrastructure Development * Employee Development * Project Management
Professional Experience
GRID FINANCIAL SERVICES, INC., Raleigh, NC 2010-present
Senior Underwriter/Team Lead
Underwrite conventional loans to agency and client guidelines in Retail, Wholesale and Correspondent lines of business. Manage staff and process flows including service levels, quality control, training and productivity. Work closely with clients and senior management to develop project plans and provide appropriate reporting of progress and performance.
UNIVERSITY OF NC AT CHARLOTTE, Charlotte, NC 2008-2010
Doctoral Student
Dissertation research: Used social network analysis to model complex communication and decision-making structures in order to predict how corporate structure impacts performance, efficiency and responsiveness to environmental changes.
IRWIN HOME EQUITY, San Ramon, CA 2005-2008
Vice President of Loan Production
Led Wholesale and Retail Divisions including two regional centers which funded $1 billion per year in high loan-to-value prime to Alt-A product. Managed operations, sales, training and production support. Responsible for P&L, $10+ mm budget, operational structure and long-range planning. Provided cross-functional management, coaching and mentoring; managed 11 direct reports including 4 Directors, 6 managers, and general oversight of 150 employees. Underwriting authority up to $1.5 million and multiple exceptions.
Key Achievements:
> Reorganized and streamlined operations resulting in 74% service level improvement, 37% increase in monthly sales, and 25% reduction in staffing and operational costs.
> Developed and established risk management program to ensure compliance with industry regulations.
> Designed and implemented training program for sales and operations which improved average productivity by 35% and reduced error rates 20%.
> Strengthened reporting methods and internal processes through the introduction of cross-functional project teams across departments and divisions including production (correspondent, wholesale, retail), credit and risk management, legal, IT, marketing and compliance.
GREENPOINT MORTGAGE, Novato, CA 2000-2005
AVP-National Operations (2004-2005); National Account Manager (2002-2004); Regional Operations Manager (2001-2002); Underwriting Manager (2000-2001)
Directed national operations in the Correspondent Lending Division including three regional operations centers which funded $3-4 billion per year in Alt-A product. Accountable for P&L, $10+mm budget, staffing, and strategic planning. As National Account Manager developed national accounts in the southeast that produced $600 million annually; negotiated forward commitments including product and pricing enhancements. Underwriting authority up to $1 million and 3 major exceptions.
Key Achievements:
> Opened Charlotte, NC underwriting and processing center.
> Implemented appropriate controls, improved tracking and reporting and created training program resulting in decreased investor delivery conditions.
> Improved performance and service levels 30% through process and structure enhancements
> Top eastern account manager in 2002 and 2003
> Member of Subject Matter Expert team for Customer Relationship Management initiative
FIRST BENEFICIAL MORTGAGE, Charlotte, NC 1997-2000
Vice President, DE Underwriter
Managed 11 staff members in the processing, underwriting and closing departments in a retail environment focused on government and conventional loans. Developed the wholesale division and managed five account executives in three states.
Key Achievements:
> Developed and implemented policies and procedures for processing, underwriting, closing and delivery departments
> Created business development plan to expand throughout the Southeast.
THE MONEY CENTRE, INC, Charlotte, NC 1995-1997
Operations Manager (1997); Account Executive (1995-1997)
Led nationwide expansion by opening wholesale operation in CO with responsibility for sales and operations, space, staffing, supplies and budget. Consistently ranked as top AE within NC and SC.
Additional Experience
CENTRAL PIEDMONT COMMUNITY COLLEGE, Charlotte, NC
Instructor, Real Estate and Banking courses
INDEPENDENT MORTGAGE, Charlotte, NC
Branch Manager, Sub-prime and Conventional Underwriter
Education and Training
UNIVERSITY OF NC AT CHARLOTTE, Charlotte, NC
BS- Biology, Cum Laude 2008; Doctoral Student- Biology 2009- 2010
UNIVERSITY OF PHOENIX, Phoenix, AZ (online)
Completed 37 hours including courses in Decision-Making, Financial Analysis, Information Systems, Organizational Behavior, Management, Project Management, Marketing and Statistics