Meredith Amidon Bailey
**** ********** ****** ** **********, VA 23112
*****************@*****.***
EMPLOYMENT HISTORY
Credit Justice Services, Charlottesville, VA
Credit Repair Specialist & Account Manager
Use provisions in consumer laws to remove inaccurate and unverifiable
negative information on credit reports. Develop certified credit
consultants inside mortgage and realty organizations.
GE Intelligent Platforms, Charlottesville, VA
03/10 - 4/11
Purchasing Agent (Contract through Adecco)
Performed all phases of material support for manufacturing. Generated and
maintained purchase orders and other required documentation in support of
electronic component purchasing activities. Managed vendor issues with
quality, delivery and other contractual obligations. Participated in and
initiated Engineering Component Changes as it related to MRP system
configuration control. Bid newly approved parts on open market. Managed
largest passive component supplier contract. Knowledge and application of
lean manufacturing techniques. Proficiency in Microsoft Office
Applications. Advanced Excel skills. ERP/MRP system experience. SAP &
Oracle (Agile).
Lakeshore Community Development Corp, Euclid, OH 08/08
- 05/09
Consultant (Contract)
Created charters, goals, business plans and organizational structures for a
newly formed non-profit to respond to the $2.6 Million awarded to the City
of Euclid from HUD under the Housing and Economic Recovery Act of 2008 to
stabilize area neighborhoods by selling, renovating or demolishing
abandoned and foreclosed houses. Main emphasis on rent to own housing
programs, and foreclosure prevention.
Senior Mortgage Loan Officer 07/01 -
07/08
Flagstar
Quicken Loans
South Banc
Toll Brothers
Millennium Bank
For Flagstar, FHA Title I and II loan consultant to clients of Rysar
Properties, the largest inner city real estate developer in Cleveland, OH.
Worked closely with the client to qualify for and complete the applications
for the deferred second mortgage loans provided through HUD in the form of
CDBG and HOME money for the homeownership zone areas. Provided significant
credit counseling. Collaborated and participated heavily with various
community development corporations and City housing officials. Designed
Rent to Own program and guidelines for builder based on FHA underwriting
guidelines. CRA Specialist.
For Quicken Loans, Selected to be a part of the start up team to open the
Cleveland Contact Center. It grew from 50 to 300+ people. Specialized in
purchase transactions and significantly impacted internal technology design
for purchase transactions, as well as taught classes on how to win purchase
business in the call center environment. Fielded calls throughout contact
center for credit analysis/consulting.
For Toll Brothers, I worked exclusively with clients purchasing Toll
Brothers' homes. With a long loan cycle of 6 to 8 months waiting for the
completion of the home, I would plan out savings, debt reduction, down
payment, and often a plan to refinance their existing home to accomplish
these goals. Managed the Affordable Dwelling Unit (ADU) program Toll had
with Loudoun County to include client qualification, credit and
homeownership counseling.
For Millennium,
* Responsible for hiring, training and developing 10 + loan officers on
investor products, guidelines, and operational systems for conforming and
jumbo mortgages.
* Responsible for hiring, training and managing a loan processor and
closer.
* Responsible for monthly and quarterly sales production reports and
forecasts.
Siemens Enterprise Networks, Charlottesville, VA
8/98 - 6/01
Account Manager
Sales and consulting to current large enterprise clients for voice, unified
messaging, data, converged networking, contact center and wireless/mobility
applications, architectures and protocols. Received national award for TTY
design and application. Experience with voice switches converged with TDM,
IP, ATM, Frame Relay & Fiber networks.
Yo Wear Clothing Co, Charlottesville, VA 9/92 -
8/98
Sales & Product Management
Designed and implemented market research to influence product development,
target advertising, and sales strategies. Created department and acquired
large retail clients for the design and development of private label
programs. (Nordstrom's, M.R. Ducks)
EDUCATION
Extensive training in credit repair with an emphasis on legal standards of
Fair Credit Reporting Act, Fair Debt Collections Act, and FACT Act 312, and
on the metrics used by the bureaus for credit scoring.
Underwriting guideline training for conventional and FHA single family. DE,
DU, LP, Scorecard, and Caivers proficiency. HMDA, RESPA, and HUD/FHA
disclosure, and Bank Secrecy Act .
University of Virginia
B.A. Communications
Core courses: Accounting, Marketing, Statistics & Zero Sum Analytics,
Operations & Management.