Melanie R. Luongo

*** ********** ****, ******** *****, VA 23462

Cell: 757-***-****

Email: acv2ep@r.postjobfree.com

Qualifications Summary

Expert in policies and procedures, internal audit and compliance. Well rounded experience in management, operations, finance, sales, collections and recruiting.

Professional Experience

OVM/Movement Mortgage – Virginia Beach, VA

Loan Officer Assistant / Transaction Coordinator (September 2015 - March 2016)

•Oversee entire mortgage process including from application to closing

•Ensure loan applicant provides required information and supporting documentation

•Review loan applications and documents for accuracy and completeness

•Manage applicants expectations related to precessing times and closing dates

Legal Resources - Virginia Beach, VA

Accountant (July 2014 - September 2015)

•In charge of all company Accounts Payables for 3 locations, including all employees' personal expenses and Corporate Credit Cards.

•Prepare and calculated the Monthly Attorney Retainers for over 60 Attorneys in Hampton Roads, Richmond and Maryland areas

•Produce Monthly Productivity Reports calculating the updated number of members in the Hampton Roads, Richmond and Maryland Regions for upper management

Mariner Finance - Virginia Beach, VA

Assistant Branch Manager (December 2011 - July 2014)

•Close and audit approximately 30-40 personal loans per month

•Solicit loans and insurance products for customers

•Collect accounts 30-150 days past due, including car repossessions

•In charge of all legal actions on accounts including Warrant in Debts and Garnishments

•Represented company in all court hearings with Judge for judgments against delinquent customers

Amerigroup - Virginia Beach, VA

Document Audit Manager - Collateral Materials Approval Process (July 2009 - December 2011)

•Ensured all documents are reviewed and approved by Regulatory, Legal and Office of Business Ethics before publication

•Receives approximately 15-25 document submissions per day from 15 copywriters for Mail, Fax, Phone, Radio and Website Communications

•Manages CMAP SharePoint site and tracks in-process and final documents, approvals and other relevant materials, playing a critical role in company compliance activities

•Conducts training meetings for CMAP submitters and reviewers

HSBC/Household Finance/Beneficial - Hampton Roads, VA (1998-2009, branches closed, laid off)

Compliance Officer/Recruiting & Sales Support (April 2006 - April 2009)

•Processed and verified loan documents and Federal & State regulated documents for accuracy and compliance for up to 30 loans closed per week

•Completed branch audit responsibilities to ensure adherence to policies and procedures

•Assisted in the Recruitment and hiring for Account Executive positions, reviewed resumes, sent applications, contacted candidates and scheduled phone interviews using Recruitmax

•Recipient of numerous customer service awards

•Successfully market ancillary and financial products

Quality Assurance Control Specialist (September 2003 - April 2006, HSBC cont)

•Conducted audits in 19 branch offices throughout Virginia and Kentucky using Branch Visit Tracking System internal computer software

•Monitored branch audit responsibilities including the Daily Audit Report (DAR), Account Detail Report (ADR), Record Account Detail (RAD), Virginia Check Stub Maintenance and application retention for privacy and Home Mortgage Disclosure Act (HMDA).

•Trained Managers on company policy and compliance resources including the Branch Sales Manager Uniform Operations Manual

•Conducted investigations of theft, fraud and Human Resources issues

•Intervened in customer complaint and resolution processes for the division

Branch Sales Manager/Senior Account Executive (May 1998 - September 2003, HSBC cont)

•Provided strategic planning and vision for branch lending operations

•Monitored and evaluated branch sales results, productivity levels and profit opportunities, utilizing the Branch Profitability Report (BPR) and Key Performance Report (KPM)

•Trained and developed sales staff to ensure effective solicitation, marketing and business development to achieve office sales goals

•Directed selection and recruitment of sales staff by reviewing resumes, conducted in person interviews, made employment offers and set up new hire candidate drug tests

•Held underwriting approval, processed and closed loans

Education

University of Delaware, Bachelor of Science, Business Administration

Area of Concentration: Management and Marketing

Old Dominion University, Human Resource Management Class

Life and Health Insurance License

NMLS: 1420803, License No: MLO-28228VA

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