Data Entry Loan Officer
Resume:
MELANIE EAGLE BLANTON
Zebulon, NC 27597 Email: melanieblanton
****@*****.***
PROFILE
Highly skilled and accomplished banking professional with expertise in loan applications, loan processing, underwriting, closing and funding, working in collaboration with internal customers to address the needs of external customers.
COMPETENCIES
• Team Collaboration • Data Accuracy & Integrity
• Branch Support • Data Collection & Analysis
• Process Improvements • Risk Analysis & Mitigation
• Regulatory Compliance • Financial/Credit Reviews
• Change Management • Continuous Quality Improvement WORK EXPERIENCE
NORTH STATE BANK, Raleigh, NC 3/15 – 8/11/23
LOAN PROCESSOR/ASSISTANT LOAN OFFICER
• Performed multiple loan-related duties.
• Processed applications, reviewed credit report and financial data, ordered appraisals and finance inspections, verified income, debt to equity ratios, ensured data accuracy and integrity, and performed data entry of new accounts and system update of loan status and subsequent reports.
• Processed jumbo loans, ran LP and DU submission to Underwriters and ran/sent disclosures to borrowers.
• Served as a primary customer liaison.
• Worked in collaboration with multiple stakeholders involved in the loan process.
• Worked in a deadline-driven environment.
• Ensured compliance with all regulatory mandates. ADECCO STAFFING, Branch Banking, Wilson, NC 11/14 – 3/15 CONTRACT EMPLOYEE, Commercial Bankcard Services
• Processed new loan applications and performed non-monetary maintenance on existing accounts.
• Provided support to multiple branches to facilitate loan application and processing.
• Ensured the timely completion of all bankcard client requests.
• Prepared status reports for senior management.
WELLS FARGO HOME MORTGAGE, Raleigh, NC 2009 – 2013 MEDIATION UNDERWRITER III 2011 – 2013
• Underwrote modifications for bank, private, Freddie Mac, and Fannie Mae loans including large, unusual, and/or complex customer requests/products.
• Reviewed financial statements, credit reports, debt ratios, loan-to-value ratios, and other critical data. MELANIE EAGLE BLANTON Page 2
Resumé (Continued)
WORK EXPERIENCE (Continued)
MEDIATION UNDERWRITER III (Continued)
• Created reports, performed fraud detection measures, and conducted ongoing compliance audits to ensure adherence to internal and external regulations.
• Aided with loan renegotiations, reached out to customers and partners for necessary information, and explained rationale behind credit decisions.
• Ranked within the top 2 producers every month.
• Achieved highest possible level of delegation authority (C) for Freddie Mac and Fannie Mae loans and became B delegated in bank and private loans.
• Functioned as a Team Lead/SME due to thorough industry knowledge and proven managerial skills.
• Assisted colleagues with earning required delegations and underwriting FHA modifications.
• Streamlined and re-engineered workflows and processes.
• Served as a catalyst for positive change and new ideas.
• Identified and capitalized on opportunities to achieve continuous quality improvements.
• Established collaborative working partnerships with all relevant stakeholders, and built consensus and support for shared goals.
OCC REVIEW-UNDERWRITER II 2011
• Closely analyzed loan documentation for completeness and accuracy encompassing financial statements, credit reports, and financial ratios.
• Utilized automated scoring systems, as well as traditional underwriting strategies.
• Contracted involved parties for information required to make loan and credit determinations. LOSS MITIGATION/HOME PRESERVATION UNDERWRITER 2009 – 2011
• Evaluated various documents including credit reports and calculated income to process modifications, MODSFs, and Step Rate MODs.
• Employed NPV, Imminent Default and Workout calculators.
• Initially hired as a Loan Underwriter on a contract basis.
• Progressed to permanent role in less than one year. COASTAL FEDERAL CREDIT UNION, Raleigh, NC 2000 – 2008 LOAN OFFICER/UNDERWRITER
• Processed, underwrote, closed, and funded second mortgage loans with $100K approval authority.
• Ordered appraisals and title searches/updates.
• Reviewed loan documentation to determine risk and aided in approval/denial decisions.
• Completed complex subordination agreements.
• Consistently outperformed colleagues as #1 or #2 revenue producer. CERTIFICATIONS/TRAINING
Basic Loan Processing & Underwriting; FHA/VA Underwriting & FHA/VA Processing; Microsoft Word, Excel and Works; Consultative Selling; Customer Services
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