MELANIE E. REUMAN

** ******* ******, ***. *

Norwalk, CT 06855

Phone: 203-***-****

Email: adt2hx@r.postjobfree.com

OBJECTIVE To obtain a sales or management position in the financial sector

EXPERIENCE

M&T Bank, Bridgeport, CT 2014–present

Formerly People’s United Bank Underwriter, Assistant Vice President

Responsible for underwriting residential, loans for M&T Bank, a multi-state community bank with over 155 billion in assets

Decision loans in compliance with Freddie Mac, Fannie Mae, PMI and portfolio guidelines

Review credit, income, tax returns, appraisal, flood, data verify, fraud reports

Adept in State guideline requirements, Consumer, Correspondent, Wholesale and Sonyma loans

Review complex loans with Sr. Management and provide Proposals for counteroffer

Provide problem solving and guidance throughout the underwriting process

Participate in advanced training through Mortgage insurance modules and Allregs

Review post-closing suspense items for loans to be purchased by investor

People’s United Bank, Bridgeport, CT 2013-2014

Quality Control Underwriter

Maintained compliance w/ internal, regulatory, and secondary market guidelines; Audited files and manage QC pipeline report; review and clear conditions

QC loans according to Freddie Mac, Fannie Mae, FHA, Allregs, and investor guidelines: Reviewed DU findings, analyzed appraisal credit reports and income tax returns to ensure compliance

Reviewed Underwriter income analysis and create memo of findings; Audited repurchase loans and implemented resolution for repurchase

Created tiers of scoring for the audits and implemented tools to ensure compliance

Execu-Search Group, New York, NY 2012-2013

Residential Lending Processor

Responsible for processing residential loans for People’s United Bank, the largest independent bank in New England with over 28 Billion in assets

Managed mortgage pipeline for two underwriters; reviewed and cleared conditions; submitted loans to Sr. Management

Provided DU findings; reviewed appraisal and credit reports; analyzed income tax returns; completed income analysis worksheet

Communicated w/ Secondary Pricing regarding rate lock pricing and extensions; completed CIC and redisclosure

Created alliances with branch management; provided status reports to Sr. Management

The Washington Trust Company Glastonbury, CT 2012-2012

Sr. Mortgage Loan Officer

Responsible for originating residential loans for The Washington Trust Company, the oldest community bank in the US based in Westerly RI with over 3.1 Billion in assets

Promoted the brand name of the bank to various referral networks for expansion to the Fairfield County, CT market

Marketed Portfolio and construction loans; originate Super Jumbo and Agency Jumbo programs Provided Realtor presentations for Open House functions; attended Chamber of Commerce networking events

Created business alliances with Financial consultants and Realtors

Production volume: $1.5MM/month

Darien Rowayton Bank Darien, CT 2010-2012

Senior Loan Agent

Responsible for originating residential and commercial loans for the Darien Rowayton Bank, a local community bank established in 2006 with over 200 Million in assets

Developed and strengthened relationships with Real Estate Agents, Financial Consultants, Accountants and Attorneys; marketed products to networking groups, chamber events, Board of Realtor functions

Brokered TPO loans; marketed portfolio programs to HNW customers; cross sold consumer bank products; delivered personalized service to maximize client satisfaction

Implemented state of the art technology; and marketing tools to attract new clients and build high referral network

Bank of America Home Loans Bath, ME 2001–2010

MLO

Responsible for originating BOA residential mortgage programs and cross selling branch consumer products to diverse portfolio of clients and business owners

Built strong relationships with branch management and external vendors to increase production and growth; worked with bank associates to maximize cross selling opportunities and customer retention rate

Conducted first time homebuyer seminars; implemented direct mail technique; Production volume: closed $1MM/month

Barnum’s Gifts and More, LLC Newcastle, ME 2005–2009

Owner and Manager

Responsible for the creation and design of Barnum’s Gifts and More, a gift store selling Maine made products and services

Purchased and sold various gift items including: antiques, books, art work, jewelry, cards, flowers, candles, Xmas trees, holiday décor, and firewood

Developed and maintained online website and database to market existing clients

Managed ten employees, trained workforce in sales and marketing, handling inventory and pricing of merchandise

Worked with Teleflora and FTD in selling and managing a floral line

Threshold Mortgage Company Westport, CT 1993-1997

Sr. Account Executive

Responsible for the origination and sales of residential mortgage products for mortgage broker boutique firm

Developed and maintained a strong network of Realtors, Financial Consultants, Attorneys, and Accountants

Targeted the New Canaan market and provided broker presentations and Open House seminars; developed database of HNW clients and financial consultants

Implemented and executed new product campaigns; managed customer expectation from origination to closing

Production volume: closed $1MM/ month

Aetna Life & Casualty and Co., Inc. Stratford, CT 1990-1993

Sr. Commercial Property Underwriter

Responsible for the underwriting of commercial property, general liability, crime, inland marine accounts for the Aetna

Analyzed accounts for insurance coverage and renewal coverage; Reviewed property and loss control reports; rated and priced insurance policies; worked with Senior management to review pricing of larger accounts

Explained commercial property lines to agents; accompanied marketing team on sales calls

Attended Aetna training seminars and the Aetna Skills School

The Dime Savings Bank Wilton, CT 1988-1989

Mortgage Underwriter

Responsible for the underwriting of residential mortgage loans for the Dime Savings Bank of New York

Reviewed and analyzed borrower’s income tax returns, credit reports, appraisal and title reports for full documentation and no documentation loans.

Proficient in Fannie Mae and Freddie Mac guidelines; examined bank policies and procedures and met critical deadlines

Merrill Lynch & Co., Inc. Stamford, CT 1986-1988

Sales Assistant

Managed up to seventy home equity loans for Merrill Lynch employees; evaluated credit, appraisal and title reports; calculated debt to income and loan to value ratios; verified employment

E.F. Hutton & Co. 1985-1986

Sales Assistant

Researched stocks and performed administrative functions for six stock brokers

EDUCATION

Columbia University New York, NY

BA in Visual Arts, 2001

GPA 3.24

Fordham University New York, NY

Courses taken toward M.B.A. program, 2001

University of Massachusetts Amherst, MA

BA in Economics, 1985

CERTIFICATIONS AND LICENSES

NMLS #225441 (National Mortgage Licensing System)

PROFESSIONAL ASSOCIATIONS

Columbia University Alumni Association, FNEW, New Canaan and Greenwich Chamber of Commerce

SYSTEMS/SOFTWARE

MS Office Suite, ACT, LoanQuest, Morevision, Calyx Point, Lender Office, Visual Mortgage, Encompass, Empower

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