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File Clerk Mortgage Underwriting

Parma, OH, 44129
March 19, 2023

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**** ******* **.

Parma, OH *****

Melanie A. Patton c 216-***-****

Objective: To obtain a challenging and rewarding position within the bank, which will allow me to apply my experience and further develop my analytical skills and knowledge within Key.

Prior Work Experience:

J.P. Morgan Chase

Underwriter II:12/2016 – Present

Residential mortgage underwriting

Keycorp, Brooklyn, Ohio

Senior Commercial Underwriter: 08/05-Present

Analyze CORE Financial criteria including financial statements, tax returns, industry research and trend analysis to determine repayment ability.

Underwrite commercial term loans, mortgages, lines of credit, letters of credit and SBA loans based on Bank credit standards and communicate decision to sales force. Decision specialized lending with non profit organization (churches, agriculture, homeowners association, unions, etc)

Evaluate applicant's credit needs, financial strength and other background information to determine if request for credit is an acceptable risk.

Assess industry risk, quality of management, market position and overall business climate to estimate future profitability of business.

Interpret cash flow, balance sheet, income statements, and tax returns (both personal and business) to determine credit worthiness.

Use credit data and financial statements to determine the degree of risk involved in extending credit or lending money.

06/01/2000-2005 Small Business Express Center

Junior Underwriter – evaluate credit, review requests less than 50,000

Started training on financials

5/11/99-2000 Small Business Express Center -- Loan Specialist

Underwrite Small Business Express loans, according to scores and credit policy

Input small business loans, using dedicated credit software

Perform Business name searches

Prepare Loan Documents

Extension Customer Contact through Express “Help Line”

Train Employees on Loan input & system awareness

Archive loan process

Keycorp, Brooklyn, Ohio

5/11/98-05/11/99 Small Business Service Center - File Clerk

Performed duties as file clerk for entire Small Business Department, including “traditional underwriting” and “express center” filings

Input small business loans, for “traditional underwriting team”, using dedicated credit software

Performed UCC searches using Lexis Nexis

Continually worked to organize and refine Small Business filing process

10/15/97-05/10/98 Kelly’s Temps - File Clerk

12/01/92-09/11/96 Ponderosa Steak House

In store Trainer


2000 Tri C English class

1996 Tri-C Math classes & medical terminology

1991-1995Midpark High School - Diploma

Systems Experience:

Experience with all Small Business Systems including:

Credit Desk

SB2 – Credit Decision Software

Lexis Nexis




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