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
Education:
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
Hogan
ALS
CL3