Melisa Miller

Office Manager/Bookkeeper

Phoenix, Arizona, United States

+1-623-***-****

adxbib@r.postjobfree.com

WORK EXPERIENCE

February 2021-October 2022

Office Manager/Bookkeeper

Integrity Industrial Services

Phoenix, Arizona, United States

This was mine and my husband's business. I worked there the last year and sold it recently as my husband passed away. He ran it fully prior and I worked part time helping with the books. Until his passing then I worked full time until recently sold.

October 2020-February 2021

Home Mortgage Processor

Wells Fargo

United States

Communicating and assisting customer through loan process. Requesting payoffs and updated mortgage clause on home owners insurance. Working with vendors, underwriters, loan officers and mortgage staff. Credit policy knowledge and experience reviewing financial statements. December 2016-October 2020

Loan Processor

Discover

United States

Processing loans and communicating with customers on needed documents and status. Requesting payoffs and updating HOI. Getting to closing and completion. Loan Processor II

USAA federal Savings bank

May 2016 to December 2016

Funding of vehicles, boats, RV and personal loans. Provided quick turnaround times to maintain fastpast schedule. Maintained compliance with privacy and security requirements, as well as federal statutes covering vehicle loans. Checked packages for appropriate documentation. Evaluated approvals against established bank and government lending standards. Upheld complete confidentiality of all submitted information according to release guidelines. Worked with customers in person and via telephone to answer questions, process transactions and resolve issues. Reviewed financial statements and contacted institutions and customers to clarify details April 2014-May 2016

PTO Specialist Loan Document Specialist

Wells Fargo

United States

Taking over processor pipelines when on PTO, sick or as needed with work flow. Obtaining relationship with borrowers. Meeting or Exceeding customer service goals. Special projects. Keeping updated with all quality and passing. Coaching and mentoring of team members. Problem solving on slow moving applications Assigning pipeline work. Safe Certified. Maintained excellent attendance record, consistently arriving to work on time. March 2013-April 2014

Home Equity Specialist II

Wells Fargo

United States

End of Draw team. Calling out on application to seek commitment to loans. Meeting or Exceeding sales goals. Meeting Customer service surveys. Responsible to pass monthly call monitors Explaining and selling loan products and some lines of credit Underwriter Wells Fargo Home Equity Credit Team. Resolved conflicts and negotiated mutually beneficial agreements between parties. Drove operational improvements which resulted in savings and improved profit margins. April 2011-February 2013

Underwriter

Wells Fargo

United States

Following G2 credit policy. Worked AG / lending authority for 1st and 2nd mortgage. Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process. Determined and documented loan conditions and communicated requirements and decisions. Analyzed credit, income, compliance, title documents and appraisals and reviewed underwriting process. Reviewed applications for insurance coverage and reports from loss control specialists to determine risks. Verified data integrity and accuracy. Responded to customer requests via telephone and email and effectively answered questions and inquiries. Copied, logged and scanned supporting documentation and placed all information in client files. Verified client information by analyzing existing evidence on file. Assisted loan officers and processors to complete loan applications on time. Checked titles,

• Excellent Customer Service ● Information Verification

• Legal Compliance ● Financial Document Review

• Processing procedures ● Outstanding communication with team members and cu

• Detail oriented Professional ● Exceptional at coaching and mentoring coworkers SKILLS

Closing Home Mortgage Loans Mortgage Underwriting Credit Scores Lending Processing Loans Home Equity Processor Financial Statements Data Integrity Loan Processor Bookkeeper Reviewing Financial Statements Clarify Information Verification G2 Customer Service Oriented Customer Service Office Manager Coaching Mentoring Documentation Work Flow PTO Problem Solving Pipeline Retail Sales Detail Oriented Outstanding Communication Sales Goals HONORS & AWARDS

Processing procedures ● Outstanding communication with team members and cu LANGUAGES

English - Intermediate

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