File Clerk J P

***** ******* **

Brookpark OH *****

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

Objective: To obtain a challenging and rewarding position which will allow me to apply my

experience and further develop my analytical skills and knowledge within the mortgage

industry.

Prior Work Experience:

2022 till current taking care of mom

J.P. Morgan Chase: Underwriter II:12/2016 – P

05/23

Residential mortgage underwriting including but not limited to all residential (secondary & portfolio), VA and FHA

review.

Keycorp, Brooklyn, Ohio (5/11/98-12/2016)

Senior Commercial Underwriter: 08/05-12/2016

● 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

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

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

1991-1995 Midpark High School - Diploma

Systems Experience:

Credit Desk, SB2 – Credit Decision Software, Lexis Nexis. Hogan, ALS, CL3, MPX underwriting

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