Eduarda Melo Email & Phone Number

Fall River, MA, US

North Attleboro, Massachusetts

• Monitor the production of initial disclosures, change in circumstances for loan estimates and closing disclosures, initial closing disclosures and closing packages. Managing, developing and training six colleagues in.
• Collaborate with processing, underwriting, loan officers, loan officer assistants, sales facilitators and attorney to meet target goals for the department while providing expectational customer service.
• Providing daily funding reports and worked closely with Accounting and Loan Servicing departments to ensure the reconciliation of wires for the each loan. Assisted post-closing and secondary with any suspense items.

Swansea, Massachusetts

• Provide final run down of all documents in the file to ensure quality control prior to closing. Verifying underwriter’s loan conditions are satisfied according to State specific guidelines and collateral documents are.
• Working with investors to clear all suspense items that may appear on a loan within the grace period provided. Brought equity line down to a five million dollar draw within ninety days.
• Providing support to loan officers and underwriters by ensure the timely, judicious and accurate processing of mortgages. Analyzing financial statements, tax returns and credit documentation for accuracy and compliance.

Warwick, Rhode Island

• Enabled more availability of closing packages and closed mortgages / loans in more regions of country by training colleagues on mortgage products. Prepared mortgage-closing packages for mortgage products, including.
• Reduced error rate to 97.6 from post-closing through bank regulation compliance by reviewing HUDs and informing closing agents of necessary corrections.
• Achieved timely authorization disbursements of wires to closing agents by sending money 1 day prior to closing, which had a positive impact on purchases.

Swansea, Massachusetts

• Revamped and designed in-store seasonal floor displays.
• Generated repeat business by closely tending to customer needs and developing personable relationships.

Fairhaven, MA

• Managed and engaged 5 sales associates, reflecting on and achieving daily sales plans.
• Adjusted store visuals and refurbished sales floor with new, seasoned merchandise, introducing / attracting customers towards new items and trends.
• Achieved customer satisfaction and regular clientele by selecting attire for customers as a personal shopper.

Fall River, Massachusetts

• Worked with attorneys, preparing and reviewing closing mortgage documents to ensure legal compliance.
• Created monthly mortgage and commercial real estate sales report to include related attorney fees, presenting information to senior management to facilitate management decisions.
• Conducted extensive market research, creating informative promotional packets that reached select clientele.

Fall River, Massachusetts

• Compiled loan payoff figures for inquiring external companies and attorneys, enabling customers to obtain payoff amounts and attorneys to correct HUD values for closings.
• Provided Collections Department with monthly delinquency reports, allowing department to contact and update customers regarding account activity and payoff amounts.
• Performed yearly escrow analysis on escrow accounts, covering shortage by adjusting monthly payments or returning overage back to customers.

Fall River, Massachusetts

• Reconciled daily drawer with consistency.
• Sold bank products to customers at bank counter, satisfying banking needs.

Bachelor'S Degree, Operations Management And Supervision

Associate Of Science - As, Business Administration And Management, General

Master Of Technology - Mtech