Melissa E Miles Email & Phone Number

Chesterfield, Missouri, United States

Greater St. Louis Area

Responsible for structuring/quoting product information, rates and terms that would best suit the client’s loan request. Experienced in Fannie Mae, Freddie Mac, FHA/VA/RD and retail home loans. Informed prospective loan clients of the financial institution’s underwriting guidelines and applicable government regulations. Personally interviewed loan applicants and conducted loan closings. Relied on extensive, self-taught knowledge of Housing and Community Programs loan and/or grant making requirements (encompasses all/any “community second” and/or “EAP/DPA” programs). Completed each loan application and oversaw all pre-processing functions in a timely manner to permit the good faith estimate and other required disclosures to be provided to applicants within the requested time period. Oversaw ordering of appraisals, credit reports, background checks, reference checks and other information as needed on residential loan applicants. Complied with lending regulations and bank’s underwriting guidelines and lending policies. Worked strenuously to achieve proficient file status that would reduce both suspense issues and secondary pull-through score-cards. Determined appropriate loan programs and product types for applicants. Proficient with loan products and pricing, i.e. rates/points.

Greater St. Louis Area

Provided operational support to all members o f the mortgage team as it applied to processing and pre-underwriting loans. Experienced in Fannie Mae, Freddie Mac, FHA/VA/RD and retail home loans. Reviewed applications and ensured necessary documentation had been obtained to meet various investor guidelines as well as reviewing all required disclosures so that the bank is in compliance. Worked as a liaison between customers, in-house underwriter, and production staff to carry file through to approval.

Greater St. Louis Area

Provided operational support to all members of the mortgage team as it applied to processing, closing, funding and servicing loans. Experienced in Fannie Mae, Freddie Mac, FHA/VA/RD and retail home loans. Reviewed applications and ensured necessary documentation had been obtained to submit for underwriting as well as verifying all compliance criteria had been met. Worked as a liaison between a variety of correspondent lenders and production staff to carry file through to approval. Coordinated closings, prepared settlement statements and closing documents and funded loans. Performed compliance review and prepared loan for internal booking and shipping to investor. Provided support for various servicing and modification/work-out requests. -I received numerous Quality Hero Awards while employed at Montgomery Bank, which was recognition for outstanding customer service where recipients are nominated by customers and peers. -I took on the responsibility of maintaining our final documentation/exception reports for all investors.-I was the system admin for our loan origination system, EasyLender, and was essential to the set up, maintenance and compliance assurance of the system, including 2010 RESPA set-up and audit. -I was hired on at Montgomery Bank as one of three people to completely restructure the department and was instrumental in creating the current policies and procedures that are adhered to today.

Greater St. Louis Area

Serviced and developed new and existing client relationships and provide assistance to sales team and business partners as needed. Provided quality service to guarantee customer satisfaction and retention. Recognized opportunities for referring clients to business partners to deepen relationship with the bank. Extensive knowledge of policies, procedures of bank products used to ensure audit compliancy and produce the highest level of customer service. Open savings, checking and certificate of deposit accounts and interrelated banking products. Process retail loans including CD secured installment, personal lines of credit, auto installment and home equity loans. Responsible for pulling and reviewing over ten daily reports including clearing all branch loan and account exceptions. -During my time in this position I have solely reduced both account and loan exception numbers by over 60%-Southwest Bank rolled out a newly developed incentive plan for employees in my position in Q$ of 2005. I was ranked #1, corporate-wide, out of over 200 service bankers.-Was requisitioned by Corporate, M&I Bank, to travel and train employees on new system and procedures due to buy-out.