Melissa L. Phillips Email and Phone Number

=== FINANCIAL SERVICES & UNDERWRITING SPECIALIST ===An accomplished, high-achieving professional with more than 15 years of experience in the finance industry, I have demonstrated expertise in financial underwriting, credit analysis, loan review, and origination, and consider myself a highly capable professional with the ability to analyze and understand income streams of multifaceted borrowing entities.Leveraging expertise to comply with credit guidelines, federal banking regulations, and market standards in review of complex personal and business financials. I am well-versed in calculating income and assets, evaluating credit reports, and analyzing tax returns and financial statements to mitigate risk and make sound credit decisions. My broad background includes accounting and finance, business administration, and bookkeeping experience, as well as experience in financial recordkeeping, AP/AR, reconciling statements, and preparing tax forms. Possessing the ability and technology to assist clients and organizations via telecommuting and remote environments, I excel at planning and prioritizing work activities to achieve desired results within the necessary timeframe. Successful in working independently or in fast-paced, team-driven environments requiring strong analytical, critical thinking, communication, and interpersonal skills, I always welcome the opportunity to connect with colleagues and friends and can be contacted at mlphillips0368@gmail.com. === LEADERSHIP STRENGTHS ===✔ Financial Operations Management✔ Credit Analysis & Processing✔ Loan File Review ✔ Income Analysis✔ Staff Leadership & Development✔ Credit Report Analysis✔ Risk Management✔ Loan Quality & Conformity✔ Lending Standards & Guidelines✔ Training & Mentoring ✔ Process Improvements ✔ Business Analysis ✔Team Building & Motivation✔ Customer Service