Melissa Rafferty

Melissa Rafferty Email and Phone Number

Sr Loan Processor @ Oxford Home Lending
Melissa Rafferty's Location
North Royalton, Ohio, United States, United States
Melissa Rafferty's Contact Details

Melissa Rafferty work email

Melissa Rafferty personal email

n/a

Melissa Rafferty phone numbers

About Melissa Rafferty

Melissa Rafferty is a Sr Loan Processor at Oxford Home Lending.

Melissa Rafferty's Current Company Details
Oxford Home Lending

Oxford Home Lending

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Sr Loan Processor
Melissa Rafferty Work Experience Details
  • Oxford Home Lending
    Senior Loan Processor
    Oxford Home Lending Aug 2024 - Present
    Beachwood, Ohio, United States
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  • Nfm Lending
    Mortgage Loan Processor
    Nfm Lending Jun 2023 - Oct 2024
    United States
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  • Cardinal Credit Union
    Mortgage Manager
    Cardinal Credit Union Sep 2022 - Jun 2023
    Mentor, Ohio, United States
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  • Nationwide Mortgage Bankers, Inc.
    Vice President Operations
    Nationwide Mortgage Bankers, Inc. Nov 2020 - Jun 2022
    Responsible for developing, implementing and maintaining training programs for new hires. Daily/Weekly monitoring of pipelines to ensure SLA's and KPI's are met. Reviewing loan submissions for file quality and training opportunities. Monthly and Quarterly goal setting for Operations Team. Managing a group of a minimum of 10 corporate and branch processors, conducting monthly 1:1's and performing quarterly performance evaluations. Instrumental in forming relationships across all departments in an effort to become a more unified, cohesive unit. Oversee the enhancement and development of processes and procedures. Responsible for monitoring and responding to questions from the Underwriter Scenario Desk. Exceptional knowledge of underwriting guidelines and mortgage procedures.
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  • Nationwide Mortgage Bankers, Inc.
    Sr. Loan Processor/Jr Underwriter
    Nationwide Mortgage Bankers, Inc. Nov 2020 - Feb 2021
    Brecksville, Ohio, United States
    Responsible for analyzing and verifying documents for loan applications. Evaluating financial risk and making final underwriting decisions based on eligibility and in adherence to company policy and agency guidelines. Reviewing and understanding/interpreting agency guidelines.
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  • Nvr, Inc.
    Licensed Loan Officer
    Nvr, Inc. Nov 2017 - Oct 2020
    Brecksville, Ohio, United States
    President's Club top 20 award winner in 2019. Responsible for developing and maintaining both client and internal relationships. Advised on appropriate mortgage loan options and financial products. Routinely recognized for outstanding customer service from initial application through closing. Exceptional knowledge of underwriting guidelines and mortgage procedures.
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  • Nvr, Inc.
    Sr Loan Processor
    Nvr, Inc. Feb 2016 - Dec 2017
    Brecksville, Ohio, United States
    Responsible for obtaining and examining all client documentation for construction loan process. Worked closely with Borrowers, Loan Officers, Underwriters, Builder and Title Company to facilitate loan application and processing to ensure on time closing for new home delivery. Requested all documentation from clients and reviewed all financials to verify accuracy, completeness and adherence to guidelines, compliance and company policy. Extremely proficient in meeting and exceeding crucial deadlines while maintaining a large pipeline.
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  • Nvr, Inc.
    Closing Supervisor
    Nvr, Inc. Sep 2014 - Feb 2016
    Brecksville, Ohio, United States
    Responsible for oversight of the Closing department team, supervising 3 - 5 employees daily. Instrumental in incorporation and adherence of new TRID Rules. Developed improvements in communication between Loan Officers, Processors and Closers to positively affect customer relations. Reviewed all files for accuracy and maintained closing timelines as indicated to customers for on time new construction home deliveries. Exceeded department shipping goal by 20%.
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  • Nvr, Inc.
    Compliance Specialist
    Nvr, Inc. Sep 2012 - Sep 2014
    Brecksville, Ohio, United States
    Responsible for branch adherence to ECOA disclosure requirements for new construction loans. Ensure all timing requirements are met and customer disclosures are performed accurately. Includes actions for incomplete applications, denials, withdrawals, counteroffers, and approvals. Specific focus on NVR's adverse action policy; generate and monitor Adverse Action reports daily. Implementation of new task management effort required to track loans that have been denied but no longer appear on Adverse Action Report. Manage pipelines to ensure accurate 60-day RESPA disclosures completed for all loan officers. Routine supervision and management of shared server with home building division, along with necessary RESPA disclosures due to material changes. Review pre-processing loan file checklists and follow-up on errors/omissions with loan officer teams.
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Frequently Asked Questions about Melissa Rafferty

What company does Melissa Rafferty work for?

Melissa Rafferty works for Oxford Home Lending

What is Melissa Rafferty's role at the current company?

Melissa Rafferty's current role is Sr Loan Processor.

What is Melissa Rafferty's email address?

Melissa Rafferty's email address is mr****@****ics.com

What is Melissa Rafferty's direct phone number?

Melissa Rafferty's direct phone number is (612) 777*****

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