Melissa Redd Email & Phone Number

Responsible for management and oversight of the Loan Operations Department. Provides leadership for all loan operations servicing and processing procedures, policies, processes, and employees.

• directly supervised nine (9) Relationship Managers, eight (8) Member Service Representatives and the operations of five (5) branches• supervised portfolio management of loan volume exceeding $425,000,000. Oversight included servicing, structuring and adherence to policies and procedures in order to guaranty asset quality• assisted in facilitating Association business model transition and/or staff role changes• communicated Association, Board, and Corporate directive • voiced communication on behalf of approximately thirty (30) staff members • trained staff in various roles and responsibilities

Waynesboro, Georgia

• managed and led six (6) staff members and the daily operations of two (2) branches• oversaw and serviced loan volume totaling approximately $81,500,000 which includes servicing, structuring and adherence to policies and procedures in order to guaranty asset quality• coordinated marketing and public relations items and events• planned and adhered to budgetary items• served as lead loan officer for over ten (10) counties which requires oversight of business development, loan analysis, and processing of legal documents

• resolved nonearning assets through restructure, negotiation, litigation • supervised account assignments, servicing and resolution of nonearning accounts in 11 offices• served as liaison to credit, support, appraisal staff in assigned territory and corporate office• coordinated and facilitated relationships with third-party participants: legal, appraisal i.e.• serviced non-specific branch ecommerce and other Farm Credit association loan inquires

Waynesboro, Georgia

• interviewed applicants and gathered, analyzed and reconciled financial information for credit determination• executed loan and loan related legal documents• serviced existing loan portfolio• marketed organization: pursued new business prospects, researched products/needs for existing customers• participated with branch operational duties: budget, marketing, advertising, policies/ procedures• served on the Compliance Team

Waynesboro, Georgia

• conducted internal audit functions• performed loan performance reviews• managed accounts payable and multi-account budget• completed financial reports for board of directors• directed monthly loan officer meetings• reconciled pre-paid and deferred general ledger accounts• assisted security officer: manage physical security, counterfeit money• accumulated information regarding compliance, regulation and requirements• coordinated implementation of on-line banking