Melissa Kerick Email & Phone Number

Carson City, Nv, Us

Carson City, Nevada, United States

Reno, Nevada, United States

Reno, Nevada, United States

Cincinnati Oh

I enjoy helping families realize one of their most important dreams - financing their new home. With over 25 years in the home financing industry, I have the experience and knowledge to handle all aspects of the home lending process. As your Citizens loan officer, I dedicate myself to providing exceptional service and to making the loan process as simple and as seamless as possible. Whether you are a first-time homebuyer or a seasoned homeowner, I will walk you through the mortgage process and answer whatever questions you might have, big or small. I truly enjoy helping customers learn about the loan process and consider it a privilege to assist in handling one of the biggest purchases you might ever make. I am honest, hard-working and will do whatever it takes to keep your loan moving forward to closing.Citizens offers a variety of loan programs to suit just about everyone's need. It's never too early to explore your options, so contact me today. I look forward to serving you!

Providence, Ri

• Increased Sales $4.4M by sending regular correspondence to sphere of influence• Improved pass rate to 95% by streamlining loan process before submitting to quality control• Procure future referrals by promoting engaging client relationships from pre-approval to closing• Maintain compliance with Real Estate Settlement Procedure Act (RESPA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Lending, Secure and Fair Enforcement for Mortgage Licensing (SAFE), Gramm-Leach-Bliley Act (GLBA), and the Patriot Act• Analyze supporting loan documents, including---but not limited to---complex tax returns and financial statements, ensuring underwriting guidelines are met

Hackettstown, Nj

• Trained and led team of three employees, increasing sales 300% to $600k• Managed attorney's court appearances to ensure no overlapping• Initiated change management process in analyzing workflow processes to eliminate overlapping duties• Drove business by monitoring Key Performance Indicators (KPI)• Wrote Standard Operating Procedures (SOP) to assist in training and reference • Decreased turnaround response time by 40% for real estate contracts, bankruptcy confirmations, and negotiations through carefully cultivated professional relationships• Investigated desktop support inquiries, provided software installation, and diagnosed server issues• Collaborated with IT vendor as necessary to ensure minimal down time • Customized, tested, and supported BK Express Software to integrate with Time Matters• Managed personnel issues including payroll, disciplinary action and performance appraisals

Flemington, Nj / Augusta, Nj

• Founded Business Networking International (BNI) Group, creating a sphere of influence, resulting in over 50 referrals• Analyze supporting loan documents, including complex tax returns and financial statements

Certificate, Paralegal Studies

Bsba, Business Administration