Chad Miller Email & Phone Number

Virginia Beach, Virginia, United States

* Serve as the liaison between STM Loan Officers and the Contracting team.* Provide training to all staff for the PA program.* Monitor PA queue to ensure all loans are being reviewed to meet service level expectations.* Assist with process, guideline, and LOS questions applicable to specific loan file.* Order Verifications of Employment/Income.

Virginia Beach, Virginia, United States

* Liaison between STM staff members and the Priority Approval Reviewers* Intermittent Quality Control of Priority Approval loan files* Monitor the programs utilization by Loan Officer and Branch* Work alongside Priority Approval Manager to develop training agendas* Identify training opportunities to educate teams* Assist in issuing Priority Approval letters* Collaborate with Management team on developing proposed changes and workflows that impact and involve the PA program

Support role assisting on the front end of the mortgage loan process by:* Ordering Appraisals (Conventional/FHA/VA)* Requesting Verification of Employments* Ordering Credit Supplements* Requesting Title and Insurance Binders* Ordering Tax transcripts

* Generate Adverse Action Notices and review for compliance and accuracy * Assist with underwriting decisions in certain limited circumstances * Stay current on all compliance requirements and upcoming changes and maintain proficient knowledge of the rules and regulations pertaining to ECOA * Assist with HMDA data validation and targeted reviews to ensure HMDA reporting accuracy

*Served the Bank by going above and beyond the scope of responsibilities by being a Subject Matter Expert on Risk and Compliance. Embraced the role as a Risk Leader ensuring the branch stayed in compliance with banking procedures. *Built relationships with customers through proactive outreach, asking questions and learning about their financial needs to serve them.*Facilitated team huddles and discussed a variety of banking topics to ensure procedural understanding.Key Achievment: Built a strong foundational background on Risk and utilized that experience to dissiminate information and implement program improvements.

Chesapeake, Va

*Served the Credit Union by building long-term relationships with Members.*Identifying and discussing the financial needs of Members and making suitable recommendations to accomplish their goals.*Loan origination including home equity products, auto loans, and credit cards.Key Achievement: Generated between $120-150k in loan volume per month.

Business Administration

Criminal Justice/Law Enforcement Administration