1. MELANIE EAGLE BLANTON sammy1h2001@yahoo.com ■ 919-269-8332
309 Perry Rd. ■ Zebulon, NC 27597
MORTGAGE UNDERWRITER / LOAN OFFICER
Highly resourceful and detail-oriented professional with 15+ years’ experience in loan underwriting, processing,
closing, and funding. Demonstrated strengths in meticulously reviewing complex loan documentation, accurately
determining risk, and communicating effectively with customers. Valued member of special project teams with proven
leadership, training, and problem solving abilities. Top performer with exceptional organizational skills, stellar work ethic,
and enthusiasm for exceeding goals. Ordering and reviewing Title Searches and Appraisals.
Expertise includes:
Customer Relations & Education ■ Financial Data/Document Analysis ■ Quality Control ■ Risk Assessment
Automated & Manual Underwriting ■ Filing/Recordkeeping ■ Regulatory Compliance ■ Report Generation, Freddie Mac
Loan Processor and Fannie Mae Desktop Underwriting.
Computer Skills: MS Word, Excel & Outlook, 10 Key, 70 WPM
PROFESSIONAL EXPERIENCE
Adecco Staffing – Branch Banking – Contract
Commercial Bankcard Services 11-24-2014-Present
Sort and distribute incoming mail in a timely, efficient, and quality manner while maintaining the mailroom in a neat and
organized manner and provide support to Internal Bankcard & Merchant Services areas regarding mail distribution.
Sort, prep, scan, index, and verify all documents received in Bankcard Operations for processing. Research and clear
exceptions within the image workflow process.
Maintain and compile daily statistics.
Process new applications and perform non-monetary maintenance where required/requested on existing accounts. This
process includes but is not limited to; documentation review, data entry of new accounts and non-monetary maintenance,
queue maintenance, verification, and audit.
Provide quality customer service to branches and related departments using established communication guidelines and
forms. Communicate with all functions of the Bankcard Operations Production unit, internal areas, and Banking Network
to ensure timely, accurate, and efficient processing of all requests received.
Participate and assist with cross training within the department. Maintain written procedures for work processes. Assist
with training new employees. Develop and maintain a working knowledge of all areas of Bankcard Operations Production
area.
Interpret operating procedures applying to recurring problems and recommend changes as appropriate. Assist with
implementation of new processes and procedures within the department. Assist with problems proving to be more
complex.
Wells Fargo Home Mortgage – Raleigh, NC 2009 to 2013
Mediation Underwriter III (2011 to 2013)
Underwrote modifications for bank, private, Freddie Mac, and Fannie Mae loans including large, unusual, and/or complex
customer requests/products. Reviewed financial statements, credit reports, debt ratios, loan-to-value ratios, and other
critical data. Created reports, performed fraud detection measures, and conducted ongoing compliance audits to ensure
adherence to internal and external regulations. Aided with loan renegotiations, reached out to customers and partners for
necessary information, and explained rationale behind credit decisions.
 Ranked within top 2 producers every month.
 Achieved highest-possible level of delegation authority (C) for Freddie Mac and Fannie Mae loans and became B
delegated in bank and private loans.
 Functioned as Team Lead/SME due to thorough industry knowledge and proven managerial skills; assisted
colleagues with earning required delegations and underwriting FHA modifications.
OCC Review – Underwriter II (2011)
Closely analyzed loan documentation for completeness and accuracy encompassing financial statements, credit reports,
and financial ratios. Utilized automated scoring systems as well as traditional underwriting strategies to assess request

2. acceptability. Contacted involved parties for information required to make loan and credit determinations and discussed
outcomes with customers.
Loss Mitigation/Home Preservation Underwriter (2009 to 2011)
Evaluated various documents including credit reports and calculated income to process modifications, MODSFs, and Step
Rate MODs. Employed NPV, Imminent Default, and Workout calculators.
 Initially hired as Loan Underwriter on contract basis; progressed to permanent role in less than one year as result of
exceptional work ethic and performance.
Coastal Federal Credit Union – Raleigh, NC 2000 to 2008
Loan Officer/Underwriter
Processed, underwrote, closed, and funded second mortgage loans with $100K approval authority. Ordered appraisals
and title searches/updates. Reviewed loan documentation to determine risk and aid in approval/denial decisions.
Completed complex subordination agreements.
 Consistently outperformed colleagues as #1 or #2 revenue producer.
Prior Roles: Loan Officer/Underwriter, The Money Store, Raleigh, NC; Loan Processor, UC Lending Corp., Raleigh,
NC; Telecommunications Representative, Butler Communications, Raleigh, NC; AP/AR Associate, Stone Heavy
Vehicle, Gamer, NC; Data Entry Operator, SC Data, Inc., Raleigh, NC; Mortgage Loan Processor, GE Mortgage
Management Services, Raleigh, NC
CERTIFICATIONS / TRAINING
Basic Loan Processing & Underwriting ■ FHA/VA Underwriting & FHA/VA Processing
MS Word, Excel & Works ■ Consultative Selling ■ Customer Service