Melissa Foster
@melissafoster
Detail-oriented loan assistant with extensive public service experience.
What I'm looking for
I am a highly diligent and personable individual with extensive experience working with the public, particularly in the loan processing and legal sectors. My career has been marked by a strong attention to detail and the ability to thrive in fast-paced environments. I have honed my skills in managing complex loan applications, ensuring compliance, and providing exceptional service to clients.
Currently, I serve as a Loan Assistant at USDA Rural Development, where I process and service various loans and grants for the entire State of Tennessee. My role involves evaluating grant applications, preparing documentation for financial assistance, and maintaining organized records of construction projects. I take pride in my ability to communicate effectively with stakeholders and ensure that all processes run smoothly.
Throughout my career, I have held various positions, including Wholesale Loan Closer and Executive Assistant/Paralegal, which have equipped me with a diverse skill set. I am passionate about leveraging my expertise to contribute positively to my team and help clients achieve their financial goals.
Experience
Work history, roles, and key accomplishments
GS 1165-09 Loan Assistant
USDA Rural Development
Mar 2024 - Present (1 year 2 months)
Served as a technical expert in processing and servicing various loans and grants for the State of Tennessee, including Water and Waste, Community Facility, and Guaranteed Community Facility programs. Evaluated grant applications, prepared financial assistance documentation, and processed Office of General Counsel requests. Managed and documented construction projects, reviewed pay packages, and d
GS 1101-07 Loan Technician
USDA Rural Development
Mar 2023 - Present (2 years 2 months)
Served as a technical expert in processing and servicing Water and Waste loans and grants, Community Facility loans and grants, and Guaranteed Community Facility Loans for the State of Tennessee. Evaluated grant applications, prepared documentation for financial assistance awards, and processed Office of General Counsel requests. Created and filed UCC 1 financing statements, reviewed title binders
Wholesale Loan Closer
Citizens Bank
May 2020 - Present (5 years)
Facilitated the loan closing process through daily contact with brokers, account executives, and title companies. Managed a pipeline of over 100 files monthly, including conventional, FHA, and VA loans. Reviewed documents for accuracy, prepared final closing documents, and ensured all conditions precedent were met prior to closing or funding.
Wholesale Closing Coordinator
Citizens Bank
May 2017 - Present (8 years)
Coordinated the wholesale loan closing process, maintaining daily contact with brokers, account executives, and title companies. Reviewed documentation issues with all parties and requested necessary corrections. Provided backup support to the funding department and took on team lead responsibilities, including training new employees.
Executive Assistant/Paralegal
Legal Aid Society of Louisville
Jun 2016 - Present (8 years 11 months)
Provided direct support to the Executive Director and general administrative support to the legal team and staff. Assisted attorneys in preparing and submitting yearly grant proposals to designated agencies. Supervised and managed the daily activities of support staff, handled phone coverage, and resolved building maintenance issues.
Paralegal – VLP & Family Law
Legal Aid Society of Louisville
Jun 2015 - Present (9 years 11 months)
Screened the public daily for acceptance of legal services and conducted self-help clinics for clients to prepare legal documents for divorce under attorney direction. Managed case files for attorneys from initiation through completion or denial. Met with clients to collect necessary documents and entered case files into the system.
Sr. Paralegal – Bankruptcy
Stayton Law Office
May 2011 - Present (14 years)
Maintained all client files, including extensive storage and retrieval of documents, ensuring organized and accessible records. Communicated daily with clients to follow up on requested documents and provide case status updates. Prepared all client files for court proceedings and performed subsequent court follow-up with clients.
Paralegal – Bankruptcy
O’Bryan Law Offices
Aug 2008 - Present (16 years 9 months)
Reviewed initial retaining packages with clients and processed payment receipts, ensuring accurate financial records. Collected and reviewed all income documentation from clients required for case filing. Entered client case information into the software system for attorney review and attended 341 meetings with attorneys, performing court follow-up as needed.
Loan Processor
Fifth Third Bank
Aug 2006 - Present (18 years 9 months)
Managed a pipeline of over 100 loans per month, ensuring efficient progression of loan applications. Collected all necessary documents from clients to facilitate loan processing and maintained daily contact with clients, vendors, and loan officers. Utilized automated underwriting systems for loan approvals and reviewed appraisals and title binders for accuracy.
Loan Processor
Bank of America
Jun 2005 - Present (19 years 11 months)
Managed a pipeline of over 50 loans per month, ensuring timely and accurate processing. Collected all required documents from clients to advance loan applications. Maintained daily communication with clients, vendors, and loan officers to facilitate the loan process, and ordered and reviewed appraisals and title binders for accuracy.
Education
Degrees, certifications, and relevant coursework
University of Louisville
General Studies, General Studies
Pursued general studies coursework.
Middle Tennessee State University
General Studies, General Studies
Undertook general studies.
Sullivan University
Paralegal Studies, Paralegal Studies
Completed a program in Paralegal Studies.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
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