1. Melissa L. Skinner
PROFILE:
Meticulous, self-driven mortgage professional with proven success in residential mortgage loan originating.
Melissa is an expert at helping customers achieve their financing needs while simultaneously increasing a
company’s origination goals. Even in this fast paced industry she has superior communication skills and will
provide customers with the highest level of service in all interactions. As a true professional, she will always
comply with proper credit administration practices and is someone who is willing to be the primary point of
contact between a customer and her company throughout the entire loan process.
CAREER TRACK
RETAIL MORTGAGE LOAN OFFICER
First Priority Financial June 2001-January 2008
Vacaville, California
Broden Mortgage and William Gregory Mortgage July 1999 - June 2001
Santa Monica, California
Scope of Responsibility:
 Evaluated an applicant’s needs and eligibility for various loan programs while maintaining extensive
knowledge of various lenders’ guidelines and procedures.
 Effectively negotiated loan terms, conditions and pricing with customers, underwriter and pricing desk
 Maintained high levels of customer service while managing the expectations of applicant
and support staff
 Resolved problems effectively and efficiently with dissatisfied customers
 Built up a quality network of business relationships for referral sources
 Involved in marketing campaigns to attract new mortgage loan applications
 Implemented systems based on the “By Referral Only” method taught by Joe Stumpf to “create referral
opportunities” throughout and after the loan process so that my business became a referral based
business
512.574.1172 cell
melissaLskinner@gmail.com
Customer Service Driven – Internal and External
Integrity * Achieves Sales Goals* Problem Solver
Extensive Years of Experience in Lending Industry
Adapts to Change Easily

2. RESIDENTIAL WHOLESALE MORTGAGE ACCOUNT EXECUTIVE 1991-1999
Barclays 1st Nationwide Temple Inland Bomac
ITT Sebring Capital Option One Assurance/First Bank
Scope of Responsibility:
 Increased production with existing accounts and developed new accounts within assigned territory
 Conducted One-Day trainings throughout the US for Mortgage Brokers and Bankers educating them on
new product releases and/or guideline changes as well as furthering client relations
 Involved in the analysis and pricing of both flow and bulk loans from correspondent lenders
 Exceptional knowledge of loan programs, standard underwriting guidelines and compliance issues
 Proficient with loan production software, email, Word and Excel
 Strong interpersonal and problem solving skills
 Ability to assist in resolving customer issues on a loan by loan basis
 Committed to continually building strong relationships with both my team as well as external customer
EDUCATION:
Stephens College - Columbia, Missouri
1988-1989
University of Texas – Austin, Journalism Major
1989-1993
PERSONAL INTERESTS
* Hill Country Christian School of Austin – PTF Events Chairperson, Homeroom Mom 2013 – Present
* Anthony Robbins – Leadership Training Academy, Trainer at Various Events, Marketing Team
* Women of Faith – Sacramento Group Leader for Annual Conference – 2 years
* By Referral Only/Joe Stumpf – Real Estate and Mortgage Lending Coaching Club Member 2000-2008
REFERENCES
Available on request.