1. MELISSA GRIMSLEY
C: 214-466-3197
mjg72.grimsley@yahoo.com
Summary
Diligent and driven mortgage professional with twenty years of experience
dedicated to the mortgage and title industry. Taking on a various roles and
responsiblities in all aspects of operations in both specialites helping me
to to become an effective communicator and team leader while expanding my
knowledge of the lending and title industries.
Areas of Expertise & Industry System Knowledge
• FHA VA USDA loan processing
• Purchase, Refinance Construction and HELOC,
• Manufactured Housing purchase and refinance
• Construction Loans /Relocation and HUD REO Loans
• Survey Review
• Curative of Title All schedules
• Closing document preparation and Settlement Statement Preparation
• Calyx Point
• Encompass
• Data Trac
• Blitz Docs Systems
• Ramquest
• Jet docs
Experience:
Guardian Mortgage Co Inc Plano Texas August 2014 - November 2014
Senior Processor
Primary role was that of a junior underwriter reviewing automated desktop
findings from FannieMae and Freddiemac insuring that all minimal conditions
to meet minimum approval guidelines were obtained and in the file prior to
sumbission to underwriting. Responsible for reviewing Titlework all schedules
and surveys insuring all schedules were clear of any judgements,liens and all
schedule B items matched existing survey. worked closely with the title
companies to acquire documentation to prepare documents for recording if
necessary to clear any issues.
Cobalt Mortgage Company - Plano, Texas April 2013-September 2013
Senior Processor/ Team Lead
Assisted senior-level credit officers with complex loans
Ordered appraisals and preliminary title reports payoffs, insurance
Complied with regulatory requirements including USA Patriot Act, Privacy Act,
OFAC, HMDA, maintaining company standards.
Analyzed financial information obtained from clients to determine strategies
for meeting clients' financial objectives maintaining confidentiality of
client information.
Staffing Service- Dallas, Texas February 2012- March 2013
Senior Processor
Calculated Income, and reviewed Investor guidelines to obtain an
overlay conditions needed prior to funding.
Adhereing to all federal and state compliance guidelines relative to
retail mortgage lending.

2. Reviewed and Cleared all Title Schedule C issues and insured all other
schedules were accurate.
Determined appropriate rate locks, issuance of disclosures, overage
and underage waivers and fee waivers.
Texas Lending.com Dallas, Texas January 2011- January 2012
Compliance & Closing Specialist
Complied with regulatory requirements including Bank Secrecy Act,
Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and
Community Reinvestment Act.
Prepared closing loan packages for all different loan types.
Reviewed Settlement and funded loans after review of final notarized
closing package was returned from title.
Maintained confidentiality of bank records and client information.
ViewPoint Bankers Mtg - Richardson, TX February 2009-Sept 2010
Compliance Specialist
Reviewed files post underwriting to determine that all government
disclosing procedures were correct.
Reviewed loan documents and added any additional conditions that would
be needed in order to insure the loans met investor guidelines.
Reviewed title schedules to condition for any release of liens and
insure proper vesting
Richmond Title Services Plano, Texas May 2007- February 2009
Escrow Assistant /Curative
Entered all new orders that came into the office daily.
Reviewed all reports for accuracy and obtained any and all
documentation needed to insure proper vesting prior to closing.
Worked with the mortgage lenders and borrowers to insure timely and
efficient closings.
During Second Shift acting Escrow officer.
FieldStone Mortgage Plano, Texas May 2003- April 2007
Senior Loan Processor
Analyzed applicants' financial statements, credit and property
evaluation to determine Stability of and borrowers willingness to
repay. Reviewed and aquired all necessary documents from automated
approvals from DU and LP goverment systems.
CENTEX GROUP Dallas, TX September 1998 - May 2003
Senior Loan Processor & Escrow Assistant
Worked closely with secondary to insure that any locked loans did not
expire prior to funding.
Also that any changes or extension needed were processed and the
borrower's were disclosed to properly.
Worked closely with borrowers to obtain all conditions needed in order
to clear loans for closing.
Commerce Title
Escrow Assistant_Closer_Curative

3. Cleared title curative issues ordered surveys prepared hud 1
statements and closed and funded loans as needed.
Calculated taxes for new construction purchases.
Conducted loan closings when needed and any other area of the office
that needed backup.