Misty Scully
Thomasville
Summary
Specialist in mortgage underwriting and consumer lending operations, with a strong focus on compliance and risk assessment. Proficient in analyzing financial documents to evaluate creditworthiness, while keeping abreast of industry regulations and trends. Adept at streamlining processes and resolving discrepancies to enhance lending operations.
Overview
24
24
years of professional experience
Work History
Loan Fulfillment Mortgage Underwriter III, Regions
Regions Bank
Remote
01.2026 - Current
- Reviews FHA, Jumbo, Fannie, Freddie, Portfolio and various bond products.
- Analyzes borrower financial documents to assess creditworthiness and risk.
- Analyzes financial documents, including tax returns, bank statements, pay stubs, and credit reports to assess borrower's repayment capability and mitigate risk.
- Collaborates with loan officers to clarify documentation and underwriting requirements, ensuring compliance and accuracy in loan processing.
- Evaluates loan applications for compliance with bank policies and regulations.
- Utilizes underwriting software to streamline loan processing and decision-making.
- Determines whether or not to approve or deny a loan application in accordance with company guidelines.
- Issues clear written conditions for approval of mortgage loans.
- Resolves document mistakes and discrepancies while identifying signs of fraudulent activity, enhancing overall loan security.
Consumer Loan Manager
Credit Union of Georgia
Kennesaw
10.2025 - 12.2025
- Led, trained, coached, and evaluated consumer lending team, fostering a skilled and motivated workforce to achieve departmental goals.
- Directed consumer lending operations, ensuring compliance with lending guidelines and procedures to enhance operational integrity.
- Underwrote direct and indirect consumer loans within authority, making approval, decline, or counteroffer decisions aligned with policies, profitability, and compliance Teal.
- Refined loan policies, underwriting procedures, and lending processes, contributing to the development of new product initiatives.
- Completed annual training to uphold compliance with laws including S.A.F.E. Act, Bank Secrecy Act, FCRA, RESPA, and TILA/Reg Z.
Loan Fulfillment Mortgage Underwriter III
Regions Bank
08.2020 - 10.2025
- Reviewed FHA, Jumbo, Fannie, Freddie, Portfolio and various bond products.
- Evaluated loan applications for compliance with bank policies and regulations.
- Collaborated with loan officers to clarify documentation and underwriting requirements, ensuring compliance and accuracy in loan processing.
- Utilized underwriting software to streamline loan processing and decision-making.
- Issued detailed written conditions for mortgage loan approval, facilitating clear communication of requirements to borrowers and loan officers.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
- Analyzed financial documents, including tax returns, bank statements, pay stubs, and credit reports, to assess borrowers' repayment capacity and mitigate risk.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Analyzed borrower financial documents to assess creditworthiness and risk.
Consumer Credit Manager
Ameris Bank
Moultrie
07.2007 - 08.2020
- Led a department of 19 coordinators/underwriters, ensuring effective operations and support.
- Monitored 600 consumer loan applications monthly from 100+ branches and provided training and troubleshooting for 500+ loan system users.
- Authorized loans up to $1,000,000 secured and $75,000 unsecured.
- Supported implementation of uOpen for online applications and DecisionPro for loan entry, enhancing processing efficiency.
- Assisted in the implementation of Prosign, signature pad, and eLynx, electronic signatures.
- Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act, Reg B and more.
- Moultrie, GA
Consumer Lender
North Georgia National Bank
Calhoun
02.2002 - 06.2007
- Prepared and finalized loan packages for approval, ensuring compliance with documentation requirements.
- Supported Bank President and Corporate Secretary in administrative functions.
- Coordinated with Corporate Secretary to compile and organize board reports and meeting materials.
- Assisted Marketing Department with various events.
- Calhoun, GA
Education
Graduate - Consumer Lending
Community Bankers Association
Graduate - Branch Manager and Consumer Lending
American Bankers Association
Leadership Graduate -
Calhoun, Lee and Thomas County GA
Esthetician And Business Technology Courses -
Southern Regional Technical College
Skills
- Regulatory compliance
- Loan processing
- Risk assessment
- Background in Consumer Lending
- Computer proficiency
- Problem-solving
- High level of accuracy
- Extremely organized
- Goal-oriented
- Self-sufficient
- Flexible
- Excellent work ethic
- Interpersonal skills
- Loan processing
Timeline
Loan Fulfillment Mortgage Underwriter III, Regions
Regions Bank
01.2026 - Current
Consumer Loan Manager
Credit Union of Georgia
10.2025 - 12.2025
Loan Fulfillment Mortgage Underwriter III
Regions Bank
08.2020 - 10.2025
Consumer Credit Manager
Ameris Bank
07.2007 - 08.2020
Consumer Lender
North Georgia National Bank
02.2002 - 06.2007
Graduate - Consumer Lending
Community Bankers Association
Graduate - Branch Manager and Consumer Lending
American Bankers Association
Leadership Graduate -
Calhoun, Lee and Thomas County GA
Esthetician And Business Technology Courses -
Southern Regional Technical College