Melvin M. Kelly, Sr.

3202 Melde Ct.

Jarrettsville, Md. 21084
Home Phone # 410-692-0668
Cell Phone # 410-375-2681
Work History
PNC Bank- March 2008 to January 2009
Documentation Specialist- Prepared documentation for loan closings using Laser-P
ro
Chesapeake Bank of Maryland- December 2004 to January 2008
Credit and Loan Review Analyst- December 2004 to December 2005
Reviewed the bank's loan portfolio consisting of Commercial, Residential and Con
sumer loans to ensure that the loans are in compliance with policies and procedu
res of the bank and the OTS. I also performed research for compliance with BSA a
nd HMDA, also including, analysis and review as well as did the write-ups for ne
w commercial loan requests using Baker Hill/Onepoint. Assisted in internal and e
xternal audits by gathering loans and materials needed and answer questions.
Compliance Assistant- December 2005 to present
Set-up Perk packages and gathered the material for the OTS exam. Gathered loans
and materials needed for internal and external audits and answered questions or
gave explanations. Using the loan portfolio, Performed analysis and research for
BSA and HMDA. Performed analysis and research on the loan portfolio for CIP and
Flood Hazard, to ensure proper compliance. Assisted in a computer conversion by
identifying the codes needed for input by other bank employees and setting up t
hose codes to function. Also, created, compiled and created monthly reports for
senior management and Board of Directors. In addition to set-up training schedul
es for the various training workshops attended by bank employees. Performed docu
mentation reviews on the loan portfolio to ensure compliance with policies and p
rocedures. Sat on the BSA and ALLL monthly committee meetings as a voting member
. I also as in charge of the bank policies and procedures book, notifying depart
ment heads of the policies needing updating and forwarding final copies to the B
oard of Directors.
New Windsor State Bank- 2002 to December 2004
Assistant Vice-President and Credit Analyst-
Performed the analysis, research and write-ups for new Commercial loan requests
and renewals using Baker Hill/Onepoint. Performed review of the loan portfolio t
o ensure that the proper financial information was being received from customers
as required by the Bank. I was a voting member on the Loan Committee. Assisted
in the internal and external audit process.
Harford Bank of Maryland- 2000 to 2002
Loan Review and Credit Analyst-
Performed the reviews of the entire loan portfolio to ensure to ensure complianc
e with the bank's policies and procedures. Analyzed new loan requests and made r
ecommendations. Sat on loan committee. Assisted in internal and external audits
(gathering loans and material and answering questions.
Commercial and Farmers Bank- 1995 to 2000
Loan Review and Credit Analyst-
Performed the reviews of the entire loan portfolio to ensure to ensure complianc
e with the bank's policies and procedures. Analyzed new loan requests and made r
ecommendations. Sat on loan committee. Assisted in internal and external audits
(gathering loans and material and answering questions.
Union Trust Company of Maryland 1979 to 1991
Documentation Unit Head
* Performed the reviews of the entire loan portfolio to ensure to ensure complia
nce with the bank's policies and procedures.
* Organized and managed a Loan Documentation area.
* Assisted in the Credit Department by performing analysis of loan requests.
* Assisted in internal and external audits (gathering loans and material and ans
wering questions.
* Authenticated the banks credit scoring system
Education:
Archbishop Curley High School- 1969 to 1973
Essex Community College- 1973 to 1975
American Institute of Banking- 1980 to 1983
Omega Training- 1998
Commercial Lending School- 1999
BSA School- 2007
Volunteer Organizations
Boy Scouts of America- 1995 to present
Positions held-
Cub Master, Committee Chair, Assistant Scout Master, Unit Commissioner, Trainer,
District Member at large, Eagle Advancement Committee
St. John the Baptist Roman Catholic Church- 1991 to present
Positions held-
Parish Council Delegate at Large, Religious Education Teacher, Facilitator for C
onfirmation program.