1. Merrell Fleming
Sacramento, CA
(916) 476-9884
Merrell.fleming@att.net
Professional
Profile
Seasoned professional with 31 years of solid and progressive experience in a wide variety of
businesses. Exceptional research and analysis abilities; along with interpersonal relations,
process documentation, and customer service skills.
 Superior business acumen and poise in high pressure, fast paced environments.
 Utilizes project management principles to independently plan and direct high-level business
affairs.
 Highly skilled in collaborating with others to increase achievements that impact individual
effectiveness, team goals and organizational growth.
 Facilitating multi-functional team-building exercises; improving efficiency of team meetings,
active involvement of all team members and outstanding team results.
 Powerful written and verbal communicator, with the wisdom to foster open relationships
while maintaining confidentiality.
 Total Quality approach, with an inherent systemic thought process and proactive mindset;
focused on creative strategies to resolve issues and automate workflow.
 Innate ability to streamline processes, enhancing productivity levels and introducing
process improvements.
 Proven aptitude and self-motivation to quickly master processes and software.
 Efficient time management and multitasking, able to successfully prioritize special projects
within daily routine.
 Excellent service provider to both internal and external customers; exhibiting empathetic
understanding, knowledgeable confidence, and willingness to satisfy their needs.
 Knowledge of GAAP and financial reporting, balance sheet, A/R, A/P and payroll.
 Business (1120, 1120S & 1065) and personal Tax Returns (1040 & 1040EZ), Schedule C
business, amortization schedules, depreciation schedules, carryovers, carryforwards,
carrybacks, deferrals, cash and accrual balance sheets, K-1s and 1099s.
 Intermediate to Expert skill level in MS Office Suite and various proprietary software.
Professional
Accomplishments
Banking (California Bank & Trust, Sacramento, CA / 2002-2014):
Started as temporary, hired permanent and promoted 4 times. Loan Servicer IV, Loan
Servicer V, 1502 Specialist, Loan Processor and Loan Servicing Officer.
 95% approval rate on Administrative Actions and Problem Loan Reports for a large
portfolio of CRE and SBA loans.
 Spreading business and personal financials in Moody's, Buker's Tax Analysis and Excel for
business and global analysis based on complicated loan covenants.
 Calculate EBITDA and debt coverage ratios to identify emerging risk.
 Thorough knowledge of applicable government SOPs and underwriting policy guidelines;
used to determine and possibly mitigate risk factors.
 Discussing action plans with borrowers to improve DCR by increasing sales and
decreasing expenses.
 Collecting and reviewing necessary documentation to make critical loan decisions.
 Reduced bank liability risks through audit of loan files and documents; following up to
correct deficiencies, ensuring regulation, policy and program compliance.
 Reconciliation of third party loan transcripts and clearing exceptions. Reduced monthly
exception report from 23 pages down to 1-2 pages.
 Maintained detailed and organized documentation related to research and analysis of
extensive data; utilized information to develop and present complex reports.
 Created simple interest loan transcripts based on specific loan terms in Excel.
Demonstrating interest calculation and principal portion of payments, for borrowers to
understand loan activity that varied from original amortization schedules.

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Professional
Accomplishments
(continued)
Insurance Admin (Vision Service Plan, Rancho Cordova, CA / 1999-2002):
Started as temporary, hired permanent and promoted twice.
 Provider recruitment cold calling to fill gaps in member communities.
 Tracking, monitoring and reporting status of multiple projects.
 Software administration, system security, generating reports and troubleshooting.
 Integration of UPS system with internal network and inventory software, to streamline
shipping process.
 Implemented customized internet based order entry software program.
Office Furniture Dealership (UCF, Sacramento, CA / 1997-1999):
 Supervised 5 Account Coordinators; hiring, training and reviewing.
 Developed work process measures, goals, action plans, results and reports.
 Work process documentation, reference tools, and process implementations.
 Improved customer relations by 75% with creation, distribution, review and follow-up of
Customer Satisfaction surveys.
Dental Company (1996-1997):
 Dispatched 11 Service Technicians to dental offices in No. CA and NV.
 80% of emergency repair requests completed within 24 hours, due to successful
distribution of Technicians and parts inventory.
Product Mfg & Distribution (Procter &Gamble, Sacramento, CA / 1987-1995)
Promoted 4 times.
 Managed inventory replenishment in customer warehouses; improving service level to
stores 15-25%, while decreasing inventory levels 25-40%.
 Improved customer’s business results through negotiation of performance and
communication expectations between product supply network, transportation providers and
customer contacts.
 Negotiated transfer of product from one customer's warehouse to another customer;
avoiding insufficient inventory for advertised store promotion due to trucking accident.
 Regional Training Coordinator responsible for new hire and ongoing CSR training.
Insurance Accounting (American General Life Ins. Co., Sacto, CA / 1983-1987)
Started as temporary, hired permanent and promoted 4 times.
 Data entry of premium payments, cashier and preparation of deposits.
 G/L, A/R, A/P reconciliations and reporting.
 Processed payroll for approximately 400 hourly and exempt employees.
 Customer Service calls and correspondence, including policy changes.
 Variable Annuity investment performance tracking and disbursements.
Education  NAGGL SBA Loan Servicing and Liquidations Training
 Total Quality Management and Quality Process Improvement
 Interpersonal Communication, Active Listening and Conflict Resolution Skills
 Train the Trainers, Diversity Training and Team Development
 Sacramento City College, Sacramento, CA – Dec 1992, 20 college units
 American River College, Sacramento, CA – January 1981, 9 college units
 Norte Del Rio High School, Sacramento, CA – June 1980, HS Diploma
References Available upon request.