Melinda Lemen, President

Melinda is a 24 year banking veteran with a proven track record in managing commercial & commercial real estate loan documentation, commercial and residential construction loan administration, SBA, loan accounting and collateral administration departments in financial institutions.  Melinda has demonstrated expertise in all aspects of loan fulfillment, leadership and Lean Process design.  Six Sigma and Greenbelt certified, Melinda has designed end to end processes which focus on building a “management by fact” culture and eliminating non value added activities to optimize efficiency in organizations.

Throughout her 24 year career @ Bank of America; Melinda had responsibility for the company’s Construction Administration Departments, including the 2005-2006 national consolidated construction operation for portfolios originated in all 26 affiliated states.

Melinda has expertise in leading and managing across multiple site locations, supporting large client bases through subordinate managers, developing strategies around enhancement of client and business opportunities, as well as building and maintaining relationships with business partners, market sales teams and internal/external vendors.

Debra Randle, Vice President

Debbie has had active roles in banking for over 23 years.  She has served in various positions in the Dealer Finance, Special Assets, Construction and Commercial Loan Administrative/Servicing areas.  Recognized as a systems, technology and administrative expert, she has been heavily involved in the design of systems to track and monitor loan pipelines, performance goals, production results and other data supporting process initiatives.  Debbie has supported Six Sigma/Lean project initiatives through the collection, reporting, design and analysis of statistical data used in Six Sigma Greenbelt initiatives. 

Debbie is viewed as an extremely resourceful individual who, with 23 years of banking experience, can tackle any project.  Privately, Debbie owns and manages real estate investment property and has extensive knowledge of municipal tax, real estate, and code issues.

Rae Jean Zaricor, Senior Construction Consultant

Rae Jean has been a Senior Construction Administrator for Bank of America’s national Construction Administration Team for over 15 years.  Rae Jean’s expertise and skills include the documentation and monitoring of commercial and residential construction projects, land acquisition and development, builder lines of credit, SBA 504 and commercial and residential renovation loans.

Throughout her 15 year career @ Bank of America, Rae Jean acted in a lead (senior level) role in the company’s centralized Construction Administration Department, which included a 20 person staff of construction loan closers and administrators with responsibility for all national construction loans originated throughout 26 affiliated banks.

Rae Jean is often asked to provide assistance in recommending workout situations on problem construction credits, as well as identifying and explaining risk and mitigating factors on projects to lenders, attorneys, clients and other parties.  She is viewed as an “expert” in the field of construction loan administration.