Melissa Torres

Melissa Torres, CRC has over 20 years of experience in the banking industry. Melissa currently holds the position of Vice President-Loan Operations at Oak Bank since June 2021. Prior to this, they served as Vice President - Credit Risk Management at State Bank of Cross Plains from November 2012 to May 2021.

Melissa's previous roles include Loan Review Specialist at FDIC from August 2010 to November 2012, Loan Review Officer at Park Bank - Madison from February 2010 to August 2010, Credit Supervisor from January 2006 to February 2010, and Credit Analyst from November 2004 to January 2006. Melissa also worked as a Commercial Documentation Specialist at Park Bank - Madison from April 2002 to November 2003 and as a Documentation Review - Paid Loan Specialist at M&I Support Services Corporation from January 2002 to April 2002.

Melissa'searly experience includes working as a Post Closing Specialist at M&I Marshall & Ilsley Bank - Comml Credit Center from April 2000 to April 2002. Overall, Melissa's experience encompasses various roles in loan operations, credit risk management, loan review, and documentation review.

Melissa Torres, CRC, obtained a Bachelor of Science degree in Human Ecology from the University of Wisconsin-Madison in the years 1998 to 2002. Prior to that, they attended Northern Illinois University from 1996 to 1998, where they studied Accounting. Recently, in 2017, they earned the RMA Credit Risk Certification from the Risk Management Association. Melissa also holds a Certificate of Loan Review from BAI, although the specific details of when and where they obtained it are not provided. Currently, Melissa is pursuing further education at the Graduate School of Banking at the University of Wisconsin-Madison, anticipated to be completed in 2023.