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Melloine Fraley, Business Banking Officer - Frost Bank 


Preferred SBA Leander

Professional Experience

Frost:  Review attorney prepared loan document.  Work with the attorneys, RM’s, and ARMS to ensure that the loan documents are accurate and conform to all bank and regulatory policies.  Review all lien and entity information. Prepare and or review all oil and gas lien releases. Bank liaison with the RM’s and our credit card issuer for the Credit Card Risk Pool includes preparing the necessary documentation for those clients to be placed into the risk pool.


WNB:  Responsible for the review of all loan presentations regarding adherence to Bank Policy and all Federal Regulations.  Special projects as requested from time to time.  Complete required monthly and annual audits, which included non-conforming real estate loans and marketable securities.  Implemented more stringent adherence to Real Estate Regulations. Facilitated all ACH limits, including new requests, increases, and renewals. Correspond with other banks regarding bought and sold participations.

Professional Experience


Created the position of Convention Housing & Special Services Manager for all conventions at the Hotel, ranging from 14-4000 persons.  Responsibilities included facilitating the clients’ needs regarding arrangements for VIPS and staff. I advised clients and hotel personnel regarding contractual obligations—providing information and advice regarding any other needs the groups may have, including off-site programs and special events.  My primary goal was to accomplish a successful relationship with the convention client that would result in the booking of future conventions and overall client satisfaction.  


I was instrumental in creating budgeting and forecast tools for this 2100 room property: developed forecasts, market mix analysis, budgets, and final convention reports for the Hotel Marketing Department.   My department size increased over the years to include two coordinators and an assistant under my direct supervision.


Credit/Collateral Administrator. Instituted a credit and collateral department for this $150MM three-branch bank.  Arranged a manual exception review system prior to conversion to a collateral tracking system, "LQAS."  Converted 2000+ loans to the system. Supervised two loan clerks. Reviewed all loans originating from ten loan officers for the purpose of controlled funding, and prepared all loan documentation, and reviewed those loan packages that were attorney prepared. 

Assistant Manager of the SBA department.  Responsible for obtaining and processing all documentation on SBA loans.  Obtained the commitments for those SBA loans sold on the secondary market. 


Promoted to assistant to the Senior Vice President in charge of commercial lending for Sunwest Bank.  Responsibilities included handling all participations, many of which were large and complex credits for the Bank with its affiliates and other large money center banks.  Prepared reports for the Board of Directors meetings; and overall responsibility for the day-to-day business of this office. 


Credit Analyst and Assistant to the Senior Vice President in commercial lending.  Prepared financial statement analysis. Worked extensively with the F.D.I.C. in purchasing loans for this bank from several failed banks in the area.  This bank is now the site of Wells Fargo on Andrews Highway. 


Loan Assistant to Vice President in commercial lending.  Prepared financial statement analysis.

Primary Business Focus was Floor Planning Automobiles and Mobiles Homes for most of the major auto and mobile home dealers in Midland. 



  • Texas A&M @ Commerce - Business Finance

  • Continued education at Midland College and the University of New Mexico with additional classes in Economics and Business Law.

  • American Institute of Banking - Commercial and Installment Lending

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