Anthony Troncozo
Renton,WA
Summary
High-performing leader and operations manager with multiple years of experience delivering successful improvements to business operations, profitability and team development. Resourceful project manager and compliance specialist with ability to thrive in fast-paced and changing environments, while sustaining operational accuracy and delivering results for optimal profitability.
Overview
18
18
years of professional experience
Work History
Manager of Mortgage Servicing and Secondary Market
Salal Credit Union
Seattle, WA
01.2020 - Current
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions
- Managed department escrow impound accounts, payment of escrow and non-escrow property taxes, property insurance, flood insurance and PMI payments.
- Conducted annual and off-cycle escrow analysis
- Managed vendor processes for Force placement insurance
- Articulated growth objectives and operating plans
- Set and reinforced consistent and compliant control and operational policies for accounts tracking, reconciliation and reporting
- Oversight of compliance and audit requirements in order to timely complete mortgage purchases from 3rd party loan originators
- Supervision of funded loan transfers and delivery of FNMA compliant loans for investor based sales
- Provided efficient supervision of portfolio and investor loans to properly service according to FNMA guidelines
- Managed a servicing supervisor and team to efficiently process mortgage loans from time of funding to the time of payoff
- Processes include file audits, escrow analysis, property tax payments, payoff reviews, lien reconveyance and additional mortgage servicing task as necessary
- Managed borrower escalations for proper review and compliance.
- Trained and mentored new team members to promote productivity, accuracy and friendly customer service.
- Drove customer escalations to resolution by engaging directly with clients.
- Assessed monthly reports to review client activity and identify opportunities.
- Directed and motivated staff by reviewing work and providing constructive feedback.
- Interfaced with third-party companies to resolve concerns and request additional data.
- Facilitated learning opportunities to advance team's customer service and technical skills.
- Developed relationships with stakeholders to maximize performance resulting in customer satisfaction.
- Revised department schedules to maximize coverage during peak hours.
AVP: Construction & Renovation Servicing Manager
Homestreet Bank
Seattle, WA
09.2016 - 01.2020
- Management of construction projects via progress inspection and project funding based on overall completion
- Management of Construction Draw process for Construction to Permanent and Renovation loans per FNMA and/or FHA guidelines
- Developed long-term partnerships with lucrative business customers by promptly addressing areas of concern
- Ensured Federal, State and Regulatory standards are upheld with focus on CFPB, FNMA and FHA guidelines
- Mentored and coached staff members by giving positive feedback and constructive criticism
- Provided onsite training
- Proactively identified and solved complex problems impacting operations management and business direction
- Trained newly hired employees by explaining job responsibilities and overseeing task prioritization
- Generated procedures in order to reduce risk and implement appropriate controls
- Completed file audits in order to adhere to compliance guidelines and investor requirements
- Responded to escalations in order to ensure overall satisfaction of both internal and external customers
- Delivered exemplary customer service and support by remaining poised in most stressful situations.
AVP: Risk Analyst
Chase Home Lending Dallas
Fort Worth, TX
06.2015 - 08.2016
- Responsible for testing of line of business controls and procedure development
- Review of legal files from mortgage banking an collections litigation law firms retained to handle foreclosure, bankruptcy, eviction, and collections referrals
- Ensured compliance with the OCC consent order, internal bank requirements and federal/state laws
- Built effective interpersonal relationships with business partners, management, direct reports and law firm personel
- Develop reporting and presentations in order to represent trends and concerns with the law firm performance
- Created and managed scorecards for underwriting and predictability models
- Supervised distribution of collections reports to Senior Management to support effective decision making
- Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies
- Managed and executed risk management projects to determine deficiencies and appropriate corrective actions.
- Reported findings on risk exposures to senior executives and board of directors.
- Reviewed portfolios, identifying risk factors and determined methods to alleviate delinquencies.
- Created and managed scorecards for underwriting and predictability models.
- Performed complex legal research to prepare for cases or arbitration.
- Provided legal advice, opinions and solutions regarding issues and risks on various transactional and regulatory matters.
- Negotiated resolutions of cases with defense attorneys and judges.
Foreclosure Manager
US Bank Home Mortgage
Irvine, CA
07.2014 - 11.2014
- Manager of 30+ Foreclosure specialist to properly review default files and notice of default filings.
- Managed and monitored Foreclosure 1st legal filings according the state, federal and investor requirements.
- Ensured all default timeline expectations were met in order to reduce cost and overall risk
- Coordinated with 3rd party foreclosure legal counsel to ensure all mortgage loans were in compliance.
Senior Mortgage Manager/Foreclosure Operations
Chase Home Lending
San Diego, CA
06.2012 - 03.2014
- Monitored and targeted bids to ensure analyst, vendors and/or attorneys are following state and investor guidelines
- Developed and maintained operational strategies and procedures
- Managed staff that produced and approved foreclosure bidding instructions for multiple loan types (Government,
- Conventional, Private, Bank Owned etc)
- Approved sales bids within the loss recognition approval application
- Managed scheduled sale volumes, 3rd party outbid data and bid accuracy levels
- Detailed knowledge of mortgage servicing systems including MSP, LPS, VLS and Vendorscape
- Trained newly hired employees by explaining job responsibilities and overseeing task prioritization
- Performed daily maintenance of loan applicant database
- Cross-trained new employees by explaining rules, procedures and job responsibilities
- Documented inspection information and compiled data into reports for dissemination to management.
Mortgage Loan Officer - Manager Process Control
Chase Home Lending
Dallas, TX
01.2010 - 06.2012
- Analyzed data integrity and illogical reporting
- Managed a supervisor team and their respective direct reports
- Reviewed denial letter reporting and determined if issued within Service Level Agreement
- Managed closing process for loan modification and underwriting
- Supervised an analyst team to decision investor loans for postponement or proceed to foreclosure sale
- Researched loss mitigation fee disputes pertaining to Article VII government consent order and OCC regulation
- Cross-trained new employees by explaining rules, procedures and job responsibilities.
Internal Audit Manager
Chase Home Lending
Dallas, TX
01.2007 - 12.2011
- Responsible for compliance and risk control within all areas of mortgage default
- Independently audited risk and controls within various lines of business for proper compliance
- Managed and coordinated transactional and control audits for multiple areas fo default including: loss mitigation, bankruptcy, foreclosure, recovery, collections, claims, independent foreclosure review, pre foreclosure, breach, equity analysis, valuations and homeowner preservation operations
- Held discussions with senior management of each department to discuss audit results and the necessary action plans to remedy any identified findings
- Managed local and remote specialist to ensure all deadlines were satisfied and published appropriately
- Calibrated off shore default audit processes.
Home Equity Bankruptcy and Foreclosure Manager
Chase Home Lending
Dallas, TX
01.2006 - 07.2008
- Implemented appropriate controls to mitigate risks from bankruptcy actions.
- Trained team members in Fair Debt Collection Practices Act and Bankruptcy Code for optimal compliance.
- Liaised between bank and outside parties such as agencies, attorneys and trustees to handle bankruptcy matters.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Created and updated financial reports on frequent basis to present information to leadership teams.
- Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
Education
Bachelor of Science - Business Management/Human Services
University of Phoenix
08.2006
Skills
- Escrow Impound Account Management
- Vendor Management
- Policies and procedures implementation
- PMI evaluations
- Performance reporting
- Multi-unit operations management
- Cost reduction and containment
- Staff training and development
- Process improvement strategies
- Team Building/Leadership
- Process improvement
- Document control
- Client relationships
- Team leadership
- Business and Operations Management
- Process evaluations
- Document review
Timeline
Manager of Mortgage Servicing and Secondary Market
Salal Credit Union
01.2020 - Current
AVP: Construction & Renovation Servicing Manager
Homestreet Bank
09.2016 - 01.2020
AVP: Risk Analyst
Chase Home Lending Dallas
06.2015 - 08.2016
Foreclosure Manager
US Bank Home Mortgage
07.2014 - 11.2014
Senior Mortgage Manager/Foreclosure Operations
Chase Home Lending
06.2012 - 03.2014
Mortgage Loan Officer - Manager Process Control
Chase Home Lending
01.2010 - 06.2012
Internal Audit Manager
Chase Home Lending
01.2007 - 12.2011
Home Equity Bankruptcy and Foreclosure Manager
Chase Home Lending
01.2006 - 07.2008
Bachelor of Science - Business Management/Human Services
University of Phoenix
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