Anthony Troncozo
Renton,WA
Summary
High-performing leader and operations manager with a proven track record of delivering successful improvements for business operations, profitability, and team development. Extensive experience in mortgage loan servicing, loss mitigation, construction loan servicing, secondary market purchases, investor relationships, and all other areas of real estate loan servicing. Demonstrating a forward-thinking approach, takes ownership and initiative to drive results. Exceptional work ethic and a strong desire to exceed company expectations. Consistently goes above and beyond. Known for ability to build productive working relationships. Thrives in fast-paced, deadline-driven environments while effectively managing goals and fostering team development.
Overview
18
18
years of professional experience
Work History
Manager of Mortgage Servicing and Secondary Market
Salal Credit Union
01.2020 - Current
- Approved and sold loans on the secondary market to FNMA (Fannie Mae) and other applicable investors
- Approved loans for purchase through Third Party Loan Originators and other investors.
- Publish Third Party Originator lock rates and approve locks as requested.
- Ensured loans for purchase had complete due diligence review including appraisal review, loan file delivery review and funding audit.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- 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 releases and additional mortgage servicing task as necessary.
- Overall Escrow Management including escrow analysis, property Insurance, property tax monitoring, Loss Draft processing and Mortgage Insurance management. Managed borrower escalations for proper review and compliance.
- Evaluated employee progress and compliance while identifying areas for additional coaching by monitoring daily performance.
- Cultivated strong professional relationships with 3rd Party Originators. Provided oversight and due diligence to efficiently purchase mortgage loans on the Secondary Market.
AVP: Construction & Renovation Servicing Manager
Homestreet Bank
09.2016 - 01.2020
- Management of construction projects via progress inspection and project funding based on overall completion.
- 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 for 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: Third Party Oversight
Chase Home Lending
06.2015 - 08.2016
- Risk Analyst 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 personnel
- 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.
Senior Mortgage Loan Officer - Foreclosure Dept
Chase Home Lending
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
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
09.2007 - 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.
Manager of Home Equity Foreclosure and Bankruptcy
Chase Home Lending
11.2006 - 08.2007
- Managed Portfolio Home Equity Foreclosure and Bankruptcy loans as assigned to 3rd party legal firms
- Controlled Charge off and recovery efforts
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Maintained professional, organized, and safe environment for employees and patrons.
- Cross-trained existing employees to maximize team agility and performance.
- Controlled costs to keep business operating within budget and increase profits.
- Managed and motivated employees to be productive and engaged in work.
- Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
Education
Bachelor of Science - Business Management/Human Services
University of Phoenix
San Diego, CA08.2006
Skills
- Implementation of Policies
- Operations Management Across Multiple Units
- Cost Management
- Employee Development
- Experience with Loan Management Systems
- Workflow Improvement Methods
- Continuous Improvement Strategies
- Document Management
- Customer Relationship Building
- Effective Team Leadership
- Operations Strategy Development
- Performance Evaluation
- Documentation and reporting
- Change management
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: Third Party Oversight
Chase Home Lending
06.2015 - 08.2016
Senior Mortgage Loan Officer - Foreclosure Dept
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
09.2007 - 12.2011
Manager of Home Equity Foreclosure and Bankruptcy
Chase Home Lending
11.2006 - 08.2007
Bachelor of Science - Business Management/Human Services
University of Phoenix
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