Summary
Overview
Work History
Skills
Websites
Work Availability
Quote
Timeline
BusinessAnalyst
Brian J. Lazzara

Brian J. Lazzara

Residential & Consumer Lending Professional
Woburn,Massachusetts

Summary

Experienced and driven professional with a proven track record in Residential and Consumer lending compliance to meet all federal, state, and client regulations. Adept critical and innovative thinker that also possesses strong organizational skills to manage vast amounts of data with accuracy. Ready to collaborate with a team to achieve company goals.

Overview

14
14

Years of professional experience.

Work History

Regulatory Compliance Analyst

Clifton, Larson, Allen
Lexington, MA
11.2021 - 06.2023
  • Reviewed both Initial and Closing mortgage documents for compliance with State and Federal rules and regulations while taking into account Firm policies and procedures as well as client review preferences.
    • Conducted electronic correspondence reviews.
    • Provided and received feedback from Management as needed, assisted in preparation of materials for future trainees, and other related tasks as necessary and appropriate.
    • Exhibited strong, fundamental understanding of State and Federal Compliance rules relating to Mortgage Lending.
    • Completed and submitted Federal, State and Fair Lending Regulatory checklists for multiple clients and states after ensuring that applications, Federal, State, and other disclosures for accuracy and completeness with heavy focus on FHA, VA and multiple types of Conventional loans (Fixed-Rate, Adjustable-Rate Mortgages, P.M.I.).
    • Performed HMDA information auditing, Qualified Mortgage and Annual Percentage Rate testing through Brooks WebCalcs system.
    • Assisted with development of departmental procedures and guidelines. Regularly asked questions to ensure quality and accuracy.
  • Regularly made suggestions to Compliance Directors on possible ways to update Federal and State checklists.
    • Collaborated on a presentation for to explain to new hires and current family members, what exactly the Compliance Department is and what our function is as a Department.
    • Worked independently to assist in investigations of Closing Documents, data trending, change controls and other documentation.
    • Achieved high Internal customer satisfaction through effective communication of both technical and non-technical topics within all levels of the organization, both verbally and in writing.
    • Collaborated and shared knowledge with other Compliance team members while participating regularly in both Compliance team meetings and Mortgage Advisory teams through Microsoft Teams and in person.
  • Developed and implemented corrective action plans for non-compliance issues.
  • Developed risk assessment models to identify potential compliance risks.
  • Conducted periodic compliance audits and reviews to identify areas of improvement.
  • Evaluated and monitored supplier and partner relationships to support compliance.
  • Directed activities of workers searching records and provided technical guidance as necessary.
  • Created and maintained compliant work environment.
  • Identified gaps in existing compliance processes and recommended updates.
  • Collected detailed notes on investigations and other communication to adhere to legal requirements and enhance recordkeeping.
  • Kept informed regarding pending industry changes, trends or best practices.
  • Assessed fees related to registration of property-related documents.
  • Documented violations of infractions or penalties.
  • Maintained composure in stressful situations, confrontations, interviews and records searches.
  • Maintained up-to-date knowledge of applicable laws and regulations.
  • Assisted with development of compliance objectives and strategies.

Mortgage Quality Control Processor

Clifton, Larson, Allen
Lexington, MA
11.2021 - 07.2022
  • Reviewed steps and conducted follow up review of financial and employment documents along with other investigative verifications
  • Prepared letters conducted written employment and financial verifications and investigations to re-verify loan applications
  • Verified and checked information received as part of the re-verification process
  • Data entry and verification of returns
  • Completed internet checks to verify licenses and permits for various Self-Employed Borrowers.
  • Gained and kept confidence of others by demonstrating success over time as well as assisted in any capacity needed.
  • Took personal responsibility for all work product put forward.
  • Made personal development a priority
  • Constantly sought and responded to feedback and looked for opportunities to grow
  • Demonstrated clear Communication skills: being clear, concise, and being mindful of others time.
  • Worked great and cooperatively with others and valued the different contributions people made
  • Made suggestions to Supervisors, Managers, and coworkers to make sure all work as done “smarter and not harder”
  • Volunteered for projects or any other tasks that needed to be done in a timely manner.
  • Communicated with Management team members about quality issues.
  • Reported repeated issues to supervisors and other departments, collaborating to identify issue roots and rectify problems.
  • Evaluated components and final products against quality standards and client specifications.
  • Participated in team meetings to discuss progress and results, providing ideas and suggestions for improvement.
  • Identified and documented quality discrepancies so management could develop resolutions.
  • Trained and mentored coworkers to apply best practices and comply with quality control guidelines and regulations.
  • Collaborated with production staff to establish and meet quality standards
  • Performed root cause analysis to identify and resolve defects, improving quality standards.
  • Inspected quality of products, taking note of functionality, appearance and other specifications.
  • Developed and implemented inspection processes to define criteria and quality control measures.
  • Resolved customer complaints by investigating problems and developing solutions.
  • Inspected incoming and outgoing materials for accuracy and quality.
  • Monitored inventory levels to restock materials and maintain consistent supply.
  • Checked color, shape, texture and grade of products and materials against established templates, charts, and samples.
  • Monitored product quality at all stages of production process.
  • Investigated customer complaints to take necessary corrective actions.
  • Provided technical support to production personnel.
  • Followed safety protocols while handling hazardous materials.
  • Recommended architectural improvements, design solutions, and integration solutions.
  • Followed standard operating procedures for inspections and tests.
  • Recorded inspection and test results on data sheets.
  • Examined products for imperfections and defects.
  • Repaired faults, reassembled products, and completed additional tests.
  • Trained other workers in inspection and testing procedures.
  • Updated quality control records and reports.
  • Weighed products prior to shipment to confirm accuracy.
  • Assisted in developing inspection and testing protocols.
  • Operated and maintained testing equipment.
  • Utilized quality control software to track and analyze product data.
  • Coordinated with systems partners to finalize designs and confirm requirements.
  • Used analyzers, multimeters and power supplies to conduct diagnostic procedures.
  • Provided feedback to production team regarding product quality.
  • Sampled products to verify compliance with standards

Analyst / Consultant for S.B.A. P.P.P.

Needham Bank (Through Robert Half)
Needham, MA
08.2021 - 10.2021
  • Responsible for making multiple daily recommendations to person(s) making final lender decisions on Small Business Administration Payroll Protection Plan Loans
  • Conducted complete Loan analyses including gathering, analyzing and interpreting all types of information Reviewed comprehensive loan packages in order to identify, evaluate and determining appropriate course of action in order to maximize potential for applicant forgiveness while following SBA PPP program requirements.
  • Analyzed information and conducted troubleshooting to determine ideal solutions and provide recommendations to upper management. Requested additional information, researched and resolved borrower inquiries and issues as required.
  • Performed bank required due diligence such as ensure company active status, drafted loan docs, performed audits and assisted with all projects as requested.
  • Analyzed information and conducted troubleshooting to determine ideal solutions and provide recommendations to upper management.
  • Conducted business data analysis to define product requirements for mapping, data schema definition and testing.
  • Identified and analyzed gaps between current situation and desired outcome using resources to obtain information and deliver solutions.
  • Worked with stakeholders and partners to gather, analyze and define requirements to maximize Forgiveness possibilities.
  • Collaborated with business-unit leaders to identify and prioritize problems while maximizing possibilities for clients' growth and Sales opportunities.
  • Identified, analyzed and interpreted trends or patterns in complex data sets
  • Analyzed transactions to build logical business intelligence model for real-time reporting needs.
  • Participated in requirements meetings to understand business needs.
  • Extracted and interpreted data patterns to translate findings into actionable outcomes. Upheld security and confidentiality of documents and data within area of responsibility.

Surge Loan Specialist

Highlight Technologies, LLC
Remote
04.2020 - 07.2021
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Observed regulatory, compliance and security policies and procedures to keep data as safe as possible from breaches.
  • Identified problem areas within loan portfolio, analyzed risks and suggested appropriate solutions.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Maintained strict confidentiality of bank records and client information.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Developed and implemented marketing campaigns to attract new customers.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Monitored performance of existing loan portfolios to identify and address any issues.
  • Negotiated loan terms to provide favorable outcomes for both customers and lenders.
  • Advised clients on mortgage, education and personal loans.
  • Collaborated with other departments to promptly process loan applications.
  • Developed systems to efficiently track loan documents and enhance accuracy.
  • Examined customer loan applications for loan approvals and denials.
  • Developed strong relationships with customers through high levels of customer service.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Utilized risk management strategies to attain high loan approval rates.

Loan Servicing Associate

Washington Savings Bank
Dracut, MA
10.2019 - 02.2020
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Reviewed and validated details of loan applications and closing documentation.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
  • Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.

Client Services Representative

Plaza Home Mortgage
Wakefield, MA
07.2019 - 09.2019
  • Educated clients on account services and resolved client inquiries regarding statement information and account balances.
  • Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
  • Coordinated with operations staff to resolve service problems and boost client satisfaction.
  • Maintained accurate record-keeping with proactive attention to client information updates.
  • Maintained and managed customer files and databases.
  • Trained and supervised junior customer service representatives on best practices to meet organization goals.
  • Utilized active listening skills to identify customer needs and provide appropriate solutions.
  • Communicated with clients regarding account services, statements, and balances.
  • Prepared and submitted reports to keep management informed of sales activities and progress.
  • Developed and implemented customer satisfaction surveys to measure customer service quality.
  • Responded to customer calls and emails to answer questions about products and services.
  • Offered troubleshooting advice to assist customers with technical issues and navigate smooth process.
  • Developed and implemented customer service policies and procedures to apply best practices and establish quality standards.
  • Offered personalized solutions to meet customer requirements and close sales.
  • Collaborated with other departments to develop ways to increase customer satisfaction.
  • Optimized customer support by establishing collaborative service environments through targeted operational initiatives.
  • Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
  • Promoted available products and services to customers during service, account management, and order calls.
  • Exhibited high energy and professionalism when dealing with clients and staff.

Consumer Loan Processor (Contractor)

RTN Federal Credit Union
Waltham, MA
02.2019 - 06.2019
  • • Interviewed loan applicants and obtained information concerning their loan needs, earnings, and financial conditions.
  • • Created loan applications while ensuring it is complete and initiates loan approval process
  • • Processed approved loan applications to completion, including gathering and ensuring of accuracy for all supporting documentation required for each loan type.
  • • Evaluated applicant credit worthiness, interviewed applicant, and submitted loans to Underwriting for decision.
  • • Actively cross sold credit union products and services based on applicant needs obtained from interview and/or review of account and credit reports.
  • • Maintained knowledge of all guidelines pertaining to consumer credit laws, federal and state regulations to ensure compliance.
  • • Other duties as assigned.

Loan Operations Assistant I

Plaza Home Mortgage
Wakefield, MA
04.2016 - 01.2019
  • Assisted operations manager with planning of routine operations and special projects.
  • Solved problems timely and effectively, ensuring customer satisfaction.
  • Managed and maintained file system covering expenses, reports, and support documentation.
  • Assisted with facility scheduling and customer service.
  • Promptly addressed customer inquiries and complaints to foster swift resolution.
  • Contributed to development of operational procedures to improve efficiency and accuracy.
  • Developed strategies to streamline operational processes and reduce costs.
  • Provided administrative support with accurate document preparation and data entry.
  • Processed customer orders and invoices to support timely fulfillment and delivery.
  • Prepared and delivered operational performance reports to inform management.
  • Supported new employee training and onboarding, providing documentation and training materials on operational processes and procedures.
  • Managed day-to-day department operations with effective workflow coordination.
  • Analyzed and reported on operational data to identify trends and issues.
  • Monitored and updated inventory levels and maintained accurate records of inventory and stock movements.
  • Collaborated with other departments to foster smooth operation of daily processes.
  • Strengthened communication skills through regular interactions with others.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Demonstrated strong organizational and time management skills while managing multiple projects.
  • Applied effective time management techniques to meet tight deadlines.

Residential and Consumer Loan Representative II

Cambridge Savings Bank
Arlington, MA
03.2009 - 02.2016
  • Responded to customer questions via telephone and written correspondence regarding insurance benefits, provider contracts, eligibility, and claims.
  • Developed and maintained positive customer relations and coordinated with team members to properly handle requests and questions.
  • Understood each target customer's business model, mapped out organization, and identified unique technology needs.
  • Coordinated and managed vendor relations to secure access to resources and services needed to promote business at events.
  • Communicated with clients and customers to gather, provide and share updated information on products and services.
  • Managed inventory to provide customers with access to products in high demand.
  • Learned and utilized upselling techniques to encourage customers to make additional purchases and increase sales.
  • Built relationships with industry stakeholders to stay informed on industry trends and developments.
  • Generated reports and provided feedback to management on tradeshow turnouts to inform decision-making on future involvement in events.
  • Researched relevant resources to assist members, identified member representation needs and troubleshot next steps to provide optimal support for member.
  • Handled customer complaints quickly and professionally to restore customer confidence and prevent loss of business.
  • Conducted company performance evaluations after events to assess interest level shown for products and services and discover opportunities for growth.
  • Learned and followed all organizational policies and procedures to maintain safe and professional working environments.
  • Greeted customers warmly to set tone of customer experience and provide welcoming and friendly atmosphere.
  • Planned and executed company participation in trade shows and conferences to initiate relationships with potential clients and promote products and services.
  • Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
  • Collected, arranged, and input information into database system.
  • Helped meet changing demands by recommending improvements to business systems or procedures.
  • Developed effective improvement plans in alignment with goals and specifications.
  • Evaluated staff performance and provided coaching to address inefficiencies.
  • Supported creation of detailed, technical financial models to value potential acquisition targets.
  • Maintained overall safe work environment with employee training programs and enforcement of safety procedures.
  • Optimized customer experience by delivering superior services and effectively troubleshooting issues.
  • Conducted regular reviews of operations and identified areas for improvement.
  • Created and managed project plans, timelines and budgets.
  • Evaluated customer needs and feedback to drive product and service improvements.
  • Frequently inspected production area to verify proper equipment operation.
  • Observed packing operations to verify conformance to specifications.
  • Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
  • Devised and implemented processes and procedures to streamline operations.
  • Educated staff on organizational mission and goals to help employees achieve success.
  • Gathered, organized and input information into digital database.

Skills

Critical Thinking, Complex Problem-Solving and providing creative solutions

Regulatory Research and Processes

Maintaining composure in stressful situations, confrontations, interviews, and records searches

Kept informed regarding pending industry changes, trends or best practices

Work Availability

monday
tuesday
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thursday
friday
saturday
sunday
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afternoon
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Quote

“There are no secrets to SUCCESS. It is the result of preparation, HARD WORK, & learning from failure.”
Retired General, Colin Powell

Timeline

Regulatory Compliance Analyst

Clifton, Larson, Allen
11.2021 - 06.2023

Mortgage Quality Control Processor

Clifton, Larson, Allen
11.2021 - 07.2022

Analyst / Consultant for S.B.A. P.P.P.

Needham Bank (Through Robert Half)
08.2021 - 10.2021

Surge Loan Specialist

Highlight Technologies, LLC
04.2020 - 07.2021

Loan Servicing Associate

Washington Savings Bank
10.2019 - 02.2020

Client Services Representative

Plaza Home Mortgage
07.2019 - 09.2019

Consumer Loan Processor (Contractor)

RTN Federal Credit Union
02.2019 - 06.2019

Loan Operations Assistant I

Plaza Home Mortgage
04.2016 - 01.2019

Residential and Consumer Loan Representative II

Cambridge Savings Bank
03.2009 - 02.2016

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Brian J. LazzaraResidential & Consumer Lending Professional