Joseph Tartamosa
Senior Loan Officer
Wilmington,DE
Summary
I recently retired after a 33 year career as a mortgage loan officer.
It is now time for a change of career. I am seeking a position as a pick up and delivery driver. I have an excellent driving record, see attached certified copy of my Maryland driving record. I am awaiting my certified copy from the State of Florida as well. As a licensed mortgage officers I have successfully completed multiple background checks with finger printing as well as drug testing. I am energetic, have a good work ethic and like being around people. Lastly I love to drive.
Overview
22
22
years of professional experience
Work History
Senior Mortgage Loan Officer
Cardinal Financial Corp
10.2022 - 07.2024
- Prepared comprehensive loan files that included detailed documentation needed for underwriting approval.
- Analyzed applicant financial status and credit to determine feasibility of granting loans.
- Educated clients on various loan products available to them, ensuring they made informed decisions regarding their financing options.
- Collaborated with underwriters, processors, and closers to ensure a seamless loan process for clients.
- Assisted clients throughout the entire mortgage process, from initial application to closing, ensuring a positive customer experience.
- Worked closely with processors to resolve any issues that arose during application review or underwriting stage, minimizing delays in closing timescales.
Senior Loan Officer
American Pacific Mortgage Corporation
08.2022 - 10.2022
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
Senior Loan Officer
Cardinal Financial
09.2019 - 08.2022
- Collaborated with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Submitted loan applications to underwriter for verification and recommendations.
Senior Mortgage Banker
Vandyk Mortgage
09.2017 - 09.2019
- Managed pipeline efficiently to meet strict deadlines for loan applications, underwriting, and funding.
- Maintained compliance with federal regulations and company policies throughout all stages of the mortgage process.
- Actively participated in community outreach events to promote homeownership education programs and establish company presence in local markets.
- Educated first-time homebuyers on loan options available to them, guiding them through the entire application process seamlessly.
- Provided exceptional customer service by addressing client inquiries promptly and accurately.
Senior Loan Officer
Bank of America
10.2016 - 09.2017
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Submitted loan applications to underwriter for verification and recommendations.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Maintained strict confidentiality of bank records and client information.
Senior Loan Officer
Apex Home Loans, Inc
02.2015 - 09.2016
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
Senior Loan Officer
Atlantic Home Loans
02.2014 - 02.2015
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Collected information from banks, institutions and employers to assess applicant eligibility.
Senior Loan Officer
Embrace Home Loans
12.2009 - 01.2014
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Submitted loan applications to underwriter for verification and recommendations.
Branch
Wilmington Mortgage
11.2002 - 12.2009
- Conducted thorough risk assessments for loan applications, providing detailed analysis of creditworthiness to assist in decision-making processes.
- Delivered outstanding customer experiences by promptly addressing inquiries, offering personalized solutions, and building long-lasting relationships.
- Streamlined processes for improved efficiency, implementing time-saving procedures for daily tasks.
- Resolved complex customer issues with diplomacy, referring escalated matters to appropriate personnel when necessary.
- Assisted in branch growth by actively promoting bank products and services to new and existing clients.
- Assisted customers by providing exceptional customer service and processing transactions.
- Aided in the training of new employees on bank policies, procedures, and systems to ensure consistent levels of knowledge across the staff team.
- Provided expert financial guidance to customers, helping them make informed decisions about their banking needs.
Education
Associate of Arts - Business Administration
Saint Joseph's College
Philadelphia, PA06.1973
Skills
- Communication and Interpersonal Abilities
- Credit Analysis Proficiency
- Real Estate Market Awareness
- Financial analysis aptitude
- FHA and VA Loan Expertise
- Conventional Loan Knowledge
- Income Verification Techniques
- Mortgage Product Understanding
- Asset Evaluation Expertise
- Residential mortgage lending regulations
- Licensed Mortgage Loan Originator
- Customer Service
Timeline
Senior Mortgage Loan Officer
Cardinal Financial Corp
10.2022 - 07.2024
Senior Loan Officer
American Pacific Mortgage Corporation
08.2022 - 10.2022
Senior Loan Officer
Cardinal Financial
09.2019 - 08.2022
Senior Mortgage Banker
Vandyk Mortgage
09.2017 - 09.2019
Senior Loan Officer
Bank of America
10.2016 - 09.2017
Senior Loan Officer
Apex Home Loans, Inc
02.2015 - 09.2016
Senior Loan Officer
Atlantic Home Loans
02.2014 - 02.2015
Senior Loan Officer
Embrace Home Loans
12.2009 - 01.2014
Branch
Wilmington Mortgage
11.2002 - 12.2009
Associate of Arts - Business Administration
Saint Joseph's College
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