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
Wilmington, DE
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
Cape Coral, FL
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
Port Charlotte, FL
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
Punta Gorda, FL
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
Cape Coral, FL
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
Cape Coral, FL
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
Wilmington, DE
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
Wilmington, DE
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
Cape Coral, FL
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