LOUIS CONCIARDO
Webster,NY
Summary
Results-driven operations and financial services professional with diverse experience spanning lending/underwriting, mortgage banking, and large-scale manufacturing operations. Proven leader with a track record of managing cross-functional teams, optimizing processes, and driving measurable performance improvements, including increased production output and profitability. Expertise in credit risk assessment, portfolio management, and regulatory compliance, combined with strong capabilities in business analysis, KPI development, and process optimization. Recognized for making sound, data-driven decisions, improving operational efficiency, and building high-performing teams in fast-paced, high-volume environments. Detail-oriented and strategic, with a consistent focus on quality, customer satisfaction, and achieving organizational goals.
Overview
22
22
years of professional experience
Work History
Sr. Underwriter
Canandaigua National Bank & Trust
01.2022 - Current
- Approve or decline consumer loan applications in accordance with board-approved lending limits, credit policies, and scorecard thresholds.
- Exercise $100K lending authority within indirect auto lending; escalate and present higher-exposure recommendations to senior management for final approval.
- Review and update Home Equity Lines of Credit (HELOCs) and loans, ensuring completeness and accuracy prior to second-level underwriting review.
- Monitor portfolio credit quality, proactively identifying trends, emerging risks, and opportunities for risk mitigation.
- Deliver exceptional service to auto dealers, internal stakeholders, and customers, providing guidance and credit counseling as needed.
- Serve as a key point of contact for dealership and branch personnel, managing inquiries related to loan status, approvals, and payoffs.
- Maintain up-to-date knowledge of underwriting guidelines, regulatory requirements, and internal procedures to ensure compliance.
- Partner with management to identify process gaps and recommend improvements across underwriting, credit controls, and customer experience.
- Conduct comprehensive risk assessments by analyzing borrower profiles, credit reports, income documentation, and financial statements.
- Collaborate with clients and partners to collect and validate required documentation, ensuring efficient and accurate underwriting decisions.
- Drive process improvements that enhance underwriting efficiency, turnaround time, and overall workflow effectiveness.
- Develop and deliver training initiatives to strengthen team understanding of underwriting standards, policies, and regulatory expectations.
Mortgage Underwriter
ICG (Intercontinental capital group)
08.2020 - 11.2021
- Underwrote high-volume residential mortgage loans (FNMA/FHLMC), ensuring compliance with investor guidelines and regulatory requirements across 46 states.
- Managed a pipeline of 150+ loans, consistently meeting aggressive turnaround times (24–48 hours) while maintaining accuracy and quality.
- Demonstrated strong commitment by underwriting 20+ additional loans on weekends to support operational demands and reduce backlog.
- Utilized AUS systems (DU/LP) and applied in-depth knowledge of Fannie Mae and Freddie Mac Selling Guides, including investor overlays.
- Analyzed complex loan files, including income documentation, tax returns, credit reports, appraisals, title reports, and bankruptcy/financial history.
- Calculated and validated borrower income (W-2, self-employed, and business financials) to support sound credit decisions.
- Collaborated closely with loan officers, processors, and leadership to ensure efficient workflow and timely closings.
- Reviewed peer underwriter files and provided constructive feedback to enhance quality, consistency, and compliance.
- Identified risk factors and recommended loan restructuring strategies to align with underwriting guidelines and improve approval outcomes.
- Maintained strict quality control by ensuring file completeness, accuracy, and adherence to standardized processes.
- Leveraged underwriting platforms including Encompass, DataVerify, and LexisNexis for credit analysis and fraud detection.
- Communicated conditions clearly and effectively to stakeholders, facilitating smooth loan progression and resolution.
- Supported production goals by partnering with leadership to meet volume targets while upholding risk management standards.
- Applied strong organizational skills to manage competing priorities in a fast-paced, high-volume environment.
- Demonstrated flexibility and dedication by consistently working extended hours to meet business needs and deadlines.
Finance Manager
West Herr Automotive Group
10.2019 - 08.2020
- Worked with and managed 7-10 sales associates. As the Finance Manager, I was responsible for working with banks, following each bank's guidelines and determining where to apply for a loan based on financial attributes. Additionally, I would validate the customers credit worthiness.
- Reviewed credit and determined what banks will buy the loan based on bank guidelines.
- Submit application to several banks based on what makes sound financial sense for the customer and West Herr.
- Credit report review to understand if there is a credit challenge.
- Build a warranty presentation to suit each car purchase based on the number of years covered and cost.
- Sell warranty based on salesmanship, finding the need for the customer.
- Print all necessary paperwork for bank, state and federal regulations.
- Responsible for all documents meeting Bank and NYS guidelines.
Payroll / Invoicing
ColorCentric Corp, Rochester, NY
Rochester, NY
01.2018 - 01.2019
- Transitioned into Payroll and Invoicing Specialist role during company acquisition, demonstrating adaptability in a rapidly changing environment.
- Partnered closely with the CFO and assumed full payroll and invoicing responsibilities following executive retirement.
- Processed bi-weekly payroll for 100+ employees, ensuring accuracy and compliance with FLSA regulations using Paychex.
- Managed employee time tracking, salary adjustments, and temporary staff hours for each pay cycle.
- Resolved payroll discrepancies and ensured accurate processing of federal and state taxes, Social Security, Medicare, and employee benefit deductions.
- Administered multi-state payroll operations (NY and ID), maintaining compliance with varying state regulations.
- Handled and documented wage garnishments, including bankruptcy, student loan, and child support orders.
- Conducted month-end payroll tax analysis to support accounting and financial reporting.
- Audited payroll data, postings, and financial records for accuracy, proper coding, and compliance.
- Leveraged advanced Microsoft Excel skills (e.g., VLOOKUP, complex formulas, data analysis) to reconcile payroll data and improve reporting efficiency.
- Demonstrated strong organizational and analytical skills in managing payroll for a 100+ employee manufacturing organization.
Vice President of Operations
ColorCentric Corp, Rochester, NY
Rochester, NY
01.2013 - 01.2019
- Directed multi-department operations with oversight of departmental supervisors, focusing on product quality, on-time delivery, inventory optimization, and customer satisfaction.
- Drove significant manufacturing performance improvements through automation initiatives and ROI-based capital investments, contributing to approximately $150K in annual profit growth.
- Led Quality Management oversight, establishing weekly cross-functional meetings to identify gaps and implement continuous process improvements.
- Managed vendor and supplier relationships, maintaining a strategic database to ensure lean inventory levels while supporting demand fluctuations.
- Standardized organizational structure by developing formal job descriptions and compensation tiers across all roles.
- Implemented performance metrics to measure operator throughput and production quality against defined targets.
- Increased profitability through data-driven performance optimization and operational efficiency initiatives.
- Analyzed operational data to align production strategies with evolving business conditions and forecasted demand.
- Strategically allocated resources and coordinated operations to meet production goals and maximize output.
- Fostered cross-functional collaboration to enhance team engagement and ensure alignment with company objectives.
- Supported business growth initiatives by integrating operational execution with promotional and leadership strategies, including hands-on support during peak periods.
- Developed scalable workforce planning strategies, optimizing labor during low-demand periods and ramping staffing for peak seasons (3x volume increase over final 8 weeks).
- Managed a workforce of 125+ employees, scaling to 300+ including temporary staff during peak production periods.
- Strengthened customer satisfaction and retention by implementing quality assurance programs tied to defect-rate performance metrics.
Director of Operations
ColorCentric Corp, Rochester, NY
Rochester, NY
01.2004 - 01.2013
- Demonstrated a consistent record of advancement within an industry-leading manufacturer of high-end printing and production equipment, earning promotions to roles of increasing responsibility and leadership.
- As Director of Operations, led strategic planning and execution of production targets and budget objectives to support rapid business growth; managed a workforce of 100+ employees.
- Increased production output by 100% through strategic capital equipment investments and process optimization initiatives.
- Partnered with senior leadership, technical teams, and supervisors to streamline operations and meet aggressive production timelines.
- Defined and enforced production priorities and quality standards to ensure operational excellence and customer satisfaction.
- Maintained strong vendor relationships, communicating daily to ensure continuity of operations and timely material delivery.
- Evaluated incoming materials for quality, accuracy, and alignment with production requirements.
- Resolved operational challenges through data-driven decision-making, critical thinking, and implementation of best practices.
- Led full-cycle talent management, including recruiting, hiring, onboarding, and training of new employees.
- Controlled material usage and contractor labor hours to ensure adherence to budget constraints and maximize cost efficiency.
Education
BS - Organizational Management
Roberts Wesleyan College
04-2004
Skills
- Team Leadership, Development & Engagement
- Department Launch & Workforce Training
- Business Analysis & Process Improvement
- Large-Scale Facility Management (100K sq ft)
- Vendor & Supplier Relationship Management
- Documentation Review & Compliance Verification
- Advanced Microsoft Office Suite (Excel, Word, Outlook, Teams, SharePoint)
- ROI & Cost-Benefit Analysis
- Product & Vendor Evaluation
- Risk Assessment & Mitigation
- KPI Development, Tracking & Performance Management
- Conflict Resolution & Problem Solving
Timeline
Sr. Underwriter
Canandaigua National Bank & Trust
01.2022 - Current
Mortgage Underwriter
ICG (Intercontinental capital group)
08.2020 - 11.2021
Finance Manager
West Herr Automotive Group
10.2019 - 08.2020
Payroll / Invoicing
ColorCentric Corp, Rochester, NY
01.2018 - 01.2019
Vice President of Operations
ColorCentric Corp, Rochester, NY
01.2013 - 01.2019
Director of Operations
ColorCentric Corp, Rochester, NY
01.2004 - 01.2013
BS - Organizational Management
Roberts Wesleyan College