Paul S. Zaccagni
Brighton,MI
Summary
Seasoned Lending Manager with significant background in financial services. Known for strong ability to develop and implement strategic lending programs, manage risk, and ensure regulatory compliance. Have demonstrated leadership skills, business acumen, and expertise in credit underwriting. Significant impact made in previous roles by improving loan portfolio performance, fostering customer relationships, and enhancing operational efficiency.
Overview
24
24
years of professional experience
Work History
Senior Mortgage Loan Officer
Michigan First Credit Union
Lathrup Village, MI
07.2024 - Current
- Assisted clients in selecting mortgage products that fit their financial needs.
- Collaborated with real estate agents to facilitate smooth transactions for clients.
- Guided clients through underwriting requirements and gathered necessary information.
- Maintained up-to-date knowledge of industry trends and regulatory changes affecting mortgages.
Production Manager
Goldwater Bank
Phoenix, AZ
12.2023 - 06.2024
- Manages a team of mortgage lending specialists.
- Developed and implemented a Real Estate referral program.
- Established new lending relationships through the development of new programs.
- Successfully developed business in new markets.
- Trains and oversees new loan officers.
- Develops business plans addressing performance issues and recommends course of action to resolve in order to achieve the highest level of profitability.
Vice President and Regional Manager
EMM LOANS LLC
Cherry Hill, NJ
01.2018 - 06.2023
- Managed a retail team of over 25 Loan Officers in Michigan and the West Coast.
- Developed and maintained new policies and procedures.
- Successfully grew the retail region to over 20 million a month in production.
- Generated new business via marketing calls, sales presentations, educational seminars, and community involvement.
- Cultivated and maintained strong business relationships with investors and vendors.
- Managed and maintained the office budget.
Regional Manager
FIRST HERITAGE MORTGAGE SERVICES
Trevose, PA
03.2020 - 10.2022
- Started a new territory for a Credit Union CUSO of retail offices with a focus on compliance and loan production while maintaining the highest level of efficiency and accuracy.
- Highly knowledgeable about federal and state regulations, along with policies and procedures.
- Independent self-starter and natural leader who motivates teams to achieve mutual goals and overall objectives.
- Analytical, innovative, logical and task-focused. History of accurately assessing complex business solutions and providing practical strategies for improving results.
Vice President and Regional Manager
TOWNE MORTGAGE
Troy, MI
08.2015 - 12.2018
- Set up and maintained compliant structure for building out retail branches.
- Developed proper payroll procedures within a complete system change in the companies front end mortgage system.
- Ensured loans adhere to program, compliance, due diligence and industry requirements.
- Trained new incoming loan officers on how to stay compliant with new Trid regulations.
State Manager
PRMG
Corona, CA
09.2014 - 08.2015
- Managed daily operations and strategic initiatives for multiple branches.
National Sales Director
LENDING STAR GROUP
Southfield, MI
10.2013 - 08.2014
- Maintained productive national sales staff by strategically recruiting, orienting and training top-notch employees.
Correspondent-Wholesale Manager
FIRST STATE BANK
Bloomington, IL
05.2012 - 11.2013
- Participated in promotional activities associated with the organization's brand.
Managing Director
FIRST INDEPENDENCE BANK
Detroit, MI
07.2011 - 03.2013
- Oversaw compliance with regulatory requirements and banking policies.
Vice President of Sales
APPROVED MORTGAGE
Canton, MI
01.2010 - 06.2011
- Analyzed customer data to identify new sales opportunities.
President and CEO
BANK OF ANN ARBOR WHOLESALE
Ann Arbor, MI
02.2002 - 03.2009
- Created a complete wholesale division for the bank.
- Handled secondary, underwriting, product development and sales for the bank.
- Closed over $1 billion in wholesale business.
- Managed a team of over 35 employees.
Skills
- Compliance management
- Sales strategy development
- Credit analysis proficiency
- Loan processing efficiency
Timeline
Senior Mortgage Loan Officer
Michigan First Credit Union
07.2024 - Current
Production Manager
Goldwater Bank
12.2023 - 06.2024
Regional Manager
FIRST HERITAGE MORTGAGE SERVICES
03.2020 - 10.2022
Vice President and Regional Manager
EMM LOANS LLC
01.2018 - 06.2023
Vice President and Regional Manager
TOWNE MORTGAGE
08.2015 - 12.2018
State Manager
PRMG
09.2014 - 08.2015
National Sales Director
LENDING STAR GROUP
10.2013 - 08.2014
Correspondent-Wholesale Manager
FIRST STATE BANK
05.2012 - 11.2013
Managing Director
FIRST INDEPENDENCE BANK
07.2011 - 03.2013
Vice President of Sales
APPROVED MORTGAGE
01.2010 - 06.2011
President and CEO
BANK OF ANN ARBOR WHOLESALE
02.2002 - 03.2009