Peter Reppucci
Ponte Vedra Beach,FL
Summary
Experienced mortgage and financial industry professional seeking career opportunities within mortgage operations, loan modification, and customer care. Core competencies include; high attention to detail, problem solving, and research capabilities.
Overview
9
9
years of professional experience
Work History
Member Solutions Representative
Vystar Credit Union
Jacksonville, FL
04.2024 - Current
- Contacts members to effectively reduce VyStar exposure to financial loses caused by delinquent accounts, reducing repossessions, and charge offs.
- Makes arrangements with members to bring them current and out of delinquency.
- Accepts funds and processes payments from internal and external sources.
- Considers and recommends deferment options, and payment plans to get delinquent accounts back on track.
- Receives inbound calls and assists members and other areas within the credit union.
Mortgage Loan Processor II
VyStar Credit Union
07.2020 - 04.2024
- Processes mortgage applications for purchases and refinances.
- Establishes a relationship with the member and communicates regularly on the status of the application.
- Collects income information such as, paystubs, W2s, social security award letters, and personal and business tax returns.
- Reviews title commitment for UCC filings, additional mortgages, judgments, or delinquent taxes before submitting back to underwriting.
- Reviews bank statements to ensure there are no red flags such as; large deposits, payments towards liabilities not on credit, missing pages, and proper account ownership before submitting back to underwriting.
- Reviews property tax and insurance escrow information for correct data entry in system.
- Communicates effectively with all departments across mortgage such as Sales, Underwriting, Closing, Post Closing, and Servicing.
Mortgage Loan Processor I
Vystar Credit Union
02.2020 - 07.2020
- Processed Home Equity Line of Credit and Fixed Second Mortgage products.
- Reviewed application for accuracy in system and obtained necessary explanations or documentation for a credit decision.
- Ordered appraisal and title reports and reviewed data once received.
- Worked with member to find solutions to any problematic loan scenarios such as loan to value issues, excessive debt to income ratios, and title related defects.
Mortgage Processing Coordinator I
Vystar Credit Union
07.2019 - 02.2020
- Completed verifications of employment, payoff requests, mortgagee changes, and verifications of mortgage.
- Assisted mortgage loan processors with the disposition of applications not moving forward by sending out denial letters and NOI's to members
- Followed up regularly with outside affiliates such as other banks and credit unions, insurance companies, and employers to obtain proper documentation before closing.
Registration Analyst
Plaza Home Mortgage Inc.
03.2018 - 07.2019
- Managed active pipeline and followed up regularly with mortgage brokers to receive underwriting documentation for all loan types including: Conventional, FHA, VA, USDA, 203k, C/P, Jumbo, and Non QM loans.
- Reviewed compliance reports to dispute any issues on loan quality management for all loan types and states in the country.
- Re-worked loan pricing with brokers to find a solution to any compliance issues such as QM, High Cost, and High Priced fails.
- Completed change of circumstances and re-disclosed Loan Estimates and Closing Disclosures.
- Ensured all Loan Estimates uploaded by broker were accurate, complete, and adhered to TRID guidelines.
Mortgage Operations Assistant
Atlantic Coast Bank
09.2016 - 03.2018
- Delivered closed loan packages to various investors and coordinated the resolution of secondarymarket conditions in a timely manner.
- Worked directly with secondary investors on all loan types including; Fannie Mae, Freddie Mac, FHA,VA, and USDA.
- Communicated effectively with underwriters, processors, closers, mortgage loan officers, and outside affiliates to gather loan documentation needed to sell loan on secondary market.
- Completed verifications of employment, payoff requests, title and appraisal orders, and mortgagee changes.
Education
BBA - Business Management
University of North Florida
Jacksonville, FL2016
Certificate - Microsoft Copilot For Excel: AI Data Analysis
Maven Analytics
Skills
- Encompass Experience
- Loan Beam
- Proficient in Microsoft Excel, Word, PowerPoint and Publisher
- Atlas
Timeline
Member Solutions Representative
Vystar Credit Union
04.2024 - Current
Mortgage Loan Processor II
VyStar Credit Union
07.2020 - 04.2024
Mortgage Loan Processor I
Vystar Credit Union
02.2020 - 07.2020
Mortgage Processing Coordinator I
Vystar Credit Union
07.2019 - 02.2020
Registration Analyst
Plaza Home Mortgage Inc.
03.2018 - 07.2019
Mortgage Operations Assistant
Atlantic Coast Bank
09.2016 - 03.2018
BBA - Business Management
University of North Florida
Certificate - Microsoft Copilot For Excel: AI Data Analysis
Maven Analytics