Steven Santa
Mount Juliet,TN
Summary
Dynamic leader with a proven track record. Adept in FHA, VA, Conventional and non-QM loans, and excelling in strategic business development. Spearheaded the launch of a successful sales branch, demonstrating exceptional collaborative leadership and operational management. Achieved significant milestones in quality management and customer satisfaction, ensuring compliance and strategic growth.
Overview
14
14
years of professional experience
Work History
Trade and Processing Specialist
UBS
Nashville, TN
05.2024 - Current
- Assist in the settlement and reconciliation of residential loan origination and warehouse funding transactions
- Assist with loan securitizations that include associated expenses and documentation tracking
- Help produce weekly risk reporting for residential loans in the pipeline
- Produce the nostro, depot and AVI reconciliations including break research and resolution daily
- Provide support to the residential loan businesses as well as appropriately escalate any issues or risks in a timely manner
- Play a key role in the process of funding, settling, and monitoring the loans currently on UBS books
- Monthly Compliance audit of a sample size of loans for each client settled focusing on specific requirements and standards
Producing Sales Branch Manager- NMLS 1946587
River City Mortgage
Nashville, TN
01.2020 - 04.2024
- Launched a successful Sales branch in Nashville, TN in January 2022
- Responsible for managing a team of loan officers to successfully originate new loans, and navigate the process from start to finish
- Trained new loan officers with all aspects of the loan process including origination, loan pricing/locking, processing, and closing
- Assisted with any questions, concerns or issues that occur during the loan process
- Business development to include own loan pipeline
- Manage pipeline risk to include interest rate and fallout risk
- Extensive execution of all loan products including FHA, VA, Conventional, NON-QM, and USDA- with a focus in serving the underserved market
- Well versed in Federal and state regulations being licensed through the NMLS
- Worked with internal and external customers to include Operations (processing, underwriting and closing), direct communication with individual clients, realtors, and any additional parties' part of a loan process
- Responsible for the compliance oversight for all loans originated in the branch and direct mitigation activities with the loan officers
- Managed Optimal Blue
Production Support Manager
Carrington Mortgage Services
Windsor, CT
08.2013 - 12.2020
- Responsible of overseeing the operations dept which included the Processing Supervisors, loan processors, Junior loan processors, and closing disclosure specialists
- Hired and trained employees
- Managed a team of 35 individuals
- Business development
- Managed communication between Sales, Operations, and Underwriting
- Managed pipeline to ensure loans closed in a timely manner as well as managed interest rate and fallout risk
- Managed loan level escalations or issues
- Responsible of meeting and exceeding monthly goals set for our branch while meeting all expectations of closing loans in the appropriate period
- Created all operational process flows from origination to closing
- Created processes and foundations including expected loan communication, quality, reviewing conditions, turnaround times (Service level agreements) as well as training manuals and courses for the hiring and re-training of all employees involved
- Created the initial closing disclosure role and responsible of creating the process flow from start to finish
- Worked closely with the Quality Control Department and Underwriting departments to ensure all loans met the requirements necessary to ensure successful funding as well as the post-closing requirements to eventually sell to the secondary market
- Responsible of Overseeing Lending Compliance for our branch, deliver reporting, and direct any mitigation activities
- Loan products included FHA, VA, Conventional, USDA, NON QM- with a focus in serving the underserved market
Team Lead
ISGN
Rocky Hill, CT
09.2010 - 08.2013
- Responsible of overseeing the operations dept which included the Processing Supervisors, loan processors, Junior loan processors, and closing disclosure specialists
- Hired and trained employees
- Managed a team of 35 individuals
- Business development
- Managed communication between Sales, Operations, and Underwriting
- Managed loan level escalations or issues
- Responsible of meeting and exceeding monthly goals set for our branch while meeting all expectations of closing loans in the appropriate time period
- Created all operation process flows from origination to closing
- Created processes and foundations including expected loan communication, quality, reviewing conditions, turnaround times (Service level agreements) as well as training manuals and courses for the hiring and re-training of all employees involved
- Created the initial closing disclosure role and responsible of creating the process flow from start to finish
Education
Master of Business Administration - Finance
Fairfield University
Fairfield, CTBachelor of Science - Finance
University of Connecticut
Storrs, CTSkills
- FHA Loans
- Conventional
- Quality Management
- Mavent
- Standards Compliance
- VA Loans
- Non-QM Loans
- Defining Processes
- Qualitative Analysis
- Strategic Decision Making
- Developing Strategic Partnerships
- Project Leadership
- Sales Process Management
- Microsoft Office
- Knowledge of Federal and State Laws
- Customer Satisfaction Management
- NMLS
- Collaborative Leadership
- Operational Management
- Strategic Business Development
- Implementation of Strategic Initiatives
- Business Process Analysis
- Data Analysis Reporting
- Audit Compliance Preparation
- Data Reporting
- Effective Implementation Strategies
- Project Planning
- Performance Evaluation Systems
- Accurate Timekeeping
- Payroll Management
- Strategic Marketing
- Senior Leadership Engagement
Languages
Spanish
Native/ Bilingual
English
Native/ Bilingual
Timeline
Trade and Processing Specialist
UBS
05.2024 - Current
Producing Sales Branch Manager- NMLS 1946587
River City Mortgage
01.2020 - 04.2024
Production Support Manager
Carrington Mortgage Services
08.2013 - 12.2020
Team Lead
ISGN
09.2010 - 08.2013
Master of Business Administration - Finance
Fairfield University
Bachelor of Science - Finance
University of Connecticut
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