Multi-talented business leader looking to utilize my 15+ years of experience in the Mortgage Industry to transition in to the underwriting sector of our industry. Highly-motivated with a desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Hi, I’m
Teresa Cacucciolo
Cocoa ,FL
Summary
Overview
23
years of professional experience
Work History
Concorde Home Loans of Florida CorpCocoa , FL
Vice President / Producing Loan Officer
07.2022 - Current
Job overview
- Formulated policies that ensured compliance with state and federal agencies for Mortgage Lending.
- Managed existing contract, and acquired new contracts with various wholesale lenders, credit agencies, and compliance partners.
- Collaborated with executive team members on major decisions regarding company-wide initiatives.
- Oversaw mortgage loans from submission to closing, consistently meeting contract deadlines, Ensuring compliance with federal, state and local laws relating to the mortgage industry.
- Maintained a thorough knowledge of current lending regulations, policies, and procedures.
- Reviewed borrower documents such as tax returns, bank statements, employment history. to verify accuracy and completeness.
- Oversee training and onboarding of new loan officers, processors, and assistants.
Christensen Financial DBA Concorde Home LoansCocoa , FL
Executive Assistant / Producing Loan Originator
11.2020 - 07.2022
Job overview
- Processed loan documents and ensured compliance with federal regulations.
- Assisted in developing policies and procedures pertaining to office administration matters.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Researched discrepancies in documentation received from applicants or third parties.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Verified all necessary forms were completed accurately according to company standards.
- Provided support during the underwriting process by collecting additional documentation when needed.
- Attended regular meetings with sales staff to discuss strategies for increasing business volume.
Team Beachbody (Now BODI)Cocoa , FL
Network Marketing Professional
11.2012 - 11.2020
Job overview
- Developed and implemented effective network marketing strategies to increase sales and customer satisfaction. Grew a team of 2 in 2012 to over 2200 coaches in 2019
- Sales consistently grew year over year. Grew from initial commission of $14 per paycheck to over six figures annually in 4 years.
- Consistently earned annual vacations, bonuses, and was requested to speak quarterly at corporate events to provide guidance and support to new members of the network marketing team as they learned the ropes of the business.
- Assisted senior leadership in developing long-term growth strategies for expanding the reach of our network marketing efforts.
- Utilized social media platforms such as Facebook or Twitter to create an online presence for our brand's products and services.
- Conducted regular training sessions for employees on best practices related to network marketing techniques and tools.
- Worked in a 100% remote location. Conducted all training, and meetings via zoom. Arranged quarterly meetups.
Concorde Mortgage of Central FLKissimmee, FL
Loan Processing Manager
03.2001 - 11.2014
Job overview
- Managed daily loan processing operations, ensuring compliance with banking regulations and customer service standards for over 22 mortgage brokers
- Oversaw training and development for all new loan processor hires
- Reviewed loan applications for accuracy and completeness prior to submission of documents to underwriting team.
- Conducted credit analysis on loan applications to ensure creditworthiness of potential borrowers.
- Maintained a portfolio of loans in various stages of processing, tracking progress and providing updates as needed.
- Developed and implemented procedures to streamline loan processing workflow for increased efficiency.
- Provided guidance and support to junior staff members regarding loan processing protocols.
- Analyzed financial data including income statements, balance sheets and cash flow statements in order to assess borrower's ability to repay debt.
- Stayed abreast of lending regulations, industry trends and market rates.
Education
Mortgage EducatorsOrlando, FL
NMLS License from Mortgage Loan Origination
11.2020
University Overview
Kambuck ResourcesKissimmee FL
Morgage Loan Originator Licence from Mortgage Lending
12.2001
University Overview
Pleasant Grove High SchoolKissimmee, FL
High School Diploma
05.2001
University Overview
National Association of Mortgage UnderwritersRemote
NAMU Certified Mortgage Underwriter Course from Mortgage Underwriting
University Overview
Skills
- Analyzing Data
- Managing Risk
- Building Strong Relationships
- Data Collection
- Successful Record working remote for 14 years
- Customer Service
- Client Relationship Building
- Financial Document Review
- Dependable and Reliable
- Accuracy and Efficiency
- Concise Time Management
- Finalizing Contracts
- Verifying Information
- Processing Documents
- Proficient in Microsoft Office
- Experience with Calyx, Encompass and Arrive Software
- Reading and analyzing credit reports
Languages
English
Native/ Bilingual
Accomplishments
Accomplishments
- Consistently maintained high customer satisfaction ratings.
- Promoted from Loan Processor to Loan Processing Manager in less than 2 years
- Built a successful network marketing business 100% online, working part-time raising 3 small boys. Resulting in a down line of over 2200, and a six figure income from $0 in 4 years
- Promoted to Vice President of Concorde Home Loans new company formation, in under 3 years.
Timeline
Vice President / Producing Loan Officer
Concorde Home Loans of Florida Corp
07.2022 - Current
Executive Assistant / Producing Loan Originator
Christensen Financial DBA Concorde Home Loans
11.2020 - 07.2022
Network Marketing Professional
Team Beachbody (Now BODI)
11.2012 - 11.2020
Loan Processing Manager
Concorde Mortgage of Central FL
03.2001 - 11.2014
Mortgage Educators
NMLS License from Mortgage Loan Origination
Kambuck Resources
Morgage Loan Originator Licence from Mortgage Lending
Pleasant Grove High School
High School Diploma
National Association of Mortgage Underwriters
NAMU Certified Mortgage Underwriter Course from Mortgage Underwriting
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