Teresa Serapione
Rockaway
Summary
Knowledgeable, efficient and professional Mortgage professional with 30+ years of experience in mortgage services and quality assurance. Areas of expertise include: Loan preparation Team management and training Research and solution development Liaising with clients and investors Software troubleshooting Cross-departmental communication
Experienced with processing loan applications and managing client documentation. Utilizes organizational skills and attention to detail to ensure compliance with industry standards. Track record of effective communication and problem-solving in mortgage lending environments.
Overview
42
42
years of professional experience
Work History
Mortgage Loan Officer Assistant
Cross Country Mortgage
Rockaway, NJ
08.2024 - 06.2025
- Review mortgage applications for qualification and prepare for disclosures
- Request all necessary documentation from borrowers and prepare loan for submission to Processing and Underwriting
- Communicate with borrowers for document gathering and qualification purposes
- Ensure loans are disclosed in a timely matter to meet TRID requirements
- Ensure loans meet various product guidelines
- Qualify Conventional, FHA, VA, Bond and HELOC loans
Senior Production Support Team Member/SME
Blue Sage Technology
Englewood Cliffs, NJ
06.2018 - 10.2023
- Research and coordinate with developers and business analysts to provide solutions for production issues found in the Loan Origination System, Loan Officer and Borrower portals.
- Train new team members on the system and production support processes
- Replicate production issues in lower environments and create internal JIRA work tickets, user stories, defects and client facing tickets
- Followed up on fixes and solutions for reported issues
- Assessed and tested developer fixes before releasing to client(s)
- Write test cases/steps to replicate production issues
- Provide a superior client experience which results in client satisfaction
QA/BA
IBM
Englewood Cliffs, NJ
10.2005 - 06.2018
- Collaborated with clients to identify and implement custom needs and changes to proprietary Loan Origination Software, using XML and MISMO data sets, in Business Analyst, SME, and Quality Assurance capacities
- Prepared quality and precise UI design, functional and configuration specifications, workflow processes, and use case scenarios
- Performed QA and BA responsibilities for end-to-end system projects, working on integrations with DU, LP, Early Check, and UCDP, as well as document and third-party vendors, including WKFS, Docutech, and RealEC Appraisals and Fiserv
- Assisted with research, design, and testing of software
- Coordinated with developers to identify, design, and deploy automation and business process optimization solutions
Mortgage Supervisor, Loan Delivery
Weichert Mortgage
Morris Plains, NJ
07.2003 - 10.2005
- Prepared all home equity loans for delivery to various investors
- Liaised with investors on a daily basis to ensure loan conditions were accepted and approved for funding
- Ensured accurate reporting of monthly fundings on a consistent basis
- Provided superior and professional client support
- Ensure quick turnaround time for all loans and communications
Various Loan Coordination Positions
Carteret Savings Bank, Fleet Bank/Summit Bank/United Jersey Bank, Anchor Savings/West Jersey Community Bank
01.1983 - 01.2003
- Supervised department, assisting with HR functions, training new employees, and conducting staff meetings, based on the needs of each role
- Performed actual Post Closing/Delivery function of FHA/VA, State Agency Bonds, Community Reinvestment Act loans, among other various loan types
- Assisted with implementation and rollout of new mortgage origination system
- Reviewed title work and scheduled closings for all types of mortgage loans; responsible for clearing all commitment conditions before closings
- Processed and closed Employee and Private Banking loans, maintaining a high level of confidentiality
- Substantiated loan documents, including Title, Insurance, Appraisal, Credit and Income
- Verified borrowers’ financial data for accuracy prior to submitting to Underwriting
- Processed and closed Construction to Perm loans, including the reviewing and releasing of construction draws
- Provided superior client experience and ensured timely and efficient resolution of customer issues that arose
- Communicate between Loan originator, borrower, underwriting and closing departments, ensuring all approved loans were cleared for closing
- Collaborated with other departments on daily operations and special projects
Education
No Degree - Business Administration And Management
County College of Morris
Randolph Township, NJSkills
- Microsoft Office, Google Sheets, Lotus, AWS, JIRA Confluence, SQL, SoapUI, Splunk, GSE product tools (DU, LP, Early Check, UCDP), Agile Methodology
- Credit analysis
- Document review
- Banking
- Credit
- Loans
- Loan processing
Languages
Italian
Native or Bilingual
Timeline
Mortgage Loan Officer Assistant
Cross Country Mortgage
08.2024 - 06.2025
Senior Production Support Team Member/SME
Blue Sage Technology
06.2018 - 10.2023
QA/BA
IBM
10.2005 - 06.2018
Mortgage Supervisor, Loan Delivery
Weichert Mortgage
07.2003 - 10.2005
Various Loan Coordination Positions
Carteret Savings Bank, Fleet Bank/Summit Bank/United Jersey Bank, Anchor Savings/West Jersey Community Bank
01.1983 - 01.2003
No Degree - Business Administration And Management
County College of Morris