Summary
Overview
Work History
Education
Skills
Websites
Target Role
Core Competencies
Professional Highlights
Timeline
Generic

J Thomas Monica

Dover

Summary

Dynamic professional with extensive experience in project management and client relationship management at Academy Mortgage. Achieved recognition for closing the second highest number of contracts in 2022, demonstrating strong analytical skills and effective communication. Proven ability to drive process improvements and enhance team performance in fast-paced environments. Detail-oriented and adaptable, consistently delivering results under pressure.

Overview

19
19
years of professional experience

Work History

Crew Member

Trader Joe's
Florham Park
12.2024 - Current
  • Executed opening and closing tasks, including workstation setup and surface cleaning.
  • Educated customers on menu items, ingredients, and nutritional information.
  • Answered phone inquiries to provide precise details about menu offerings.
  • Resolved customer complaints professionally to enhance satisfaction.
  • Checked expiration dates on products prior to service to ensure safety.
  • Performed cashier duties, processing orders and handling payments efficiently.
  • Assisted in food preparation for sandwiches, salads, and pizzas.
  • Maintained organized storage areas for food products and restaurant supplies.

Senior Mortgage Underwriter

Academy Mortgage
Draper
10.2013 - Current
  • Sought out for ability to streamline operations and effectively train on-site and offshore teams on processes and procedures, enabling company to move through robust pipeline of clients.
  • Recognized as top performer, closing second highest number of client contracts in 2022. Additionally, took initiative to independently pursue and pass NCHFA exam on the first try, increasing company’s business opportunities.
  • Partner with stakeholders across sales and processing teams to develop best-fit client solutions and close business.
  • Apply skilled underwriting judgment in reviewing, evaluating, and determining loan status while adhering to complex company, state, and federal regulations. Full authority to approve and structure loans over $1M.
  • Lead quality control audits, ensuring compliance and best practices. Uncover and close gaps in control process.

Fulfillment Associate

Target
Rockaway
08.2024 - 12.2025
  • Coordinated with internal transportation team to ensure timely delivery of orders.
  • Assisted customers with pick-up orders at loading docks and drive-through areas.
  • Communicated order status updates effectively with other departments.
  • Collaborated with team members to maintain efficient workflow during shifts.
  • Packed items according to customer specifications and requirements.
  • Adhered to safety protocols while operating material handling equipment.
  • Streamlined operations by enhancing communication between departments.
  • Optimized packing processes to meet diverse customer needs.

DE Underwriter

Ark Mortgage
Spring Valley
05.2019 - 09.2020
  • Company Overview: Conventional and unconventional loans provider with focus on customized service options.
  • Managed more complex accounts spanning multiple properties, condominiums, and complex income scenarios.
  • Identified opportunities for process improvement and partnered with management on implementation.
  • Conventional and unconventional loans provider with focus on customized service options.

Senior Underwriter

Better Mortgage
New York
11.2018 - 05.2019
  • Company Overview: Digitally driven mortgage approval company with $100 billion in home loans funded entirely online.
  • Provided expert support on optimal restructuring to loan officers. Propelled business through loan closures.
  • Led in-depth analysis, including identification of risk and methods to minimize the identified risk or compensating factors for the risks.
  • Managed approvals and reviewed conditions across junior staff, ensuring compliance and risk management.
  • Digitally driven mortgage approval company with $100 billion in home loans funded entirely online.

DE Underwriter

Mortgage Unlimited
Garfield
05.2017 - 11.2018
  • Company Overview: Family-owned and operated sustainable lending firm with leading reputation for community investment.
  • Lead conventional underwriter and DE mortgage underwriter. Conducted detailed analysis of clients’ income, assets, and appraisals. DU, LP, and FHA Connection. Provided scenario assistance to loan officers.
  • Family-owned and operated sustainable lending firm with leading reputation for community investment.

DE Underwriter

The Money Store
Florham Park
07.2014 - 05.2017
  • Company Overview: Full-Service Mortgage Banker licensed in 47 states and has been a trusted mortgage lending brand for over 50 years.
  • Team lead for critical software rollout. Led user acceptance testing, consulted on solutions, and conceived and enabled seamless rollout plan.
  • Oversaw staff training on new system—established detailed documentation to support implementation and enable adoption across teams.
  • Only underwriter assigned to oversee complex applications for condominiums and structured deals.
  • Full-Service Mortgage Banker licensed in 47 states and has been a trusted mortgage lending brand for over 50 years.

Junior Underwriter

Sun West Mortgage Company
Denville
10.2013 - 01.2014
  • Company Overview: One of the nation’s largest privately owned mortgage lenders and servicers.
  • Conducted in-depth review of appraisal and title work, calculated income, and client assets to make informed decisions on approval of personal mortgage loans.
  • Applied insightful knowledge and judgment to detailed loan analyses to offer effective underwriting alternatives to clients and communicated with clients on loan conditions and statuses.
  • One of the nation’s largest privately owned mortgage lenders and servicers.

Loan Processor

American Mortgage Resources
Byram
04.2013 - 10.2013

Loan Processor

West Town Savings Bank
Manalapan
10.2012 - 04.2013

Loan Processor

The Money Store
Florham Park
03.2012 - 10.2012

Loan Processor

Real Estate Mortgage Network
Cedar Knolls
08.2011 - 11.2011

Operations Manager

Expertivity Mortgage Solutions
Fairfield
01.2007 - 01.2008
  • Championed more streamlined processing, conducted comprehensive reviews across workflows, eliminated redundant steps, and fine-tuned functions, partnering with IT stakeholders on automations and enhancements.

Education

Bachelor of Science - Business, Accounting Concentration

Kaplan University
Chicago, IL

Skills

  • Project Management
  • Team collaboration
  • Conflict resolution
  • Effective communication
  • Time management
  • Customer service
  • Inventory management
  • Quality assurance
  • Product knowledge
  • Performance improvement
  • Verbal and written communication
  • Leadership qualities
  • Reliability and punctuality
  • Sales expertise
  • Process Improvement
  • Quality Control
  • Systems Integration
  • User Acceptance Testing
  • Operations Management
  • Client Relationship Management
  • Staff Leadership
  • Training Development
  • Strategic Problem-solving
  • Cross-functional Collaborations
  • Highly Interpersonal
  • Adaptable
  • Detail-Oriented
  • Multi-Tasker
  • Follow-Through
  • Oral & Presentation Skills
  • Client-centric
  • Consensus Mindset
  • Microsoft Word
  • Microsoft Excel
  • Microsoft PowerPoint
  • Encompass
  • Desktop Underwriter
  • Loan Prospector
  • FHA Connection
  • Calyx Point
  • Allregs
  • DataVerify
  • LexisNexis

Target Role

Apply deep analytical skills, collaborative team management, insightful technical direction to drive customized client solutions and propel business goals.

Core Competencies

Project Management, Process Improvement, Quality Control, Systems Integration, User Acceptance Testing, Operations Management, Client Relationship Management, Staff Leadership, Training Development, Strategic Problem-solving, Cross-functional Collaborations, Highly Interpersonal, Adaptable, Detail-Oriented, Multi-Tasker, Follow-Through, Oral & Presentation Skills, Client-centric, Consensus Mindset

Professional Highlights

  • Key contributor to company-wide new system rollout. Led testing, identified issues, and developed rollout roadmap, which minimized business disruptions and delivered seamless integration.
  • Selected to develop training program for offshore team. Architected training modules that could be adapted and customized across the organization.
  • Spearheaded several process improvement initiatives, delivering streamlined functions, heightened efficiencies, and critical consistency.
  • Change mindset successfully pivoted from operations manager career to an underwriter. Rapidly learned new systems, processes, and industry regulations to meet and exceed business goals.

Timeline

Crew Member

Trader Joe's
12.2024 - Current

Fulfillment Associate

Target
08.2024 - 12.2025

DE Underwriter

Ark Mortgage
05.2019 - 09.2020

Senior Underwriter

Better Mortgage
11.2018 - 05.2019

DE Underwriter

Mortgage Unlimited
05.2017 - 11.2018

DE Underwriter

The Money Store
07.2014 - 05.2017

Senior Mortgage Underwriter

Academy Mortgage
10.2013 - Current

Junior Underwriter

Sun West Mortgage Company
10.2013 - 01.2014

Loan Processor

American Mortgage Resources
04.2013 - 10.2013

Loan Processor

West Town Savings Bank
10.2012 - 04.2013

Loan Processor

The Money Store
03.2012 - 10.2012

Loan Processor

Real Estate Mortgage Network
08.2011 - 11.2011

Operations Manager

Expertivity Mortgage Solutions
01.2007 - 01.2008

Bachelor of Science - Business, Accounting Concentration

Kaplan University

Similar Profiles

CREATE PROFILE