Tommaso Manzo
Saugus,MA
Summary
Collaborative leader with dedication to partnering with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Overview
16
16
years of professional experience
Work History
Manager/ Supervisor - Mortgage Operations
Silicon Valley Bank- Div. Of First Citizens Bank
03.2023 - 01.2024
- Ensured all regulatory requirements were met in order to maintain compliance with state and federal laws.
- Developed and implemented processes for Disclosure and Lock Desk team members to improve operational efficiency, accuracy and compliance with regulations.
- Assisted in creating job aids and procedures for mortgage ops team.
- Provided monthly reporting for TRID data on Reg Z and Reg H summarizing metrics to Mortgage ops, Sales, and Compliance team leaders.
- Analyzed weekly and monthly reporting stats for mortgage operations team.
- Trained new employees on policies and procedures related to residential mortgage industry
- Provided guidance and support to junior staff members on a regular basis
- Collaborated with cross-functional teams within organization such as Sales, Mortgage ops Support, and Compliance on initiatives related to residential mortgages.
- Attended industry seminars and webinars in order to stay abreast of any changes in regulations or best practices
- Assisted and supervised a team of 30-40 mortgage operations staff members to ensure operational objectives were met.
Manager/ Supervisor - Mortgage Operations
Boston Private Bank / Div Of Silicon Valley Bank
05.2022 - 03.2023
- Trained new employees on policies and procedures related to the mortgage industry
- Worked with Compliance team on ensuring HMDA data was accurate.
- Collaborated with Mortgage integration team with development of Encompass operating system for mortgage operations. including new design and features.
- Collaborated with cross-functional teams within the organization such as Sales, Mortgage ops Support, and Compliance on initiatives related to mortgages
- Maintained open communication with team members and stakeholders, resulting in successful project outcomes
- Ensured all regulatory requirements were met in order to maintain compliance with state and federal laws
- Analyzed weekly and monthly reporting stats for mortgage operations team.
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
Assistant Processing Manager - Residential Mortgage
Boston Private Bank
11.2019 - 05.2022
- Trained new employees on policies and procedures related to the mortgage industry
- Monitored loan processing teams weekly pipelines to ensure closing timelines were being met
- Ensured all regulatory requirements were met in order to maintain compliance with state and federal laws
- Developed and implemented processes for Disclosure Desk to improve operational efficiency, accuracy, and compliance with regulations
- Assisted in creating job aids and procedures for team members.
- Analyzed and compiled mortgage ops team data to continuously optimize processes.
- Promoted safe working practices to maintain compliance with established policies and procedures.
- Fostered a culture of accountability, setting clear expectations for team members that led to improved performance metrics over time.
- Successfully managed team of 15 staff, providing assistance and answering questions.
Account Executive/Loan Processor - Residential Mortgage
Boston Private Bank
12.2013 - 11.2019
- Managed loans from application to submission to closing by coordinating file movements between underwriter, mortgage lender and closing parties
- Ensuring all TRID requirements are met on loan applications
- Reviewed client documentation and contracts for discrepancies and mistakes
- Reviewed Appraisal and Title documentation for accuracy and errors.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers
- Performed detailed calculations to verify income, assets, liabilities, and other data provided by applicants
- Adhered strictly to company policies when completing tasks associated with loan processing duties
- Monitored progress of each loan application from start to finish ensuring timely completion.
Mortgage Loan Coordinator
Bank Of America
03.2008 - 05.2012
- Facilitated clear communication between borrowers, underwriters, and other stakeholders to resolve issues quickly and efficiently.
- Provided ongoing support for clients throughout the loan application process, addressing concerns promptly to maintain satisfaction levels.
- Worked proactively to identify potential roadblocks in the mortgage approval process, providing alternative solutions when necessary.
- Reduced loan processing time by prioritizing tasks and communicating effectively with team members.
- Developed comprehensive reports tracking mortgage pipeline activity for upper management review.
- Exceeded performance expectations consistently while meeting deadlines within a fast-paced work environment.
- Collaborated closely with underwriters to expedite decision-making on complex mortgage loans.
- Coordinated closely with title companies, appraisers, inspectors, insurance agents, attorneys-ensuring smooth transactional flow from start to finish.
- Managed a high volume of mortgage loan applications, ensuring timely processing and approval.
Education
Skills
- Data Analytics
- Process monitoring and Improvement
- Staff Management
- Policy and regulation Enforcement
- Training and Mentoring
- Goal-Oriented
- Processes and Procedures
- Complex Problem-Solving
References
References available upon request.
Timeline
Manager/ Supervisor - Mortgage Operations
Silicon Valley Bank- Div. Of First Citizens Bank
03.2023 - 01.2024
Manager/ Supervisor - Mortgage Operations
Boston Private Bank / Div Of Silicon Valley Bank
05.2022 - 03.2023
Assistant Processing Manager - Residential Mortgage
Boston Private Bank
11.2019 - 05.2022
Account Executive/Loan Processor - Residential Mortgage
Boston Private Bank
12.2013 - 11.2019
Mortgage Loan Coordinator
Bank Of America
03.2008 - 05.2012
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