VALERIE TOMASO
Newport,RI
Summary
Dependable professional with track record of success in all areas, attention to detail and proactive mindset. Seeks
opportunities to improve processes and workflows for team benefit. Conscientious, hardworking, problem solver and
excels at multitasking in fast-paced environments. Successfully works as part of team to reach personal and business
goals. Known for successfully handling escalated customer support issues and complex income and credit analysis.
Providing effective and comprehensive service to include; sales, networking, processing, underwriting, compliance
monitoring, financial analysis and customer service experience.
With over 20 years of experience in residential lending sales and operations/underwriting. Extensive real estate knowledge
and success in client education. Adept at mathematical accuracy and following financial regulations. Creative in decision
making, while careful in taking conservative risks to increase sales and customer retention. I maintain the highest degree
of integrity, supported by a flawless record of maintaining confidentiality. Adaptable to changing situations, has
meticulous attention to detail and the ability to multitask. I work well independently or in a team environment .
Overview
28
28
years of professional experience
Work History
Loan Partner
Prestige Home Mortgage
Northborough, MA
06.2018 - Current
- Network with business partners: such as financial advisors, attorneys, certified public accountants, realtors and insurance agents to develop new business opportunities
- Consulted with borrowers to ensure the best loan product match to meet their needs and financial circumstances based upon income, assets, credit history and collateral
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Consulted with outside vendors to identify and resolve loan closing issues
- Evaluate and diagnose financial plan for clients (short term / long term goal
- Daily management of CRM Software tools
- Plan and direct seminars – such as first time home buying seminars and credit repair
- Used critical thinking to break down problems, evaluate solutions and make decisions
- Comprehensive knowledge of underwriting guidelines and restrictions for FHA , VA, USDA, Conventional loan programs for both conforming and non-conforming loan programs.
Senior Mortgage Underwriter/Compliance Specialist
Main Street Bank
Marlboro, MA
10.2015 - 06.2018
- Evaluate and approve the financial strength of borrowers to determine risk and repayment capacity to meet Fannie and Freddie guidelines
- Expertise in Conventional, FHA, VA & Fannie Mae Loans
- Reviewed and analyzed loan applicants' credit histories, corporate and personal financial statements as well as income, employment and asset documentation
- Mortgage underwriter known for strengths in risk assessment, income/credit analysis and documentation review
- Consistently commended for the timely and accurate completion of compliant loan packages facilitating volume growth while preserving book-of-business quality
- Daily management of Customer relations management software tools
- Strategically planned and managed Compliance process improvements for HMDA
Senior Mortgage Processor
Digital Federal Credit Union
Marlboro, MA
08.2012 - 10.2015
- Reviewed and validated details of loan applications and closing documentation
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Collects all conditions from customer and prepare documentation for underwriting
- Cross sells all other credit union products to include; financial investments, checking, bill pay and direct deposit
- Set up, stored and updated customer files, department records and regulatory paperwork
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Filed completed loan applications with underwriting and made approval or denial recommendations
- Consulted with outside vendors to identify and resolve loan closing issues
- Maintained strict confidentiality of bank records and client information
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
Senior Mortgage Specialist
East West Mortgage
Marlboro, MA
08.2009 - 10.2012
- Answered high volume incoming calls and provided highest level of professionalism and knowledgeable service to every customer.
- Helped clients fill out loan applications and find ideal loan options.
- Gathered client debt, credit and income information to determine loan eligibility.
- Informed customers of application deadlines, approvals and denials.
- Educated customers regarding actions and strategies for debt repayment.
- Kept detailed records regarding approved, denied and received loan applications.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Stayed abreast of lending regulations, industry trends and market rates.
Senior LoanConsultant
Grade One Fianncial
Milford, Ma
09.2006 - 08.2009
- Formed strong relationships with realtors and financial advisors and insurance reps while strengthening business ties
- Originated and Processed all phases of loan application
- Supervised first time home buying seminars
- Responsible for the training of all incoming loan consultants
- Prepare loan for the closing department
- Ensured superior customer service practices to maintain a repeat clientele.
Loan Conusltant
Prime Financial/United Funding Corp
Milford , MA
03.2001 - 08.2006
- Developed and maintained relationships with local real estate agents.
- Gathered client debt, credit and income information to determine loan eligibility.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Helped clients fill out loan applications and find ideal loan options.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Ensured Superior customer service practices to maintain a repeat clientele
Customer Service Representative/Accounting Clerk
NSTAR Gas & Electric
Southborough, MA
09.1995 - 03.2001
- Answered high volume incoming calls and emails, providing frontline customer support or assistance with product and service transactions.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Commended for initiative, persuasiveness,intense customer focus, dependability in performance evaluations
- Demonstrated excellent communication skills in resolving product and consumer complaints.
- Consulted with customers to resolve service and billing issues.
- Set up and activated customer accounts.
- Asked probing questions to determine service needs and accurately input information into electronic systems.
- Fielded customer complaints and queries, fast-tracking for problem resolution.
- Improved customer service wait times to mitigate complaints.
- Managed Special Projects within the department
- Reconciled all invoices for billing department
- Responsible for payroll for all outside contractors
Education
NMLS # 175486
Skills
- Sales Development
- Networking and Partnership
- Customer Interaction
- Client Relationship Management
- Networking and Partnership
- Risk Assessment
- Regulatory Compliance
- Loan Restructuring
- Customer Data Confidentiality
- Document Analysis
- Financial Analysis
- Creative Problem Solving
- Multitasking and Prioritization
- Issue and Complaint Resolution
- Customer Account Management
- CRM Software
- Senior Leadership Support
Quote
Far and away the best prize that life offers is the chance to work hard at work worth doing.
Theodore Roosevelt
Timeline
Loan Partner
Prestige Home Mortgage
06.2018 - Current
Senior Mortgage Underwriter/Compliance Specialist
Main Street Bank
10.2015 - 06.2018
Senior Mortgage Processor
Digital Federal Credit Union
08.2012 - 10.2015
Senior Mortgage Specialist
East West Mortgage
08.2009 - 10.2012
Senior LoanConsultant
Grade One Fianncial
09.2006 - 08.2009
Loan Conusltant
Prime Financial/United Funding Corp
03.2001 - 08.2006
Customer Service Representative/Accounting Clerk
NSTAR Gas & Electric
09.1995 - 03.2001
NMLS # 175486
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