Fort Mill, SC *****
*****@*********.*** Todd A. Coco
Summary Experienced 12 year professional in the wholesale
and retail mortgage industry. Can service many
company needs from managing multi million dollar
pipelines, to utilizing leadership, communication
and interpersonal skills. Works efficiently in a
fast paced environment while completing multiple
tasks. Transferable skills are not limited to
mortgage industry.
Experience 8/2010-Present Zenta Mortgage Services, LLC
Charlotte, NC
Underwriter
Responsible for review of income, property, &
credit analysis on conventional loan submissions
while managing daily pipeline.
Analyzing challenging loan packages to render sound
credit solutions.
Providing exemplary customer service to both
internal staff and external customers by explaining
credit decisions and offering alternative options
when needed on a daily basis.
Maintains quality and production standards as
defined by the business.
5/2009-8/2010
Underwriter Bank of America
Home Loans Charlotte,NC
Review and underwrite wholesale and retail loans
originated in the assigned regions, assuring
compliance with all credit policies and consumer
lending regulations.
Assures that all credit quality of the portfolio
remains within standards established by senior
management.
Review and approve conditions for compliance and
completion of loan file.
Maintains effective communication with clients
while providing excellent customer service daily.
1999-2009 Equifirst Corporation Charlotte, NC
Account Manager/Underwriter
Responsible for underwriting reworks on individual
pipeline as necessary for FHA approval while
maintained $500K loan underwriting authority.
Successfully managed top producing Account
Executive for three consecutive years averaging $15
million monthly, while maintaining <10% QC error
percentage with a 7 day average doc to close
timeline.
Mentored and supported new account managers while
maintaining own pipeline with little or no
supervision.
Education 1988-1992 Texas Tech University Lubbock, TX
B.S. Bachelor of Science
Majored in Hotel/Restaurant Management
References available upon request.