Customer Service Manager
Resume:
Rosario Marano
Little Falls, NJ 07424
H: 973-***-****
C: 201-***-****
email: *************@*****.***
PROFESSIONAL EXPERIENCE:
VALLEY NATIONAL BANK - WAYNE, NJ (2008 - Present)
Foreclosure / Loan Workout Officer
* Managed portfolio of non-performing bank loans/real estate
owned, including Fannie Mae and Freddie Mac.
* Drafted repayment plans and forbearance agreements and short
sale proposals.
* Prepared weekly and monthly foreclosure reports, REO reports and
Sheriff Sale reports.
* Ordered property appraisals and recommended write downs and
negative equity properties.
* Excellent verbal and oral communication skills with attorneys
and Borrowers.
COUNTRYWIDE HOME LOANS - ROSELAND, NJ (2005-2007)
Underwriter Associate
* Reviewed and cleared underwriting conditions in a wholesale
lending environment.
* Ordered and reviewed appraisals, credit reports, pmi insurance,
scheduled loan closings.
* Microsoft Outlook, Excell and WORD experience in communicating
with coworkers and third parties.
* Excellent customer service and rapport with Account Executives,
Mortgage Brokers and coworkers.
* Cross selling of financial products to mortgage business
partners.
TEMPORARY ASSIGNMENTS
REMEDY FINANCIAL - PARAMUS, NJ (6/04 - 8/04)
Contract Underwriter (Interchange Bank, Saddle Brook, NJ)
* Reviewed Mortgage and Consumer Credit applications for
completeness and accuracy.
* Decisioned loans based on debt and LTV ratios, appraisal and
supporting documentation.
Asset Management Specialist (Spencer Savings Bank, Elmwood Park,
NJ) (8/04-10/04)
* Managed portfolio of non-performing loans including commercial
property inspections.
* Completion of detailed inspection reports to management.
KEYBANK USA, N.A - PARSIPPANY, NJ (2003 - 2004)
Senior Mortgage Underwriter
* Underwrote first and second mortgages (wholesale/retail).
* Computed debt ratios and LTV as well as appraisal reviews in
accordance with company policy.
* Familiar with Uniform, DU, LOS Underwriting Software Programs.
* Excellent customer service and rapport with Account Executives,
Mortgage Brokers and coworkers.
* Cross selling of financial products to customers and brokers.
* Knowledgeable in Federal/state regulations including EEOC, ECOA
and Regulation Z.
Rosario Marano
Page 2
CHAMPION MORTGAGE - PARSIPPANY, NJ (2001 - 2003)
Foreclosure/Bankruptcy Specialist
* Managed the foreclosure and bankruptcy process of first and
second mortgages nationwide, including Judicial and Non-Judicial
proceedings.
* Familiar with loan documents including but not limited to
Applications, Notes, Mortgages, Deeds of Trust, RESPA
Statements, Truth in Lending, Credit Reports, Appraisals, etc.
* Excellent customer service and rapport with borrowers in
restoring their confidence in curing their defaulted loans.
* Documented all foreclosure actions on daily spreadsheets and
presented to management.
* Extensive email correspondence with foreclosure attorneys in
providing them with payoff/reinstatement figures.
* Reviewed tax and title searches to determine lien position.
PRIME REALTY - CLIFTON, NJ (1996- Present)
Rental Agent
* Experience in residential leasing of apartments and 1-4 family
properties.
* Prepared short and long term residential leases.
* Prequalified prospective clients via credit investigations.
* Negotiated lease rates, terms and conditions between client and
landlord.
EDUCATION:
MONTCLAIR STATE UNIVERSITY, UPPER MONTCLAIR, NJ
M.A. Degree, Administration & Supervision
B.A. Degree, Industrial Studies
COLDWELL BANKER SCHLOTT REAL ESTATE SCHOOL (1995)
Licensed NJ Real Estate Salesperson (1996)
OTHER QUALIFICATIONS:
AUTHOR: How To Save Your Home From Foreclosure, Copyright 1998,
RJM Marketing
INVENTOR: The ERGO-FILER, Patent Pending Revolving Desktop
Organizer
REFERENCES:
Dale Mysiuk, former Branch Manager, Countrywide Home Loans, 516-
521-2785
Daniel Glaskey, former Area Sales Manager, Countrywide Home
Loans, 908-***-****
Bob Messineo, Underwriting Manager, Keybank USA, NA, 201-563-
1756
Graham Jones, Jones and Jones, Esqs., 201-***-****
Michael Fatovic, AVP, Spencer Savings Bank, 201-***-****
Sean Brennan, Account Executive, Countrywide Home Loans, 201-317-
3235
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