NIcholas Mercurio

**** **** ******

San Antonio, TX 78254

Cell: 210-***-****

Email: ad1ztw@r.postjobfree.com

Employment Objective Professional: responsible and reliable worker seeking a secure position with a company that values performance.

HIGHLIGHTS OF QUALIFICATIONS:

● Over 20 years Mortgage Experience in Sales, Underwriting, and Customer Service.

● Over 20 years Credit Analysis Experience

● Over 10 years management experience

● Ability to work in a fast paced environment.

● Proficient working with Freddie Mac, Fannie Mae, FHA, VA, USDA and Private Investors.

● Experience in Compliance, Underwriting, Processing, Originating, and Loss Mitigation as well as proven ability working with deadlines.

● Superior Customer Service skills, and Communication skills, with proven ability to Multi-task and Follow-up skills.

● Fraud investigation and research, filing UAR's and SAR's following up on red flags.

● Ability to work with other peers, and leaders on complex issues to help improve workflow process.

● Proven ability meeting timelines, and lead issues to Resolutions.

● Delegation of Authority -Level C

TECHNICAL SKILLS:

● MSP (Fidelity, AFLN, HOST, ACLS, & CPI)

● Microsoft Office (Word, Excel, Access, Power Point, Outlook)

● LIV, HSSN, WPII, VALERI, GEM, NACA

● Clara

● Various investor software

WORK EXPERIENCE:

Lending Manager, Wells Fargo Home Mortgage, S.A., TX (2014-present)

● 10 years Credit Risk Underwriting experience.

● Proficient with policy for Freddie Mac, Fannie Mae, FHA, VA, USDA and Bank & Private Investors.

● Excellent Verbal, written and interpersonal Communication skills.

● Strong Knowledge of Mortgage Default process including Foreclosure and Bankruptcy.

● Proven ability to Manage, Coach and Develop team members, as well as remotely.

● Manage relationships and provide support for business partners.

● Effective Organizational, Multi-tasking, and Prioritize Work and meet deadlines in a fast moving environment.

● Strong Customer Service, and analytical skills.

● Collaborate and communicate with all levels of leadership.

● Ability to Drive and Lead Organizational change in dynamic department

● Lead NACA and HPW and other third party events.

Underwriter, Wells Fargo Home Mortgage, S.A., TX (2009-2013)

● Strong Customer Service, and analytical skills.

● Fraud investigation filing

SAR and UAR

● Assist in Subprime Mortgage Crisis from 2009-2013 with borrowers face-to-face In areas of the US that were hit the hardest to provide retention options to avoid foreclosure.

● Assist in Hurricane Relief with borrowers face-to-face at mobile locations near Disaster areas to provide mortgage payment options and alternatives

● Experienced in processing/underwriting the following types of mortgage loans:

- Freddie Mac C delegated

- Fannie Mae C delegated

- Bank & Private

- Mortgage Backed Secured

- FHA/VA insured loans C delegated

- Active Bankruptcy files all investors

Manager, US Mortgage, Woburn, MA (June 2006-December 2008)

● Managed monthly budgets, payroll and paid vendors.

● One of three partners involved in the start-up of an independent net branch of US Mortgage, with Pipeline Management Skills.

● Hired, trained, and supervised staff of up to 20 in sales, processing, compliance, lending, underwriting, product development, and presentation.

● Developed and executed business strategies to achieve company sales objectives.

● Experience building and maintaining relationships with customers, clients and colleagues..

● Customer service focus-understanding customer needs.

● Utilized various assessment tools, and forecasting models to review and directly manage the goals and quotas of team of employees.

Sales Manager, Northeast Lending LLC, Burlington, MA (January 2004-May 2006)

● Worked as a team leader to maximize the sales goals for office.

● Effective organizational, multi-tasking and prioritizing skills.

● Hired, trained, and managed a staff of approximately 50-60 employees.

● Worked in a high paced sales oriented environment.

● Implemented a Customer Loyalty Program that helped increase referral business by 30%-40%.

● Experience in business to business sales.

● Experience in handling and resolving complex customer issues. Loan Officer, Centex Home Equity, Burlington, MA (September 1998-December 2003)

● Responsible for the daily sales of all mortgage products to customers via telephone and in person.

● Commercial and Residential Sales Experience

● Business to Business experience.

● Strong Sales ability.

● Excellent Customer relationship skills.

● Assisted and Mentored co-workers with managing their pipelines, and building a referral base.

● Worked effectively in a team environment.

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