Vincent Tirabassi

Holbrook, Massachusetts ***** • 617-***-**** • ad3i2e@r.postjobfree.com

Professional Summary

Talented Mortgage Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Accomplished Loan Officer dependable in building customer base and exceeding business goals. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Organized Mortgage Loan Officer with 25 years of experience in Lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Accomplishments

EDUCATION

Business Management Business 05/1988

Mass Bay College

50 Oakland St

Wellesley Hills,Ma

Skills

Microsoft Office

Business Opportunity Development

Sales Development

Desktop Underwriter

Community Reinvestment Act

Government Lending

Desktop Underwriting Expertise

Pre-Approval Process

New Business Generation

Business Referral Management

Networking and Partnership Development

Mortgage Loan Origination

Loan Portfolio Growth

Work History

Senior Mortgage Loan Officer, 02/2022 to Current

Bay Coast Mortgage – 330 Swansea Mall Drive,Swansea,Ma 02777 Developed and implemented marketing campaigns to generate new business opportunities. Communicated with clients, processing teams and other third parties to achieve prompt loan closings.

Analyzed potential risks and evaluated loan products to identify suitable options for customers.

Followed up with clients on missing loan documents, providing guidance on best way to complete application process.

Proactively identified solutions for customers experiencing credit issues. Participated in industry events and conferences to build relationships and gain market intelligence.

Analyzed loan applications and credit reports to determine loan eligibility and risk level. Processed loan applications and monitored progress from start to finish. Developed and maintained relationships with customers, lenders and other third parties. Developed extensive network of referral partners to source new mortgage loan opportunities. Created strategies to develop and expand existing customer sales, resulting in increase in annual sales

Assessed loan portfolios for compliance with underwriting policies Communicated with clients, processing teams and other third parties to achieve prompt loan closings

Developed and implemented marketing campaigns to generate new business opportunities Negotiated loan terms and conditions with clients to maximize profitability Participated in industry events and conferences to build relationships and gain market intelligence

Analyzed loan applications and credit reports to determine loan eligibility and risk level Senior Mortgage Loan Officer, 03/2013 to 02/2022

South Shore Bank – 1010 Washington St Braintree,Ma 02184 Developed extensive network of referral partners to source new mortgage loan opportunities. Evaluated loan requests and documents to verify accuracy and completeness. Developed and maintained relationships with customers, lenders and other third parties. Explained very technical financial information to applicants in easy to understand language. Processed loan applications and monitored progress from start to finish. Approved loan applications based on customer creditworthiness and provided detailed financial advice.

Monitored pipelines to track and log status of loans. Assisted customers with completing loan applications and other paperwork. Monitored portfolio performance and provided clients with periodic updates on loan progress. Assisted clients in selecting correct loan product and terms to meet needs and financial goals. Explained different types of loans pertaining to client situations. Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.

Identified opportunities to cross-sell and upsell loan products to customers. Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.

Negotiated loan terms and conditions with clients to maximize profitability. Negotiated loan terms and conditions with customers to secure best deal. Participated in industry events and conferences to build relationships and gain market intelligence.

Assessed loan portfolios for compliance with underwriting policies Proactively identified solutions for customers experiencing credit issues Developed and implemented marketing campaigns to generate new business opportunities Developed extensive network of referral partners to source new mortgage loan opportunities Developed and maintained relationships with customers, lenders and other third parties Participated in industry events and conferences to build relationships and gain market intelligence

Analyzed loan applications and credit reports to determine loan eligibility and risk level Identified opportunities to cross-sell and upsell loan products to customers Explained very technical financial information to applicants in easy to understand language Business Banker, 04/2011 to 03/2013

Santander Bank Us – 300 Washington St

Prepared contracts and related documentation according to strict standards. Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.

Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives. Targeted accounts at senior and executive levels and secured funding for future initiatives. Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.

Offered competitive commercial banking solutions and retail financing options. Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.

Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.

Developed advanced product knowledge to share current information while generating and delivering products quotes.

Discussed financial options with clients and provided informed suggestions. Worked with borrowing clients to procure updated financial information on ongoing basis. Educated and worked with clients on ROI terms to find accurate solutions. Networked to identify potential new clients and expand geographic territories. Compiled and analyzed data to determine approaches to improve sales and performance. Worked with clients to develop financial planning strategies and solutions through evaluation of finances.

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