Retail Lending Executive and Compliance Leader
Resume:
Tracy Bartucca
*** *********** ***, **********, ** 02019 - 508-***-**** - ***********@*****.***
OBJECTIVE
Seeking a role in Retail Lending that utilizes my skills in underwriting complex loan files, managing correspondent lending relationships and ensuring full compliance with investor and regulatory guidelines.
Self-motivated, dependable, and multifaceted professional seeks career advancement within a highly respected financial organization that welcomes enthusiasm, initiative, and dedication. Exceptional ability to work independently in a fast-paced environment combined with terrific organization and outstanding communication skills.
AREAS OF EXPERTISE
Mortgage Compliance
Customer Service
Mortgage Underwriting
Lean Management
Staff Training
Administrative Coordination
Process Enhancement
Secondary Market
Guidelines
Product
Implementation
Team Leadership
Technology Usage
EDUCATION & TRAINING
University of Connecticut 9/1997 – 12/2001
Bachelor of Arts in Sociology
CAREER PATH
Main Street Bank/Marlborough Savings Bank
Vice President
Retail Lending Manager February 2024- October 2025
●Oversees, coaches, and supports the residential mortgage and consumer lending departments.
●Develops and manages the origination process of new residential and consumer loan accounts in accordance with the Bank’s established loan policy guidelines and regulations.
●Acted as primary liaison during audits to ensure compliance and successful outcomes.
●Develop policies and procedures to ensure area effectiveness and compliance.
●Prepares, reviews, and maintains loan procedures and documentation manual.
●Assists in the preparation of the departmental budget.
●Conceives, plans, and implements new business programs.
●Acts as the Bank’s MERS Officer responsible for filing quarterly attestations and the annual report.
● Recommends product pricing and development and negotiate contracts with investors/secondary market.
●Facilitated loan sales to correspondent lenders by ensuring complete and accurate documentation, resolving outstanding conditions, and preparing files for seamless purchase and delivery
●Reviewed and processed loan files through Desktop Underwriter (DU) and Loan Prospector (LP) to assess eligibility and ensure compliance with investor guidelines.
●Underwrote complex loan files for delivery to the secondary market, ensuring compliance with investor and portfolio guidelines for successful sale and retention.
Assistant Vice President
Retail Lending Operations Manager January 2019- February 2024
●Oversees, coaches, trains, and supports the origination, processing, underwriting, and closing of mortgage and HELOC loans.
●Interprets underwriting guidelines and keeps necessary parties informed relative to changes and updates, responding to inquiries to provide guidance and clarification.
●Maintain regulatory compliance including the disclosure of all loan files in accordance with RESPA, REG Z, ECOA, HMDA and other regulatory requirements for safety and soundness. Process each file by requesting third party services, which include but are not limited to: Credit, Title, Appraisal, Flood
●Responsible for the coordination of updates and ensuring compliance with regulatory changes. Communicate changes to the necessary staff and provide training when required.
●Plan, organize and supervise the workflow of mortgage and HELOC loans to achieve maximum productivity and pipeline management.
●Apply strategic skills to define and grow the business and manage business operations.
●Oversees the QC reviews on closed mortgage and HELOC loan files and the follow up on trailing documents.
●Monitor departmental procedures, making necessary changes to increase productivity and improve efficiencies – Communicating these changes to all stakeholders.
●Provides training and guidance to others in the department on new and existing processes.
Assistant Vice President
Consumer Lending Operations Manager August 2013- January 2019
●Origination, processing, underwriting and closing of consumer loans
●Provide support to borrowers and Branch personnel by initiating requests for appropriate information and documentation concerning the underwriting of the application.
●Render timely decisions in the borrower’s interest and in accordance with established bank policy, procedures and government regulations. Elevating areas of concern for resolution.
●Develop and maintain a complete knowledge of MSB’s consumer loan products, programs, loan policies and procedures making necessary changes to increase productivity and improve efficiencies – Communicating these changes to appropriate staff.
●Assist internal and external auditors and regulators with their respective engagements
●Develop and maintain a complete knowledge of MSB’s consumer loan products, programs, loan policies and procedures making necessary changes to increase productivity and improve efficiencies – Communicating these changes to appropriate staff.
●Plan, organize and supervise the workflow of consumer loans to achieve maximum productivity and pipeline management.
Assistant Vice President July 2012- August 2013
Branch Manager – Main Office
●Educate and motivate staff to ensure they are meeting expected levels of growth and development.
●Handle customer problems and complaints with ability to bring to full resolution.
●Work to attain internal performance objectives for branch office business volume, deposits, loan portfolios and quality of audit reports.
●Work with management to test, write and implement new procedures.
●Underwrite, approve and close unsecured loans within the established policies of the bank
●Knowledge of the loan products and processing procedures for mortgage and consumer loans
●Thorough understanding of bank policy and procedures as it relates to current role.
●Maintain knowledge and oversees compliance in relation to all branch policies and procedures
●Participate in outside events and sales calls to promote the bank and bring in new business.
●Selected as an implementation team member to build and educate staff on a new loan system. Offer continued support in this area.
Assistant Vice President March 2008- July 2012
Branch Manager – Southborough
Branch Officer January 2006-March 2008
Branch Manager -Sudbury Office
Assistant Branch Manager 2002- January 2006
Sudbury Office
Float Teller December 1998-2002
TECHNICAL PROFICIENCIES
●MS Office Suite Loan Writer Microsoft Teams
●COCC Sales Force Power PDF
●Encompass QuestSoft
REFERENCES AVAILABLE UPON REQUEST
Contact this candidate