1. MARY MASSUCCI
6533 E Jefferson Ave, Unit 410. ▪ Detroit, MI 48207
Phone: (305) 494-1974
E-mail: Massucci23@gmail.com
QUALIFICATIONS SUMMARY
Accomplished Mortgage Loan Professional (Financial Services Professional) with 19 years of progressive experience within the financial industry.
Strong managerial, evaluation and interpersonal skills with proven leadership ability, which generates results among team members. Proven ability to
contribute in a high-paced, changing work environment with the ability to prioritize multiple tasks. Works effectively to accomplish company objectives
both working independently and/or leading a team.
CORE COMPETENCIES
▪ MORTGAGE LOAN UNDERWRITING & PROCESSING ▪ MORTGAGE DOCUMENT ANALYSIS ▪ CREDIT ANALYSIS
▪ GOAL ORIENTED ▪ ABILITY TO TAKE INITIATIVE/BUILD STRONG RELATIONSHIPS ▪ TEAM MANAGEMENT
▪ COMMUNICATION SKILLS ▪ ATTENTION TO DETAIL ▪ COMPLEX PROBLEM SOLVING
PROFESSIONAL EXPERIENCE
Ross Mortgage, Troy, Michigan 2014 - Present
Senior Underwriter
 Analyze credit, collateral and capacity; Review investor overlays for every file to ensure within guidelines
 Perform necessary credit analysis, due diligence, review of all documents for new transactions and monitor/manage ongoing performance/risk of accounts
within portfolio
 Recognized for good credit knowledge, policy expertise and analytical abilities, including calculating income, analyzing debt and assets and
completing and review of appraisals and titles
 Enter customer data into the loan operating system, utilizing an automated underwriting system and applying manual underwriting skills for approval and
conditions for Final Approval
JP Morgan Chase Bank, Troy, Michigan 2010 – 2014
MB Underwriter/Senior Loan Processor
 Perform necessary credit analysis, due diligence, review of all documents for new transactions and monitor/manage ongoing performance/risk of accounts
within portfolio
 Enter customer data into the loan operating system, utilizing an automated underwriting system and applying manual underwriting skills for approval and
conditions for Final Approval
 Recognized for good credit knowledge, policy expertise and analytical abilities, including calculating income, analyzing debt and assets and
completing and review of appraisals and titles
 Achieved Top Tier of Underwriters at Chase; Ranked Top 2% nationwide in May 2013.
 Processed FHA and Conventional purchase mortgage loans in a paperless environment. Also trained new employees improving team productivity and quality
 Reviewed loans for accuracy, verifying all information including income calculations, credit history and assets for submission to underwriting. Ensured all
necessary documentation was received; Ordered all services from third party vendors to clear conditions on files until ready to close
 Maintained frequent contact with borrowers and realtors on a weekly basis to ensure a smoother transaction and exceptional customer service from processing
through closing; Set up closing with all parties and prepared files for closing department
Shore Mortgage, Birmingham, MI 2008 – 2010
Underwriter II
 Processed and underwrote FHA, VA and Conventional mortgage loans
 Managed and organized files from concept to closing
 Ordered all verifications, calculated income, debt ratios, DU the file and submit conditions until clear for closing
 Organized preliminary HUD loans and uploaded all information to prepare loan for closing
Everest Financial, Coral Gables, FL 2007
Senior Loan Processor
 Processed residential/commercial mortgage loans from origination to closing
 Reviewed DU/LP loans and researched pricing for loans from various lenders to find the best program for our borrowers
 Researched and prepared each file prior to submitting it to the lender and clear all file conditions for closing. Order title, VOM, payoff, insurance updates and
set up the closing
 Handle the tracking of all loans for the office and review the other processors pipelines to ensure compliance and customer satisfaction
Accredited Home Loans/AAMES Home, Ft. Lauderdale, FL 2005 – 2007
Loan Account Manager/Senior Loan Processor
 Processed mortgage pipeline for Account Executives from initial underwriting and working file to preparing documents for closing
 Received Employee of the Month for September 2005 for outstanding work performance
Washington Mutual Bank, Miami, FL 2002 – 2004
Assistant Financial Center Manager/Branch Loan Manager
 Managed the daily bank operations including loans, branch sales and business development
for the office. This included the consumer and residential loan goals and ensured that the goals for origination and funding were exceeded.
 Developed and mentored a staff of 17 to grow in their own career paths.
 Audited all loan files for the office. In my first three months in this position. I turned around loans that closed from $10,000 to $1M each month.
 Worked with the sales staff in developing quarterly reviews and set up action plans to increase sales in areas that were not on target to achieve the company’s
yearend goals.
 Audited compliance for the office daily and balanced the teller over/short general ledger.
EDUCATION
Michigan State University, East Lansing, MI
 Bachelor of Arts in Family & Consumer Resources
ADDITIONAL/TECHNICAL SKILLS
▪ Underwrite/Process/Close Conventional/Government/Reverse Mortgage Loans
▪ DU/LP/Zippy Automated Underwriting ▪ Mortagage Software – Encompass/Genesis/Calyx
▪ Microsoft: Word, Excel, Access, Outlook, PowerPoint, Office Suite