Anthony Ruzylo Email and Phone Number

• Evaluated credit worthiness by taking and submitting TRID compliant Loan applications • Assessed customer needs and goals to explore all available retail product options to maximize client's goals and financial position • Communicated with processors and underwriters to review status and documentation needed to help manage client expectations throughout the loan approval process; Continually achieved high levels of customer service • Directed and guided customers through eSign and Encompass portals to receive, sign and upload loan documentation to remain TRID compliant

• Consistently finished within the top 10 in the district for new car sales• Developed sales strategies to achieve management goals and quotas.• Assisted in training established sales consultants to this company’s culture, paperwork and closing techniques• Ensured compliance with Mazda USA on all testing, product knowledge and steps/stages including sales staff, finance and managers• Responsible for the dealership achieving top tier certification above corporate guidelines with a 100% certification• Responsible for the dealership achieving Gold status for Corporate certification, achieved Elite Master Sales Certification with Mazda within 10 months

• Reviewed loan packages for completeness; obtains supporting documentation for credit evaluation and subsequent processing and closing• Reviewed documents submitted in conjunction with loan applications, ensure compliance with lender and investor requirements• Acted as liaison with Borrowers, real estate agents/brokers, builders/developers, title companies, investors, loan counselors/management and coworkers to facilitate a prompt, efficient closing of each loan

• Utilized underwriting product knowledge to match customer needs with appropriate mortgage product with Conventional, FHA and VA products• Ran loans through automated underwriting system, order appraisals, title and coordinate loan underwriting and closing through operations center• Developed outside loan referral sources with builders and real estate agents

• Experienced in originating conventional, FHA, and VA, mortgages• Originated Fannie and Freddie HASP Modification Refinances• Set up loan modification and debt consolidation program for customers who could not qualify through regular refinance programs• Experience originating modifications for outside Investors

• Consistently finished in the top 10 of the division• Funded $23,000,000 in prime and AltA loans from March through December while maintaining a 20% conversion ratio• Analyzed detailed financial/credit data, matching customer wants and needs with appropriate loan programs• Established exceptional rapport with customers from diverse backgrounds