Anthony Tocco Email & Phone Number

Shelby, Michigan

Rochester, Michigan

• Maintain current and thorough knowledge of all lending programs, policies, procedures and regulatory requirements• Identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities• Ability to analyze and comprehend complex financial data and provide financial alternatives• Work with Mortgage Loan Coordinators, Mortgage Loan Associates, Sales Assistant’s and directly with Fulfillment to ensure that loan docs are submitted and loan conditions are met• Collect supporting loan documentation as required and provide complete package to underwriting• Interview with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise customers of product/pricing policies and guidelines, and gather any additional required information• Ensure exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners• Develop Business Referral Network through marketing, cold-calling, prospecting and networking activities• Strong computer skills including a fundamental understanding of MS applications, database management and previous experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information• Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences

Troy, Michigan

• Managed the efforts of Branch employees in providing a high level of customer service, including management of the rental counter, customer flow, and telephone service, as well as training by example• Managed overall operations in absence of and/or request of Branch Manager• Developed and maintained Branch operational plan• Used initiative, independent judgment, discretion, and decisions-making skills to perform a variety of duties and solve problems. Some examples include: approving rate deviation, approving extensions of rental tickets without deposit or where customer is delinquent, determining when to retrieve cars if customers are overdue, approving cash deposits and unusual credit card and rental request, and approving write-offs • Supervised, mentored, trained, coached, evaluated and developed staff• Prepared effective and timely employee reviews and participate in review process• Developed, planned and actively participated in branch sales and marketing efforts to increase and improve business• Managed branch receivables, including negotiating payment plans, collecting difficult account receivables, preparing write-offs for uncollectible accounts• Trained, motivated and coached employees to coach employees to increase branch sales by understanding , communicating, using the 4-steps sales process to promote and sell optional protection products, vehicle features and benefits• Provided continual feedback regarding employee performance; meet with personnel to monitor sales goals and overall performance• Evaluated fleet mix and utilization • Managed vehicle maintenance and repairs, including preventative maintenance, recalls, breakdowns and accident damage

Southfield, Michigan

• Consulted with clients about their current and future needs to help them achieve their financial goals and advise them on their largest financial goals• Interacted with title companies on a daily basis to order title work for properties• Re-sold loans to clients at better rates who switched over from competitors • Established an ongoing financial services relationship with clients through the delivery of world-class service• Evaluated various loan programs and affordable financing options from a broad range of Quicken Loans home loan products• Used state-of-the-art technologies to conduct credit, underwriting and financial analyses and qualify the client for various loan programs• Assisted clients through the loan process from application to closing and troubleshoot any transaction issues

Southfield, Mi

• Effectively recruited Professionals in a time-sensitive environmento Developed and implemented effective recruiting strategies in order to attract, screen, recruit, and select high quality candidateso Built a qualified pool of candidates through: Internet research, using sites such as Monster, CareerBuilder and Dice, internal database, referrals, networking, and other strategieso Utilized Adapt and Taleo recruiting systems to record, track and monitor candidates on a daily basiso Searched, qualified, and diligently matched candidates to submit to requirements from Fortune 500 companies such as Ford Motor Company, Blue Cross Blue Shield, Comerica Bank, Thyssen Krupp, First Solar, Credit Acceptance and Accident Fundo Interviewed, screened and arranged technical interviews for candidates with respective BDM• Independently transferred database of 1,500+ candidates and information during transition of recruitment database from Adapt to Taleo