Dynamic professional with extensive experience increasing profit volumes and accelerating productivity for various multi-million and multi-billion dollar financial, mortgage, and real estate companies. Maximize all aspects of operational performance, analyzing pipelines, portfolios, clients, and finances. Overcome complex obstacles, instituting revolutionary plans for improvement. Identify lucrative opportunities and minimize losses, executing advanced expertise in financial, staff, and business relationship management. Compose effective policies and procedures, exercising comprehensive knowledge of state, federal, and corporate regulations. Build strategic internal and external relationships. Hire, train, and lead high-impact teams, achieving and exceeding objectives. Leadership · Complex Lending & Financing Resolutions · Regulatory Compliance · Team Building Strategic Planning · Policy & Procedure Design · Performance Improvement · Portfolio Auditing Business Development · Relationship Management · Cost & Loss Reduction · Presentations

COMPANY	POSITION HELD	DATES WORKED
(Confidential)	(Confidential)	5/2006 - Present

SCHOOL	MAJOR	YEAR	DEGREE
SUNY@ Stony Brook NY	Secondary Education	1981	Associate Degree

Highlights:

PROFESSIONAL EXPERIENCE J.P. MORGAN CHASE BANK & CO., Garden City, New York · 2006 – Present Operations Manager – Wholesale Lending Division Direct and lead all aspects of daily operations for the Northeast New York Regional Operations Center of a leading multi-billion dollar global financial institution. Review and analyze 100s of loan pipeline reports and requests. Authorize loans. Resolve complex financing issues. Interface with external clients including bankers, mortgage brokers, and attorneys. Chair daily staff meetings, identifying objectives. Conduct daily audits on 10% of total loan portfolio, ensuring adherence to company guidelines, compliance regulations and standards. Hire, train, discipline, and manage 22 employees in underwriting, loan processing, closing, funding, post closing, compliance, and data entry positions. Oversee 2 supervisors. Major Contributions and Highlights: ·Authorized and closed $480M in loans in 1-month, setting records for largest dollar volume 3 out of 15-months; exceeded previous year by $180M. ·Increased productivity and loan volume 2-fold, raising daily closed loans from 48 to 90; identified staff weaknesses, motivating and re-training numerous employees. ·Improved performance and bottom-lines, enhancing operational procedures and compliance mandates; structured and defined responsibilities, creating standardized practices for each role. ·Rejuvenated ailing company reputation with clients, increasing responsiveness and turn-around times for underwriting, closing, and funding practices. ·Recognized as most cost effective and efficient staff in region, exceeding industry averages. AMERICAN HOME MORTGAGE, Melville, New York · 2002 – 2006 Operations Section Manager – Correspondent Lending Division · 2005 – 2006 Headed all aspects of daily operations for national mortgage brokerage firm, ranking in Top 10 countrywide with up to $1.2B in monthly assets. Approved investor loan purchases and underwriting exceptions. Defined closing, funding and compliance standards. Evaluated over 150 pipeline reports. Allocated assignments and responsibilities. Monitored workflow, implementing performance improvement initiatives and resolving issues. Managed client relationships. Provided on-going training and mentoring for all levels of staff. Supervised 25 employees. Major Contributions and Highlights: ·Appointed as of 1 of 6 managers to lead start-up operations for new business line. ·Generated numerous clients for new division. ·Hired and trained high-impact team, recognized as best in division; consistently achieved and exceeded volume production expectations. ·Acted as Troubleshooter, resolving complex origination issues. STEVEN J. PERTUSATI · Page 2 · spertusati@aol.com (AMERICAN HOME MORTGAGE, Melville, New York · 2002 – 2006, cont.) Post Closing Auditor & Policies and Procedures Analyst · 2002 – 2005 Performed 20 daily audits on closed loan files for Loan Sales department, ensuring complete adherence to investor guidelines. Prepared loans for secondary market sales to major institutional investors. Ensured compliance to company standards and regulatory mandates. Managed 4 staff. Major Contributions and Highlights: ·Oversaw loan sales for key clients including Bear Sterns, CitiGroup, INDYMac, Credit Suisse, Wells Fargo, and Morgan Stanley, et al. ·Identified loan deficiencies, assigning proper staff to correct problems. ·Improved productivity, composing all regulatory compliance policies and procedures. ·Researched and resolved state-specific and federal compliance issues. GOLDEN NATIONAL MORTGAGE, Melville, New York · 1997 – 2002 Collections & Loss Mitigation Analyst Managed loan portfolio pipeline consisting of 5,000 loans, mitigating losses on non-performing loans for small mortgage firm originating and selling 12,000 loans in 10-states with $3.5B in assets. Initiated and oversaw collection activities, and bankruptcy and foreclosure proceedings. Determined borrowers’ credit worthiness, analyzing credit, income, and financial statements. Established and maintained strategic relationships with attorneys, real estate brokers, investors, and clients. Conducted “short sale” and “Deed-in-Lieu” processing. Aided loan servicing team with escrow, title matters, and projects. Resolved comprehensive loan issues. Major Contributions and Highlights: ·Minimized financial losses, negotiating with investors to save homes from foreclosure. ·Saved an average of 7 out of 10 homes from foreclosure, utilizing alternative methods including refinancing, repayment extensions, and original loan re-casting. ·Instrumental in establishing compliance procedures for federal and state lending regulations. ·Headed implementation of loss mitigation practices, complying with investor guidelines. CONTINENTAL CAPITAL CORPORATION, Huntington, New York · 1994 – 1997 Collections & Foreclosure Manager Authorized all collections, foreclosures, and mitigations for nonperforming loans for national mortgage banker with 32,000 loan portfolio and $10B in assets. Analyzed loan pipeline reports, identifying actions to minimize losses. Maintained client relationships with investors, providing advice on successful execution of loss mitigation practices. Chaired daily meetings with all management staff, recommending loan sale processes for under-performing loan portfolio. Supervised 5 staff. Major Contributions and Highlights: ·Reduced under-performing portfolio from over 10% of total loan portfolio to 3.5% in 1st 3-months; continued decrease resulted in consistent maintenance of less than 1.5%. ·Authored 1st policies and procedures manual on collections, foreclosure, and loss mitigation; adopted companywide as standard operating principles. ·Saved numerous homes from foreclosure, launching specific investor-backed loss mitigation. ·Identified critical staffing needs and trained entire staff in optimal credit procedures. NOTE: Additional professional experience includes current role as: Real Estate Sales Agent, DELUCA MAISTO PROPERTIES, Babylon, New York. Details on request. EDUCATION Secondary Education Training with a concentration in History State University of New York at Fredonia, Fredonia, New York State University of New York at Stony Brook, Stony Brook, New York PROFESSIONAL BUSINESS MEMBERSHIP Mortgage Bankers Association

P&L responsibilities
Presentation
Ecommerce Strategy and digital marketing channels optimization - SEO, SEM, email, affiliates - for high-profile accounts.
Technology Solutions
Sales Support
Software Implementation
Requirements Analysis & Specification
Leadership

Major Contributions and Highlights: ·Authorized and closed $480M in loans in 1-month, setting records for largest dollar volume 3 out of 15-months; exceeded previous year by $180M. ·Increased productivity and loan volume 2-fold, raising daily closed loans from 48 to 90; identified staff weaknesses, motivating and re-training numerous employees. ·Improved performance and bottom-lines, enhancing operational procedures and compliance mandates; structured and defined responsibilities, creating standardized practices for each role. ·Rejuvenated ailing company reputation with clients, increasing responsiveness and turn-around times for underwriting, closing, and funding practices. · Recognized as most cost effective and efficient staff in region, exceeding industry averages.