Garrett Mezzetti

Analyst, Banking

Hello, My name is Garrett J. Mezzetti and I'm currently working at First Commons Bank as a Credit Specialist

Garrett Mezzetti's Bio:

Garrett Mezzetti's Experience:

• Loan Analyst at Meetinghouse Bank

  February 2013 - February 2014 | Boston, MA

  Utilized advanced analysis skills, successful risk management, accurate asset valuation models and advanced cash flow analyses to maintain a loan purchase rate of 100% with no buybacks, increasing overall secondary market purchase rate. |---------| While independently operating a $5,000,000 - $10,000,000 pipeline of loans, I have greatly improved my time-management and organization skills by efficiently coordinating every phase of the loan process while adhering to strict deadlines. |----------| Increased Q2 net income by 14% through a comprehensive analysis of funding reconciliations. |----------| The daily responsibilities of this position, where I evaluate and assess each loan's viability and adherence to strict FNMA, FHLMC, FHA, and secondary market guidelines, have allowed me to significantly strengthen and reinforce my analytical skills. The sharpening of these skills matched with my ability to quickly learn and understand new concepts has allowed me to advance from processing loans to underwriting loans in less than 6 months. |-----------| Due to the un-compartmentalized nature of this community bank, I am in a unique position to expand my knowledge of the residential/commercial lending and secondary market investing processes on a broader level. This has allowed me to gain a comprehensive understanding, as well as extensive experience, with how a loan is originated, disclosed, processed, underwritten, closed, QC/audited and sold to secondary market investors.

• Assistant Loan Analyst at Salem Five Mortgage Company

  July 2012 - February 2013

  - Worked as part of a team in a fast paced, high-volume environment where I assisted in processing and closing an average of 16 loans per week, grossing an average of $17 million per month. - Acquired extensive analytical skills while supporting the verification process and ensuring all aspects of the loan adhered to strict FNMA/FHLMC/FHA guidelines. - Further developed my time-management and multi-tasking skills by actively working a 100+ loan pipeline and independently completing my day to day tasks all while continuing to meet strict deadlines set by rate locks and P&S contracts. - Built on my foundation of leadership and communication skills as the primary trainer of new assistants, demonstrating how to efficiently and effectively manage their time.

• Rental Agent at Warren Rentals

  June 2011 - July 2012

  - Enhanced my research and analysis skills by compiling extensive Boston housing market data into presentations to update new clients of their potential options. - Improved and developed valuable contract negotiation skills while bartering deals between clients and landlords.

• Management Support / Service Team Leader at The Cheesecake Factory

  April 2010 - July 2012

  - Quickly advanced to Server Trainer and then a Management support position. - As management support, assisted in the successful daily running of the kitchen in a high-volume, thriving restaurant that grosses $5-$10 million annually.

• Leasing and Sales Specialist at Park Realty Group

  September 2009 - April 2010

  - Learned the complexities of the Boston Real estate market at a newly established real estate firm, quickly thriving as a new agent. - Independently marketed my services through a wide-array of advertising instruments.

• Account/Data Analyst at Local Leaders, LLC

  January 2009 - September 2009

  - Developed a data services product for an online newsletter. - Successfully implemented sales and marketing strategies for data service while maintaining client databases and managing client relations.

• Research Analyst at MetroWest Economic Research Center

  September 2006 - January 2009

  Established and implemented a housing market research module that tracked and analyzed local housing market data for weekly updates and reports. Editor and writer for the MERC quarterly newsletter

Garrett Mezzetti's Education:

• Framingham State University

  2004 – 2008
  Bachelor of Arts