Accomplished financier with a proven record of success developing and driving business strategies to meet
long-term objectives with Financial Services and banking industries. Recognized for strong work ethic and
respected as a contributing team player through consistent collaboration with co-workers, integrity and
commitment to success.Able to deliver results that position organizations for immediate and long-term growth.
Summary of Skills
Complex problem resolution
October 2015 to Current
Navy Federal Credit UnionSan Antonio, TexasMortgage Loan Officer
Experience in understanding basic knowledge and understanding processing and closing first mortgage and equity loans.
Knowledge of mortgage lending requirements, regulations and procedures for VA and conventional loan programs.
Ability to comprehend, analyze and explain available credit options, financing options and basic mathematic principles.
Ability to speak in front of groups in a professional setting.
Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Professional customer interactions to meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants financial status, credit, and property evaluations to determine feasibility of granting loans and the loan origination process.
Explain to customers the different types of Real Estate loans and credit options that are available, as well as the terms of those services.) Obtain and compile copies of loan applicants credit histories, corporate financial statements, and other financial applicable information.
Review and update credit and loan files.
December 2012 to July 2015
First Community BankSan Antonio, TexasBanker/equity specialist
Prepared, booked and funded all new real-state, home Improvement and consumer loans in excess of 1.75 Million Skilled in optimizing sales opportunities to existing and walk-in customers.
Assisted borrowers in choosing the best available proper loan programs as well as the best credit options Coordinated and processed all funding and payments on loans purchased or sold with participating banks.
Communicated with appraisers, escrow officers, and loan underwriters concerning discrepancies.
Reviewed all loan packages to ensure receipt of all required documents and authorized exceptions.
Skilled in optimizing sales opportunities to existing and walk in clients.
Developed new business opportunities and cross-sold additional products and services with an emphasis on establishing profitable client relationships.
Established strategic business relationships with brokers and agents for early access to potential loans, expanding new and existing business opportunities Successfully prepared loan packages and projections for efficient lines of credit , maximizing use of relatively small loan values.
Attained 112 % quota performance for 13 consecutive months by developing new clients through referrals and prospecting.
Provided pre-qualified and pre-approved loans for physicians.
Preformed credit evaluations and reviewed loan applications, providing superior client services throughout the full life cycle of the loan and followed up after closing to ensure complete satisfaction charged with offering term life insurance and mutual funds as a member of BBVA Wealth management group.
Assisted customers in selection of mutual funds and insurance products consistent with the clients overall investment plan.
Achieved revenue and customer -retention goals while increasing client profitability through building, outstanding service delivery, cross selling and referral development.
October 2006 to September 2008
Washington Mutual BankSan Antonio, TexasFinancial Sales Advisor
Responsible for informing potential customer\'s relevance of financial products in regard to their financial needs Responsible for establishing relationships with medical physicians and dentists in Northwest territory of San Antonio, Texas to provide lines of Credit.
Lending and business term loans used to replace aging medical equipment.
Consistently rated in top financial sales force within designated sales territory.
Consistently exceeded production goals for new loans, deposits and fee income.
Recognized as an effective negotiator, generating highest level of fee income ($200,000) division wide.
Responsible for meeting financial product sales goals (50 new relationships per month ) and market growth objectives through various sales initiatives.
Texas State University San Marcos, TexasFinance BBAFinance
Penn State University EconomicsMAEconomics
banking, basic, closing, Credit, client, clients, Decision Making, delivery, equity, financing, financial, financial statements, full life cycle, funds, insurance, loan origination, market, access, mortgage lending, negotiator, Communicator, Real Estate, selling, sales, San, strategic, Time Management, Wealth management