ALBERT F. TREVINO
biBERK Insurance
Universal City,USA
18
years of professional experience
Detail-oriented financial services professional with 20+ years of experience in credit analysis, loan underwriting, and financial advising across banking and investment services. Skilled at evaluating financial documentation, assessing risk exposure, and applying sound analytical judgment to balance risk and profitability. Seeking to apply proven risk-assessment and analytical skills in an Associate Underwriter role.
Work History
Insurance Advisor
3 Years 2 Months- Evaluate small business risk profiles and coverage needs to recommend appropriate commercial insurance policies
- Analyze client operations, exposures, and loss history to guide underwriting-appropriate policy placement
- Build client relationships through consultative, needs-based insurance recommendations and policy education
Mortgage Originator
2 Years- Evaluated borrower financial documentation, credit profiles, and income to structure mortgage loan applications
- Assessed risk and eligibility across loan products, ensuring compliance with underwriting and regulatory guidelines
- Guided clients through the full origination process, from application through closing
Loan Originator
3 Years 7 Months- Evaluated borrower financial documentation, credit profiles, and income to structure loan applications
- Assessed risk and eligibility across loan products, ensuring compliance with underwriting and regulatory guidelines
- Guided military members and their families through the full loan origination process, from application through closing
Community Banker
4 Years 6 Months- Reviewed and underwrote loan packages for documentation accuracy, required authorizations, and exception handling in compliance with lending guidelines
- Prepared, booked, and funded new and renewed real-estate and consumer loans, applying credit and risk analysis to each lending decision
- Coordinated funding and payment processing on participated loans exceeding $1.75 million, ensuring accurate risk-sharing and documentation across partner banks
- Built profitable client relationships through needs-based financial product recommendations and cross-selling
Sr. Financial Advisor
4 Years 2 Months- Established strategic business relationships with brokers and agents for early access to potential loans, expanding new and existing business opportunities
- Prepared loan packages and credit projections, structuring lines of credit and construction loans
- Performed credit evaluations and reviewed loan applications, assessing risk across the full loan life cycle from application through post-closing follow-up
- Sustained 112% of quota for 13 consecutive months by accurately assessing client risk and financial needs
Education
BBA - Public Finance
Skills
Risk Assessment & Analysis
Credit & Loan Underwriting
Financial Statement Analysis
Documentation & Compliance Review
Client & Broker Relationship Management
Portfolio & Investment Risk Analysis
Timeline
Insurance Advisor
biBERK Insurance
06.2023 - CurrentRead More
Mortgage Originator
Wells Fargo
02.2021 - 02.2023Read More
Loan Originator
USAA
07.2017 - 02.2021Read More
Community Banker
First Community Bank
12.2012 - 06.2017Read More
Sr. Financial Advisor
BBVA Compass
09.2008 - 11.2012Read More
Texas State University
BBA from Public Finance
Read More