Bernard Edward Aquino
Franklin,NJ
Summary
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding, and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. A highly motivated employee with a desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
23
23
years of professional experience
Work History
Director of Sales and Business Development
Yellowstone capital llc / Delta Bridge.
Jersey City , NJ
2014.01 - 2024.03
- Process deals according to their funding status, Understood and contributed to business objectives and goals, Identified difficulties that negatively impacted the customers and/or processes and made recommendations to management for improvement, Checked and corrected data input submissions on CRM on a daily basis, Worked with the Funding team and the daily task was going over Excel reports for files that have currently closed
- Reviewed and analyzed loan requests to ensure accuracy of data and compliance with company policies.
- Developed strategies for processing loan applications in a timely manner.
- Prepared financial reports detailing the status of loans, credit analysis, and other related activities.
- Maintained records and documentation related to all loan agreements and transactions.
- Analyzed financial statements, tax returns, credit histories, debt obligations, collateral values, and other information relevant to loan requests.
- Negotiated terms and conditions of loan agreements with lenders.
- Worked with third-party vendors to address and clear loan closing requirements.
- Scanned and uploaded loan and related documents into system.
- Utilized CRM systems to track leads, manage accounts and monitor competitor activity.
- Conducted regular meetings with sales team members to review performance goals.
- Collaborated with other departments such as finance or operations in order to develop successful business plans.
CT3 Technician
Comcast Cable
Manchester , NH
2001.01 - 2013.10
- Cable technicians install, repair, and maintain residential cabling for internet and television services
- The duties of a cable technician include installing feeder lines that provide cable access to homes and businesses, laying ground cable, and setting up associated equipment for customers
- As a technician, we were required to do door to door sales.
- Performed troubleshooting and repair of equipment in accordance with manufacturer specifications.
- Assisted in the design of new products or modifications to existing products for improved performance.
- Reviewed technical manuals and other documents related to product operation and maintenance requirements.
- Provided training sessions for junior technicians on proper use of test equipment and techniques for troubleshooting complex systems.
- Troubleshot systems and equipment and ran tests to make effective recommendations.
- Cleaned, maintained and properly stocked company vehicle to prepare for required duties.
Education
Bachelor of Science - Business Administration
Umass lowell
Lowell, MA06.2001
High School Diploma -
Lawrence High School
Lawrence, MA06.1997
Skills
- Bilingual
- Great leadership and communication skills
- Team player
- Organizational Skills
- Microsoft Skills
- Data Collection
- Calculations Review
- Personal Data Collection
- Loan Application Preparation
- Loan Disbursement
- Customer Account Review
- Credit Verification
- Loan Modification
- Employment Verification
- Customer Service
- Desktop Underwriter
- Extensions of Credit
- Calculations Error Correction
- Funds Disbursement Application
- Financial Data Collection
- Closing Documentation
- Financial Information Monitoring
- CRM Software
- Customer Communication
- Decision-Making
- Data Entry
- Credit Limit Establishment
- Loan Records Filing and Maintenance
- Script Use
- Lead Management
- Performance-Driven
- Upselling and Cross Selling
- Skilled Negotiator
- Sales Proficiency
- Warm Calling
- Email and Telephone Etiquette
- Contracts
- Product Sales
- Cold Calling
- Lead Generation
- Inbound and Outbound Calls
- Entrepreneurship
Languages
Spanish
Professional
Timeline
Director of Sales and Business Development
Yellowstone capital llc / Delta Bridge.
2014.01 - 2024.03
CT3 Technician
Comcast Cable
2001.01 - 2013.10
Bachelor of Science - Business Administration
Umass lowell
High School Diploma -
Lawrence High School
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