Bernardo Chavez
San Diego,CA
Summary
Seasoned Financial Consultant with over 15 years of experience in the financial services industry. Proficient in providing sound advice on Investments, tax optimization, and estate planning strategies. Strong interpersonal skills, fostering long-term client relationships built on trust, integrity, and a commitment to achieving financial goals. Proven track record of delivering strategic financial guidance and navigating complex financial landscapes to maximize returns and secure financial futures. Passionate about helping my clients achieve financial success and firm believer that it profits most he who serves best.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Vice President Financial Consultant
Charles Schwab
San Diego, USA
01.2020 - 01.2024
- Built meaningful relationships with my clients while enhancing their overall investment experience by clearly understanding their needs, wants, wishes and earning their thrust.
- Provided financial empowerment and investment advice through a clear roadmap consisting of a rules based approach to solving common wealth management issues that incorporate a progressive model to ensure all live phases/facets of life are covered.
- Cultivate, manage, and leverage industry partnerships to capitalize on opportunities and maximize business success.
- Immersed myself in the community though multiple prominent organizations to give back and better serve my clientele.
Investment Consultant
Charles Schwab
Chicago, USA
11.2017 - 12.2019
- Aided clients get financial affairs in order, grow or preserve assets, and distribute wealth in the most tax advantageous way through financial planning.
- Guided investors through wealth management topics, ensuring success through investment solutions.
- Collaborated with senior consultant and subject matter experts to uncover and close opportunities through seminars and community initiatives.
- Prepared investment reports and presentations for clients.
- Monitored market trends and provided recommendations to clients.
Financial Consultant Academy
Charles Schwab
Austin, USA
02.2016 - 10.2017
- Created a high-performance program designed to equip candidate with all the tools required to succeed as an Investment Advisor.
- Fast pace environment focused on gaining mastery in adequately managing an investment practice; encompassing servicing, growing, and maintaining client relationship though complete market cycles.
- Researched and evaluated various investments, such as stocks, bonds, mutual funds, exchange-traded funds, commodities, options, futures contracts.
- Conducted detailed financial analysis and research to identify potential areas of improvement for clients.
Relationship Banker
Capital One
Austin, TX
01.2015 - 01.2016
- Branch lead in charge of developed and implemented strategies to increase customer base, grow deposits and cross-sell products.
- Conducted regular reviews of customer portfolios to identify opportunities for additional products or services that could benefit them financially.
- Identified customer needs through conversations and offered appropriate banking products to meet their requirements.
Consumer Loan Underwriter II
Wels Fargo Home Mortgage
San Antonio, TX
02.2012 - 11.2014
- Reviewed loan applications to determine creditworthiness of applicants and analyzed financial information such as income, assets, liabilities, and credit history.
- Assessed risk factors associated with loans including applicant's debt-to-income ratio and capacity to repay the loan.
- Evaluated loan documents for accuracy and completeness in accordance with established guidelines.
- Traveled nationwide to meet with distressed loan applicants or locations and conducted in person reviews.
Banker
Wells Fargo Bank, N.A.
El Paso, TX
03.2010 - 01.2011
- Developed relationships with customers by providing exceptional service to cement their business and earn the opportunity to position additional bank services after clearly understanding what they are trying to solve for and potential financial pitfalls.
- Partnered with loan and mortgage officers and financial advisors to provide clients with optimal financial solutions.
Credit Manager
Wells Fargo Financial
El Paso, TX
12.2008 - 02.2010
- Originated and refinanced mortgage loans for: FHA, VA, Prime, and Subprime.
- Reviewed and analyzed loan transactions fro preliminary approval in accordance with internal and Federal guidelines.
- Requested, gathered, and processed required document's for underwriting.
- Directly approved customers for wide assortment of lending options including personal loans, auto loans, lines of credit.
- uncovered all opportunities through cold calling.
Education
Behavioral Finance Profesional Certification - Behavior Finance
Kaplan
04.2021
Financial Planing Certificate - Financial Planning
DePaul University
Chicago, IL06.2019
Bachelor of Science - Finance
The University of Texas At El Paso
El Paso, TX12.2010
Skills
- Investment Management
- Financial Planning
- Portfolio Management
- Risk Management
- Client Relationship Management
- Market Analysis
- Wealth Management Software
- Behavioral Finance
Certification
FINRA
Series 7 - General Securities Representative
FINRA
Series 66 - State Securities Law
California Department of Insurance
CA Accident and Health Producer
California Department of Insurance
CA Life Producer
Certified Financial Planner Candidate
Employee Resource Group President - Schwab Organization of Latinos
- Enhance employees experience and professional fulfillment.
- Promote diversity and inclusion.
- Community empowerment through financial literacy initiatives.
Timeline
Vice President Financial Consultant
Charles Schwab
01.2020 - 01.2024
Investment Consultant
Charles Schwab
11.2017 - 12.2019
Financial Consultant Academy
Charles Schwab
02.2016 - 10.2017
Relationship Banker
Capital One
01.2015 - 01.2016
Consumer Loan Underwriter II
Wels Fargo Home Mortgage
02.2012 - 11.2014
Banker
Wells Fargo Bank, N.A.
03.2010 - 01.2011
Credit Manager
Wells Fargo Financial
12.2008 - 02.2010
Behavioral Finance Profesional Certification - Behavior Finance
Kaplan
Financial Planing Certificate - Financial Planning
DePaul University
Bachelor of Science - Finance
The University of Texas At El Paso
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