Christopher Gonzalez
Charlotte,NC
Summary
An innovative and performance-driven Mortgage Professional and key team member with extensive experience driving growth, customer retention, and operational excellence.
- Communication / Relationship Building: Exceptional leadership, communication, and presentation skills. An influencer with the ability to build robust and mutually beneficial business relationships at all levels.
- Thought leader, with 10+ years' financial services experience including: Mortgage operations, mortgage processing, banking, financial product advisement, customer relationship management, and team leadership.
- Adept in executing a variety of sales strategies: Including solution selling and consultative sales techniques.
- Continuous Improvement: Experienced in root-cause analysis, data-driven solutions, and process re-engineering.
- Trusted Advisor: Successfully interacting with customers, gaining in-depth understanding of their needs, and delivering product solutions that drive long-term relationships and mutual success.
Overview
11
11
years of professional experience
Work History
Underwriting Analyst
Wells Fargo
Charlotte, NC
04.2021 - 05.2024
- Reviewed and analyzed loan applications, credit reports, financial statements, and other documents to assess the risk associated with extending credit.
- Collaborated with loan officers, processors, and other business partners to gather necessary information, address concerns, and make informed underwriting decisions.
- Developed sound underwriting strategies based on company guidelines and regulations.
- Evaluated customer portfolios to identify any potential risks or compliance concerns.
- Prioritized and managed multiple loan applications simultaneously, ensuring timely completion of underwriting tasks and meeting deadlines.
Sr Mortgage Processor
Wells Fargo
Charlotte, NC
06.2017 - 04.2021
- Collaborated with loan officers and underwriters, ensuring swift, precise, and efficient loan processing.
- Evaluated borrower documentation, including income, credit, employment records, property appraisals, and title insurance, ensuring thorough preparation of loan applications for underwriting evaluation.
- Ensured adherence to company policies, underwriting guidelines, and specific lending program prerequisites, safeguarding regulatory compliance and minimizing risks.
- Processed a diverse range of loans, encompassing conforming and non-conforming loans, FHA, VA, and Home Equity loans, enhancing versatility and adaptability in navigating complex financial landscapes.
Personal Banker
Wells Fargo
Charlotte, NC
03.2016 - 06.2017
- Cultivated relationships with high-value clients, guiding them through a tailored suite of Wells Fargo financial products, including personalized loans, educational loans, referral mortgage loans, and merchant services, to meet their unique financial goals.
- Proactively addressed and resolved customer financial concerns, reviewing accounts, service charges, and pending payments to ensure their complete satisfaction. Offered comprehensive solutions to enhance their financial well-being.
- Elevated customer engagement by conducting thorough follow-up calls, reinforcing our commitment to their financial success. Ensured that every customer interaction was a positive and valuable experience, fostering long-lasting relationships.
- Fostered strategic partnerships by actively collaborating with diverse business and functional areas, contributing to a seamless integration of services. Leveraged these alliances to provide customers with a holistic and efficient financial experience, positioning Wells Fargo as a trusted financial partner.
Service Manager
Wells Fargo
Charlotte, NC
04.2015 - 03.2016
- Supervised and assisted with a range of responsibilities, including safe deposit services, merchant and vault balancing, ATM processing, bonds, foreign currency transactions, and the secure handling of drops.
- Led the recruitment, training, coaching, and ongoing development of a high-performing team, fostering a culture of excellence and ensuring each member was equipped with the skills to deliver top-notch service.
- Monitored and assessed compensation performance, evaluating bonus achievement metrics to ensure alignment with strategic sales and service objectives, driving improved team performance.
- Ensured compliance with Wells Fargo policies and procedures, effectively mitigating and eliminating controllable losses.
Customer Sales & Service Representative
Wells Fargo
Charlotte, NC
09.2013 - 04.2015
- Assisted customers with prompt service by helping with debit car pin changes, online banking enrollment, opening checking/savings accounts, and partner referrals.
- Worked closely with tellers to follow up on referrals based on confirmed customer needs.
- Provided guidance to help customers make informed decisions based on their financial needs.
- Identified opportunities for process improvement within the customer service department.
Education
Associate of Science -
Central Piedmont Community College
Charlotte, NCSkills
- Mortgage Lending
- Sales / Influencing
- Customer Relationships
- Key Account Management
- Strategic Planning / Roadmaps
- Product Knowledge / Education
- Mortgage Processing
- Business Development
- Pipeline Development
- Opportunity ID / Capitalization
- Project Management
- Problem Resolution
- Goal / Quota Attainment
- Operations Management
- Consumer Loans
- Investments
- Regulatory / Policy Compliance
- Cross-Functional Collaboration
Timeline
Underwriting Analyst
Wells Fargo
04.2021 - 05.2024
Sr Mortgage Processor
Wells Fargo
06.2017 - 04.2021
Personal Banker
Wells Fargo
03.2016 - 06.2017
Service Manager
Wells Fargo
04.2015 - 03.2016
Customer Sales & Service Representative
Wells Fargo
09.2013 - 04.2015
Associate of Science -
Central Piedmont Community College
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