Christopher Martinez
Laguna Niguel,CA
Summary
Experienced Sales & Finance professional with demonstrated history of working in the Financial Services & Lending industries. NMLS Licensed Loan Originator and IAPDA Certified Debt Specialist. Skilled in Client Relations, Communication, Financial Analysis, Debt Relief Sales, and Mortgage Lending. Highly competitive individual who exceeds sales metrics, strives to be the top producer of a team, while helping peers in sharing strategies for success and implementation of high production performance with leadership abilities. Adept at technology and software such as POS, LOS, and CRM systems to ensure maximum efficiency. Driven individual with track record in Financial Services and Lending related industries with consistency. Demonstrated strong interpersonal skills and exceptional service throughout sales process. Focused on customer success from start to finish, and goal-oriented multi-tasker with 6 years experience exceeding organizational goals as an individual and team leader.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Financial Analyst
Rocketship Financial
06.2024 - 11.2024
- Conducted 8-10 inbounds calls and 150+ outbound calls per day with a high conversion ratio and efficiency.
- Strengthened relationships with clients through timely communication and collaboration.
- Streamlined financial products for clients with clear, concise, and empathetic analysis.
- Worked to build relationships with customers and built potential for additional sales.
- Developed relationships with clients for increased loyalty and repeat business.
- Boosted sales by consistently engaging with customers and addressing their needs effectively.
- Provided exceptional customer service, resulting in numerous positive reviews and referrals.
- Negotiated contracts skillfully, securing favorable terms for both company and client.
Client Advocate
Symple Lending
08.2023 - 06.2024
- Educated clients on available resources such as personal loans and debt relief programs, guiding them through processes to achieve desired outcomes.
- Established strong rapport with clients by maintaining open lines of communication and promptly addressing concerns.
- Averaged 750k to 850k Debt Enrolled Monthly
- Received 10-15 inbounds calls daily converting at over 25-30% efficiency.
- Provided exceptional customer service, consistently exceeding expectations and receiving positive feedback from clients.
- Administered and tracked client service payments.
- Monitored progress towards service plan goals.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
- Achieved or exceeded company-defined sales quotas.
Senior Mortgage Banker
Network Capital Funding
11.2022 - 08.2023
- Developed strong relationships with clients, realtors, and financial institutions to generate new business opportunities.
- Utilized knowledge of Conventional, FHA, VA, Non-QM and HELOC products for clients.
- Used Encompass LOS and Velocify.
- Funded 1 Million-2 Million in Mortgage Loan Volume Monthly.
- Took 5-10 inbound calls and over 200+ outbound calls daily.
- Streamlined application processes for faster approvals, ensuring timely closings on mortgage loans.
- Maintained a high level of product knowledge, staying current with industry trends and regulations.
- Delivered prompt communication with all parties involved in transactions, fostering strong professional relationships.
- Located and pre-qualified customers for mortgages.
- Worked with underwriters to fix application problems and resolve issues.
- Conducted thorough analyses of applicants'' financial status, credit, and property evaluations to determine loan feasibility.
- Connected borrowers to appropriate resources for resolving credit issues when necessary, improving chances for future approval success.
- Exceeded sales goals consistently by developing strong relationships with clients and realtors.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Checked loan documents for accuracy prior to closing.
Mortgage Professional II
Mr Cooper
02.2021 - 11.2022
- Originated favorable loan terms for borrowers by effectively communicating their financial profiles with the lending department of Mr Cooper.
- Utilized knowledge of Conventional, FHA, VA, for portfolio/current servicing borrowers and new borrowers alike.
- Used Encompass POS and Proprietary software to originate loans and take calls with clients.
- Managed approximately 1-2 originations a day along with 5-10 inbounds, and maintained an active pipelines of 4 to 6 million monthly.
- Evaluated borrower''s financial stability using thorough income documentation reviews, ensuring proper qualification guidelines were met.
- Proactively identified potential obstacles in the mortgage process and developed contingency plans, minimizing delays and ensuring client satisfaction.
- Improved client satisfaction with timely and accurate loan processing, maintaining a strong professional rapport.
- Facilitated smooth closings by maintaining open communication lines between all parties involved in the transaction.
- Consistently met or exceeded monthly performance targets through diligent work ethic and effective time management skills.
- Developed expertise in various loan programs, offering tailored solutions to meet individual client needs.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Explained very technical financial information to applicants in easy to understand language.
Lending Officer
LoanDepot
12.2019 - 02.2021
- Managed a extensive portfolio of purchase, refinance, and cash out refinance loans, ensuring timely funding and with company lifetime volume exceeding 100 Million plus funded with over 250+ units during tenure.
- Familiar with Conventional, FHA, VA, products.
- Used Proprietary Software such as Mello and other mortgage related software such as POS, LOS, CRM services.
- Reviewed loan documentation for accuracy and completeness, reducing processing errors and expediting approvals.
- Achieved consistent growth in loan originations through proactive outreach and relationship building with prospective clients.
- Assisted in training new Lending Officers, sharing best practices and helping to improve overall team performance.
- Negotiated favorable loan terms for borrowers by leveraging strong understanding of individual needs and market conditions.
- Processed loan applications and monitored progress from start to finish.
- Researched and updated industry knowledge on changing legislation and regulations.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
Client Advocate
Americor Funding
08.2017 - 12.2019
- Fostered strong relationships with clients for debt relief programs, leading to debt resolution and financial freedom for clients.
- Average 500k to 750k Debt Enrolled Monthly.
- Fielded high level of inbounds calls to help new clients with excess of 20+ calls daily.
- Developed tailored strategies, effectively resolving complex client cases involving bankruptcy or litigation threats.
- Improved clients'' financial situations through comprehensive debt analysis and customized action plans.
- Established credibility as a trusted advisor by consistently delivering on promises, maintaining confidentiality, and demonstrating a deep understanding of clients'' financial challenges.
- Maintained detailed records of client interactions, ensuring accurate documentation of all transactions and communications.
- Managed a portfolio of clients, ensuring timely payments and maintaining excellent client relationships.
Operations Technician
Firefly IT Asset Recovery
06.2014 - 08.2017
- Optimized operations efficiency by streamlining processes and implementing innovative solutions.
- Tested, repaired, refurbished, and resold phones, computers, and other IT hardware for E-commerce listings and connected with vendors to sell products in bulk deals. Ensuring as a technician maximum compliance and vendor satisfaction.
- Weekly average of 200 units tested and sold.
- Demonstrated expertise in equipment operation, contributing to higher quality outputs within tight deadlines.
- Conducted thorough root cause analyses for recurring issues, leading to long-term resolutions and minimized system disruptions.
- Served as a trusted resource for technical guidance, offering valuable input during critical decision-making processes and fostering a culture of continuous learning within the team.
- Coordinated with vendors on invoice management and resolving outstanding issues.
- Integrated new technologies to better meet project needs.
- Documented correspondence with associated details and assigned follow-up work to staff members.
- Established strong relationships with vendors, securing favorable terms for equipment purchases and service agreements.
Education
No Degree - Business Administration And Management
Irvine Valley College
Irvine, CA07.2017
GED -
Laguna Hills High School
Laguna Hills, CA06.2014
Skills
- Sales Professional
- Loan Origination
- NMLS Licensed
- IAPDA Certified Debt Specialist
- Goal-Oriented Individual Striving to Exceed Metrics
- Strong Work Ethic
- Timely & Punctual
- Maintained Compliance, Guidelines, and Protocols Verbatim
Certification
NMLS Licensed Loan Originator - Licensed since 2019
IAPDA Certified Debt Specialist - Certified since 2023
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Financial Analyst
Rocketship Financial
06.2024 - 11.2024
Client Advocate
Symple Lending
08.2023 - 06.2024
Senior Mortgage Banker
Network Capital Funding
11.2022 - 08.2023
Mortgage Professional II
Mr Cooper
02.2021 - 11.2022
Lending Officer
LoanDepot
12.2019 - 02.2021
Client Advocate
Americor Funding
08.2017 - 12.2019
Operations Technician
Firefly IT Asset Recovery
06.2014 - 08.2017
NMLS Licensed Loan Originator - Licensed since 2019
IAPDA Certified Debt Specialist - Certified since 2023
No Degree - Business Administration And Management
Irvine Valley College
GED -
Laguna Hills High School
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