Daniel Garcia
San Antonio,TX
Summary
Loan Officer with over 15 years of lending experience in multiple types of consumer lending. Highly energetic, outgoing and detail-oriented. Handles multiple responsibilities simultaneously while providing exceptional customer service. Personable, self directed, and dedicated individual who is motivated to provide problem solving solutions to any and all customers. Skilled in managing, coaching, and mentoring team members on a variety of products and services.
Overview
19
19
years of professional experience
Work History
Bank Sales and Service Representative
USAA
11.2022 - Current
- Facilitates the financial security of members through need based sales, and or service conversations on multiple banking lines of business.
- Originate, review, process, close, and administer customer loan proposals.
- Develop strong relationships with customers through high levels of customer service.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates to help them understand their entire loan process.
Mortgage Loan Officer
USAA
09.2019 - 10.2022
- Meets with potential and current members to understand their lending needs including first-time mortgages and refinances.
- Assists clients with completion of mortgage applications while inspecting completed documents for accuracy, utilized Desktop Underwriting DU, analyzed buyers income, assets and liabilities, credit reports, and loan documents to determine creditworthiness.
- Worked closely with customers, realtors, processors, and underwriters to ensure a smooth transaction.
- Maintains knowledge of trends in the current real estate market; aware of lending rates; knowledge of TRID and RESPA regulations and best practices of various mortgages, VA, Conventional and FHA loans.
- Exceed our production standards by maintaining an active pipeline.
Member Specialist
Generations Federal Credit Union
06.2017 - 09.2019
- Processed new accounts and maintained existing accounts, from personal to business, and IRA accounts.
- Well versed on all loan products and able to provide excellent information to the members on all lending products.
- Responsible for processing all loans, from origination to closing from end to end, member advocate and liaison when necessary.
- Originates HELOC loans.
- Role included some outbound calling, cross sells additional loans as needed and desired by members, product consultation, analyze credit files, and gather documents.
Consumer Sales Representative
Generations Credit Union
03.2012 - 06.2017
- Originated, funded, and closed all new and existing loans. Updated and processed all verifications, processing, and paperwork for all departments involved. Provided all products and services appropriate to establish and create strong lasting member relationships.
- Managed pipeline, developed cross-selling utilization, and consultative selling methods for add-on coverages. Completed tasks in a call center work environment..
- Provided training, technical support and guidance to the Sales Team. Authorized with lending authority, analyzed, and underwrote loan requests.
Store Manager
Ez Money Loan Services
03.2005 - 03.2011
- Served as subject matter expert in operations and policies, and handled all human resource responsibilities while providing leadership to store employees while providing customer service to clients. .
- Processed short term loans, originations, and all underwriting for the branch. Managed the short term loans, collection activities, and profit and loss for the store.
- Monitored branch financial performance while implementing marketing strategies which resulted in 12% growth of customer base.
Education
High School Diploma -
South San High
San Antonio2004
Skills
- Banking and financial services background
- Managerial experience
- Sales
- Training experience
- Notary
- Desktop Underwriter Proficient
- Team Leadership
- NMLS Licensed
- HELOC Loan Originations
- Mortgage Originations
Accomplishments
Consistently meets and exceeds monthly lending goals.
Timeline
Bank Sales and Service Representative
USAA
11.2022 - Current
Mortgage Loan Officer
USAA
09.2019 - 10.2022
Member Specialist
Generations Federal Credit Union
06.2017 - 09.2019
Consumer Sales Representative
Generations Credit Union
03.2012 - 06.2017
Store Manager
Ez Money Loan Services
03.2005 - 03.2011
High School Diploma -
South San High