Fernando Anguiano
Santa Ana,CA
Summary
Proactive financial leader with extensive experience in branch management, loan processing, and customer service. Proven track record of exceeding corporate objectives, fostering client loyalty, and driving account retention. Skilled in financial planning guidance, loan application review, and team leadership. Dedicated, results driven professional eager to leverage years of industry expertise to support branch growth and deliver exceptional client outcomes.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Assistant Branch Manager
Mariner Finance
Santa Ana, California
12.2025 - Current
- Support the Branch Manager with daily operations and team leadership
- Process and review loan applications, ensuring accuracy, compliance, and timely approvals
- Work with staff to meet monthly production and sales goals tied to branch bonus incentives
- Coach, train, and schedule team members to maintain high performance and service standards
- Handle customer concerns and escalations professionally and efficiently
- Assist with cash controls, deposits, and balancing procedures
- Build strong customer relationships to encourage repeat business and referrals
SR. LOAN CONSULTANT/Senior Financial Advisor
Lendmark Financial Services LLC
Anaheim, California
06.2022 - 12.2025
- Negotiated terms of loan agreements with clients including interest rates, repayment plans, fees, and collateral requirements.
- Developed relationships with clients to foster trust and loyalty in services.
- Processed documentation for loan approvals and disbursements.
- Assisted clients in understanding loan products and terms.
- Evaluated loan applications to determine eligibility and risk levels.
- Deliver consultative financial guidance to clients on consumer, auto, and secured loan products, aligning solutions with individual credit profiles and financial goals
- Review, analyze, and process loan applications using automated underwriting and credit decision systems, ensuring compliance with lending guidelines
- Conduct in-depth credit and income analysis to determine eligibility and appropriate loan structuring
- Manage an active loan portfolio, including servicing, collections, and loss mitigation strategies to reduce delinquency risk
- Handle high-volume inbound and outbound client communications, resolving account issues and negotiating payment arrangements
- Utilize Equifax Application Engine and LoanMaster servicing platforms to process applications, maintain records, and monitor loan performance
- Close loans face-to-face with customers and consistently upsell value-added products and protections
- Perform detailed documentation and compliance reviews to ensure accuracy and regulatory adherence
- Build and maintain long-term client relationships through professional networking and service-focused follow-up
- Support branch growth through business development outreach and dealership relationship expansion
- Recognized for strong customer service, conflict resolution, and ability to convert complex financial information into client-friendly guidance
- Collaborate with cross-functional teams to resolve escalations and improve customer outcomes
- Maintain strict cash handling controls, deposits, and transaction accuracy
- Recognized as Top Consultant in the Region based on production, loan volume, and customer performance metrics
Medical Biller /Assistant Finance Manager
Spruce Medical Group
Irvine
10.2021 - 06.2022
- Processed insurance claims through electronic billing systems efficiently.
- Reviewed patient records for accuracy and completeness before submission.
- Communicated with insurance providers regarding claim status and discrepancies.
- Resolved patient inquiries related to billing statements and insurance coverage.
- Maintained up-to-date knowledge of coding guidelines and billing regulations.
- Trained new staff on billing procedures and software usage effectively.
- Submitted electronic claims to various insurance carriers.
- Verified medical codes for diagnosis, treatments, procedures and supplies using ICD-10 coding system.
- Answered incoming calls regarding billing inquiries from patients and and or providers in a professional manner.
- Managed medical billing and financial operations, including accounts payable/receivable and payment posting
- Processed insurance and patient billing records with high accuracy using CIM document and client record systems
- Reconciled daily cash drawer, deposits, and payment transactions while maintaining audit-ready records
- Conducted high-volume inbound and outbound calls (100+ daily) related to billing, collections, and account resolution
- Resolved patient account discrepancies and negotiated payment solutions to improve collection rates
- Reviewed financial and account data for accuracy and compliance with healthcare billing standards
- Prepared, scanned, and transmitted medical and financial documentation securely via fax and electronic systems
- Supported office financial workflow by organizing records and improving database accuracy
- Assisted with client financial counseling and payment planning conversations
- Strengthened patient and client relationships through clear communication and professional service
- Coordinated with providers and administrative staff to ensure timely claim and billing processing
Fulfillment Lead
Lowe's
Tustin, California
12.2021 - 05.2022
- Managed high-volume online and curbside pickup orders, accurately locating, pulling, and staging merchandise for timely customer pickup
- Used Genesis order management system to track incoming orders, update fulfillment status, and resolve order discrepancies
- Coordinated with sales floor and warehouse teams to retrieve back-stock and bulk inventory items
- Provided phone-based customer support, answering order questions and resolving fulfillment issues quickly and professionally
- Handled large and heavy merchandise shipments, safely lifting and transporting items exceeding 100 lbs
- Assisted with inventory control by identifying discontinued or excess items and marking them for removal or relocation
- Maintained strong knowledge of store procedures and fulfillment workflows to improve order accuracy and turnaround time
- Delivered consistent, calm, and solution-focused service during peak demand and high-pressure periods
Retail Sales Associate
Nordstrom Rack
Costa Mesa, California
10.2021 - 03.2022
- Maintained clean and organized sales floor displays for optimal product visibility.
- Processed transactions accurately using point of sale systems.
- Collaborated with team members to achieve daily sales goals.
- Managed inventory by restocking shelves and tracking product levels.
- Provided exceptional customer service to enhance shopping experiences.
- Handled customer complaints and resolved issues promptly and professionally.
- Trained new employees on company policies and sales techniques.
- Handled customer complaints in a professional manner.
- Kept calm and applied strong problem-solving and interpersonal skills to resolve conflicts.
- Assisted customers in selecting products and addressing inquiries.
General Manager
Pizza Hut
Santa Ana, California
05.2018 - 06.2021
- Oversaw daily restaurant operations and ensured compliance with company standards.
- Managed team scheduling to optimize staff coverage during peak hours.
- Trained and mentored staff on customer service best practices and menu knowledge.
- Implemented inventory control measures to reduce waste and maintain stock levels.
- Conducted regular performance evaluations to improve employee engagement and productivity.
- Trained employees on duties, policies and procedures.
- Created schedules and monitored payroll to remain within budget.
- Created a positive work environment by developing team building activities that encouraged collaboration among departments.
Education
Associate in Behavior Development -
Santa Ana College
Santa Ana, California, CAHigh School Diploma -
Century High School
Santa Ana, CASkills
- Loan processing
- Compliance review
- Customer relationship management
- Cash handling
- Risk assessment
- Sales strategies
- Effective communication
- Conflict resolution
- Team leadership
- Investment guidance
- Financial advising
- Customer retention
- Audit preparation
- Loan product expertise
- Fast paced environment adaptability
Languages
English
Professional
Spanish
Professional
Certification
Res credit insurance agent
Timeline
Assistant Branch Manager
Mariner Finance
12.2025 - Current
SR. LOAN CONSULTANT/Senior Financial Advisor
Lendmark Financial Services LLC
06.2022 - 12.2025
Fulfillment Lead
Lowe's
12.2021 - 05.2022
Medical Biller /Assistant Finance Manager
Spruce Medical Group
10.2021 - 06.2022
Retail Sales Associate
Nordstrom Rack
10.2021 - 03.2022
General Manager
Pizza Hut
05.2018 - 06.2021
Associate in Behavior Development -
Santa Ana College
High School Diploma -
Century High School