Francisco Garcia
San Antonio,TX
Summary
Experienced mortgage professional with over 25 years of progressive experience in mortgage loan underwriting, loan processing, and loan origination. Proven ability to lead teams, drive process improvements, and deliver exceptional customer experiences. Demonstrates expertise in regulatory compliance, risk management, and team development. Bilingual in English and Spanish, with a strong track record of enhancing operational efficiency and achieving performance goals in fast-paced environments.
Overview
23
23
years of professional experience
Work History
Mortgage Loan Officer
GFS Home Loans
San Antonio, Texas
06.2025 - Current
- Originate mortgage loans and manage the end-to-end loan process, ensuring compliance with regulatory guidelines.
- Assess clients' financial profiles and clearly communicate loan product options, terms, and requirements to support informed decision-making.
- Perform in-depth risk assessments of loan applications, identifying potential red flags, and providing strategic recommendations to mitigate risk.
- Develop and nurture partnerships with real estate agents and industry professionals to drive business growth.
- Lead mortgage education and training initiatives for real estate agents and mortgage loan officers, improving lending knowledge and collaboration.
Senior Mortgage Loan Officer
High Ridge Lending, Inc
San Antonio, Texas
06.2024 - 06.2025
- Originate mortgage loans and manage the end-to-end loan process, ensuring compliance with regulatory guidelines.
- Assess clients' financial profiles and clearly communicate loan product options, terms, and requirements to support informed decision-making.
- Perform in-depth risk assessments of loan applications, identifying potential red flags and providing strategic recommendations to mitigate risk.
- Develop and nurture partnerships with real estate agents and industry professionals to drive business growth.
- Lead mortgage education and training initiatives for real estate agents and mortgage loan officers, improving lending knowledge and collaboration.
Real Estate Underwriting Manager
USAA Federal Savings Bank
San Antonio, Texas
06.2011 - 10.2022
- Managed a high-performing 10-member mortgage underwriting team specializing in Conventional, VA and new construction loans.
- Spearheaded KPI initiatives resulting in annual production of 10% above threshold, 95% quality, 85% first-pass yield, 97% 48 hr. SLA, 15 hr. underwriting cycle time and loan refinals of 15% or less.
- Led compliance audits to reduce loan defects, maintain 95% quality standards, and mitigate risks associated with regulatory requirements.
- Designed and implemented monthly training, coaching, and mentoring plans for team members, fostering a culture of empowerment, collaboration, and professional growth.
- Designed and implemented a cross-training plan, achieving 100% cross-training of underwriters on the team within six months.
- Managed the team’s Learning Management System (LMS) dashboard to track compliance training, consistently achieving 100% completion.
- Served as a subject matter expert in designing and implementing the underwriting dashboard using underwriting experience mapping exercises and data-driven insights to enhance operational efficiency and optimize the underwriting pipeline.
- Developed and facilitated First American FraudGuard training for the mortgage department, enhancing fraud detection and prevention in mortgage loan applications.
- Reduced operational costs through targeted overtime and concession expense management.
Bilingual Insurance Sales Agent
Nationwide Insurance Company
San Antonio, Texas
12.2008 - 01.2011
- Sold insurance products while maintaining compliance regulations (licensed in 45 states).
- Generated new sales, retained existing members, and grew book of business through multiple product offerings.
- Attended training sessions regularly to stay informed about changes in the industry regulations.
Mortgage Loan Officer
KB Home Mortgage Company
San Antonio, Texas
11.2002 - 04.2008
- Originated and closed mortgage loans while developing strong relationships with home builder sales teams and real estate agents.
- Negotiated loan terms including interest rates, fees, repayment schedules.
- Consistently exceeded sales goals while supporting clients through the loan process.
Education
Bachelor of Arts - Criminal Justice
The University of Texas At San Antonio
San AntonioMortgage Loan Originator License -
Champions School of Real Estate
San AntonioSkills
- Bilingual: Fluent in English & Spanish
- Leadership & Team Development
- Mortgage Underwriting & Risk Assessment
- Loan Origination & Credit Analysis
- Regulatory Compliance & Quality Control
- Conventional, VA, FHA & USDA Loans
- Mortgage Software: Desktop Underwriter (DU), Loan Product Advisor (LPA), Mortgage Cadence, Unifi, Encompass
- Negotiations, Conflict Resolution & Process Improvement Training
- Microsoft Word, Excel, PowerPoint, Outlook
Certifications & Professional Development
- USAA Leadership Development School
- USAA Underwriter Professional Development Program Graduate
- Mortgage Loan Originator License (NMLS #2570477)
- Mortgage Bankers Association (MBa): Certified Residential Underwriter (Level I)
- Mortgage Compliance Training: SAFE Act, TILA, RESPA, TRID, ECOA, FCRA, HMDA
- Fraud Prevention Training: First American FraudGuard, Anti-Money Laundering (AML) & Know Your Customer (KYC)
Timeline
Mortgage Loan Officer
GFS Home Loans
06.2025 - Current
Senior Mortgage Loan Officer
High Ridge Lending, Inc
06.2024 - 06.2025
Real Estate Underwriting Manager
USAA Federal Savings Bank
06.2011 - 10.2022
Bilingual Insurance Sales Agent
Nationwide Insurance Company
12.2008 - 01.2011
Mortgage Loan Officer
KB Home Mortgage Company
11.2002 - 04.2008
Bachelor of Arts - Criminal Justice
The University of Texas At San Antonio
Mortgage Loan Originator License -
Champions School of Real Estate