Encompass
Gerard Longoria
Licensed Mortgage Loan Officer
San Antonio,TX
Summary
Top-Performing Mortgage Loan Officer with 15+ years of experience in loan origination, underwriting, and compliance. Proven ability to exceed sales targets, build client relationships, and navigate complex lending regulations (TRID, RESPA, HMDA). Specializes in FHA/VA/conventional loans, lead conversion, and pipeline management.
Overview
25
25
years of professional experience
Work History
Mortgage Originations Trainer (Contractor)
Apex Systems
10.2024 - 03.2025
- Training new hire MLOs on LOS, loan origination workflows, compliance, and sales techniques
- Evaluated the effectiveness of training initiatives by tracking participant progress and gathering feedback for continuous improvement.
- Provided one-on-one mentoring to help individuals reach their full potential within the organization.
- Delivered dynamic presentations to facilitate learning and retention among diverse audiences.
- Streamlined processes for creating, updating, and distributing training materials, resulting in significant time savings for staff members involved in these tasks.
Senior Small Business Banker
Wells Fargo Bank
10.2023 - 09.2024
- Managed a growing pipeline of 50+ business deposit accounts, evaluating creditworthiness and business structures.
- Advised small business owners on cash flow solutions, lending options, and treasury services.
- Consistently exceeded quarterly targets for new account acquisitions.
- Managed a diverse portfolio of small business clients, ensuring their unique financial needs were met efficiently and effectively.
- Maintained up-to-date knowledge of industry trends, regulations, and competitor offerings to provide informed recommendations to clients.
Mortgage Loan Officer
Rocket Mortgage
07.2021 - 10.2022
- Analyzed credit reports, tax returns, and bank statements to pre-qualify borrowers
- Educated clients on loan options (FHA/VA/conventional), improving customer satisfaction scores
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Streamlined the loan application process for improved customer satisfaction and a higher volume of closed loans.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Digital Product Manager
USAA Federal Savings Bank
08.2017 - 04.2020
- Streamlined credit card dispute resolution
- Ensured compliance with Regulation Z and ECOA during digital loan application rollout
- Collaborated with stakeholders to define product requirements, ensuring alignment with business objectives.
- Collaborated with UX (User Experience) team to incorporate customer feedback and User Acceptance Test (UAT) into future patches and iterations.
- Defined solution requirements to convert strategic ideas into actionable workflows
- Analyzed customer behavior to derive digital product performance insights and identify areas of potential improvement.
Business Applications Analyst
USAA Federal Savings Bank
02.2015 - 08.2017
- Managed user acceptance testing (UAT) for Cadence, a new mortgage loan operating system.
- Resolved system defects, improving loan processing efficiency
- Enhanced business procedures by analyzing system defects and implementing new application processes.
- Collaborated with cross-functional teams to gather requirements, ensuring alignment with business objectives.
- Optimized system performance with thorough testing and troubleshooting of application issues.
- Provided expert guidance to users on application functionality and best practices for optimal results.
SR Leads Acquisition Specialist
USAA Federal Savings Bank
05.2012 - 02.2015
- Cold-called 50+ leads/day, consistently ranking as a top 10% producer.
- Authored mortgage origination procedures and conducted compliance audits on 300+ call recordings.
- Assigned several mortgage deployments outside of department
- Rolled out and trained MLO's on Mortgage Cadence
- Deployed to IT for testing of LOS upgrades
- Trained nearshore contractors onsite in Guadalajara Mexico on LOS
Mortgage Loan Officer
America Home Key
San Antonio, Texas
10.2008 - 05.2009
- Assisted customers with completing loan applications and other paperwork.
- Negotiated favorable loan terms with lenders, achieving cost savings for clients and increasing competitiveness of our offerings.
Mortgage Broker/Owner
Texas Homeowners Mortgage
01.2000 - 10.2008
- Maintained 100% compliance audit pass rate for state and federal regulations
- Built a repeat client base through referrals by offering tailored loan solutions
- Assessed clients' financial data to determine loan suitability.
- Established strong relationships with borrowers, which helped to forge new business opportunities.
- Assisted clients in improving their credit scores and overall financial standing, increasing their chances of loan approval and favorable terms.
- Exceeded sales targets by cultivating strong relationships with real estate professionals, generating a steady stream of referral business.
- Developed marketing strategies to consistently generate new leads and expand client base, driving business success.
- Trained and motivated employees to perform daily business functions.
Skills
Mortgage Origination Expertise
Lead Generation Expertise
Financial Analysis (DTI, LTV, Credit)
Client Engagement Development
Regulatory Compliance
Pipeline Performance Analysis
FHA/VA/Conventional Loan Structuring
Mortgage Origination Expertise
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Software
Calyx
Cadence
Work Preference
Work Type
Full TimePart TimeLocation Preference
On-SiteRemoteHybridImportant To Me
Career advancementFlexible work hoursWork from home optionLanguages
English
Full Professional
Spanish
Elementary
Education
GED -
General Education
San Antonio, TXTimeline
Mortgage Originations Trainer (Contractor)
Apex Systems
10.2024 - 03.2025
Senior Small Business Banker
Wells Fargo Bank
10.2023 - 09.2024
Mortgage Loan Officer
Rocket Mortgage
07.2021 - 10.2022
Digital Product Manager
USAA Federal Savings Bank
08.2017 - 04.2020
Business Applications Analyst
USAA Federal Savings Bank
02.2015 - 08.2017
SR Leads Acquisition Specialist
USAA Federal Savings Bank
05.2012 - 02.2015
Mortgage Loan Officer
America Home Key
10.2008 - 05.2009
Mortgage Broker/Owner
Texas Homeowners Mortgage
01.2000 - 10.2008
GED -
General Education
NMLS
License #268947 current / inactive
Military
USCG Honorable Discharge