Gerardo Velez
Zebulon,USA
Summary
I am a result driven finance professional with over 25 years of Management experience. Knowledgeable in financial products, banking regulations and customer service improving operations, meeting goals and customer service experience mostly in the Retail Banking, Finance and Mortgage and Health Industries. Had managed millions of dollars in portfolio deposits and contributing to increase sales and production goals %100 or over of expectations and projections.
Overview
19
19
years of professional experience
Work History
Financial Customer Associate
Fidelity Investments
10.2023 - 09.2024
- Answering questions about account balances, client inquiries, concerns, and complaints
- Help customer to feel more confident, make clearer decisions and help them to achieve their financial retirement goals
- Maintain Client records in their 401k account, including personal information updates, demographics, etc
- Assist and educate them on processing various services thru their 401k, like processing Loans against their 401K, withdrawals under hardship conditions, regular withdrawals and minimum MRD’s distributions
- Assist in the ROLLOVER process, IN and OUT of Fidelity accounts
- Provide financial guidance and personalized service
- Identifying opportunities to upsell and cross-sell products and services
Sr. Loan Officer
PNC Mortgage Inc.
03.2022 - 01.2023
- Recommends loan solutions in accordance with lending guidelines and clients' requirements
- Manages a portfolio of customer relationships
- Seeks prospective opportunities to retain and/or develop new clients
- Responsible for sales calls
- Develops and prepares loan solutions and refers products and services; reviews documentation to ensure compliance
- Manages customer pipeline for efficiency
- Collaborates with internal and external stakeholders to complete mortgage transactions
- Collects and analyzes customer financial information for multifaceted and/or complex borrowers
Sr. Loan Officer
SeaTrust Mortgage
06.2021 - 03.2022
- Origination of Mortgage loans utilizing his own resources and contacts through the wide range of contacts like realtors, builders, developers, and past and present personal referrals within the Mortgage lending Industry to generate new applications
- Responsible in obtaining pertinent information from potential applicants and collects documentation in order to analyze their financial needs, desires and earnings to assist in determining whether the loan will be an acceptable credit risk
- Discusses application with applicants, counsels and answers questions concerning mortgage loan programs
- Requests any additional information required to complete the loan application package prior to submission for processing
- Acts as main point of contact for information and guidance to applicants
- Documents communication with the member and/or other interested parties in the loan transaction in the mortgage origination software application
Mortgage Loan Officer
VyStar Credit Union
12.2019 - 04.2021
- Originates residential mortgage loans and solicits residential first mortgages and equity loans through contacts with realtors, builders, developers, and personal referrals
- Provide quality service to members and potential members seeking residential mortgage loans
- Interview applicants to develop information concerning their financial needs, desires, and earnings to assist in determining whether the loan will be an acceptable credit risk
- Obtain and analyze pertinent financial and credit data
- Enters data into the point-of-sale origination software to complete the loan application
- Discusses application with member, counsels and answers member questions concerning mortgage loan programs
- Requests any additional information required to complete the loan application package prior to submission for processing
- Generally, provides the required three-day disclosures along with other pertinent mortgage disclosures to the member electronically, however, may be required to provide them in paper form should the member decline to accept them electronically
- Maintain communication with processor regarding progress of each mortgage loan file and communicate status and information to member
- Acts as main point of contact for information and guidance for member
- Documents communication with the member and/or other interested parties in the loan transaction in the mortgage origination software application
- Assists the assigned mortgage loan processor and closer to obtain documentation to ensure a smooth mortgage loan process
- Proactively communicates status of loan throughout the loan process
- Reviews monthly production reports with the Mortgage Loan Officer Manager to ensure goals are being met
- Cross sells other credit union services
- Responsible for understanding mortgage department goals as well as Credit Union goals and pro-actively works toward attainment of those goals
- Identify and make recommendations to department Mortgage Origination Management regarding process improvements, quality service and increased efficiencies within the department
Mortgage Loan Originator
Fifth Third Bank
03.2019 - 12.2019
- Developed referral business contacts (realtors, builders, professional and personal contacts)
- Maintained an extensive knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines
- Followed defined protocol for escalation exceptions
- Collected appropriate documentation from each applicant and deliver loan package in the time frames set by management
- Managed pipeline for all originated loans through closing and complete required management
- Reported and closed loan volumes for over $1 million on consistency basis
- Communicated with and trained branches and/or applicants of providing timely updates and progress reports
- Maintained high levels of customer service while managing each applicant's and supported staff
Mortgage Loan Officer
Regions Bank
11.2017 - 03.2019
- Ensure exceptional client experience by overseeing the loan process from origination through closing
- Develop and maintained profitable relationships with business referral sources
- Communicate with and advised clients and partners during the different stages of the loan process
- Provide underwriting with complete and accurate loan applications and corresponding documents
Community Bank Specialist Mortgage Loan Counselor
Branch Banking & Trust Company (BB&T)
08.2013 - 03.2015
- Executed mortgage sourcing plans and strategies through internal Bank referrals
- Provided mortgage clients with the necessary knowledge about specific conventional products and appropriate consultation about the most suitable programs for their needs, in fully compliance and adherence to internal and external rules and regulations
Market Leader/ Branch Manager
BB&T
01.2012 - 12.2013
- Successfully prospected and acquired new personal and small businesses relations, while retaining and developing existing relationships
- Responsible for team growth
- Coached formally and informally personal bankers and tellers on regular basis
- Because of better and consistent execution of all sales models and processes, increased loan and deposits volume by 20% in one year
- Executed Sales Model Process with monthly goal settings, Monday sales meetings, and daily morning huddles and debriefs
- Assisted with scripting
- Met with personal bankers to review client information and identify follow up opportunities
Branch Manager
SunTrust Bank
01.2006 - 12.2012
- Provided leadership and direction to 10 branch employees with emphasis on superior customer service skills and improved teamwork that continuously resulted on achieving sales goals
- Ensured branch compliance with internal policies and FDIC regulations, including Regulation A, B, C, E, G, P and Z
- Increased market share and branch productivity 25% by keeping constant track on book of business on a weekly basis and coaching key members/champions of the team on follow up on calls to prospective and existing clients
- Implemented sales and customer service best practices to ensure better lobby management, weekly schedules to all employees, and customer's waiting time
- Increased branch sales by 25% while improving TeamWork
- Coached employees on customer profiles key performance indicators
- Increased on customer service scores from mid-80's to mid-90's
Education
BA - Management, Marketing & Accounting
Pontifical Catholic University of Puerto Rico
Ponce, Puerto RicoSkills
- Fully bilingual- English and Spanish
- Financial Data Analysis
- Manager of Sales and Operations and Procurement
- Extensive Lending Experience
- Leadership and Coaching
- Relationship Building
- Team building
- Goal-Oriented
Work Preference
Work Type
Full TimeWork Location
HybridRemoteImportant To Me
Work-life balanceCareer advancementCompany CulturePersonal development programsTeam Building / Company Retreats401k matchStock Options / Equity / Profit SharingPaid time off4-day work weekLanguages
Spanish
Native or Bilingual
Timeline
Financial Customer Associate
Fidelity Investments
10.2023 - 09.2024
Sr. Loan Officer
PNC Mortgage Inc.
03.2022 - 01.2023
Sr. Loan Officer
SeaTrust Mortgage
06.2021 - 03.2022
Mortgage Loan Officer
VyStar Credit Union
12.2019 - 04.2021
Mortgage Loan Originator
Fifth Third Bank
03.2019 - 12.2019
Mortgage Loan Officer
Regions Bank
11.2017 - 03.2019
Community Bank Specialist Mortgage Loan Counselor
Branch Banking & Trust Company (BB&T)
08.2013 - 03.2015
Market Leader/ Branch Manager
BB&T
01.2012 - 12.2013
Branch Manager
SunTrust Bank
01.2006 - 12.2012
BA - Management, Marketing & Accounting
Pontifical Catholic University of Puerto Rico
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