Gilbert S. Garza

Work History

Pacific Valley Bank

05.2024 - 08.2025

Supported Pacific Valley Bank Commercial Lending Relationship Manager Sales force.
Main responsibility to oversee all Loan Renewals from Start to finish working with the Relationship Manager’s directly to collect loan documents and ultimately meeting Service Level Agreement.
Responsible for over 45 Renewals at any given time, reaching out to clients to ensure timely processing of their loan documents.
Helped Relationship Managers with their loan narratives (Pre-Car) to help streamline processes to ensure timeframes were met.
Responsible for adding New Loans and Renewals to our internal workflow process.
Worked with various internal programs to pull Loan reporting such as Portfolio Reports, Loan Pipeline Report, Specialized Loan Reporting (Real Estate Notes, Notes coming due, Site Visit Reports).
Fielded client requests for loan payments, line of credit transfers and any client research issues.
Acted as a liaison between clients and PVB Branches.
Supported CEO, CFO, CCO with any research and problem resolution issues.
Letters of recommendation will be provided upon request.

Bank of America

02.2021 - 05.2024

Supports local businesses focusing on their business priority and what is important to them.
Well-rounded in relationship building; gaining the trust of the business owners to effectively recommend banking solutions to help improve their business.
Proven ability to connect with business owners through outreach/ cold calling efforts, successfully getting the meeting.
Created effective calling strategies using Internal filter tools to focus on targeted opportunities.
Ability to influence business owners to see the importance of recommendations for the betterment of the business mitigating long term business risks.
Great understanding of what loans structure best fits business, from SBA Express, SBA 7(a), term loans, business lines of credit and commercial lending.
Maintained a four-star (out of five star) rating on a quarterly basis.
Effectively managed book of over 800 business clients through outreach strategies and time management.
Sourced Medial Practice solutions, Dental Practices Solutions focusing on working capital and equipment financing.
Worked with lending Partner to close Commercial Lending, Business Lines of Credit, Term Loans and SBA Lending.

Chase Bank

07.2017 - 02.2021

Relationship building and financial influencer to help reach a favorable outcome for clients.
Generated high volume of loan products such as Business lines of credit, Home Equity Lines of Credit and Mortgage loans.
Works with outside real estate brokers (center of influence) to help generate HELOC business.
Built meaningful banking relationships with Business customers as well as Retail Customers.
Responsible for building a book of business keeping my Retail/Business Banking pipeline full.
Ranked top 3 in sales production (district) month-to-month.
Consistently built new credit relationships, leading to other products and services.
Generated High volume of Wealth Management referrals, averaging 10-15 referrals monthly.
Deepening client relationships and providing advice to achieve financial goals.

Comerica Bank

04.2013 - 07.2017

Responsible for educating clients on the benefit of Fix Annuity products, doing comparisons with other financial products to determine the best fit for the client.
Partnered with wealth management Financial Advisor to provide our clients with a suite of wealth management products/solutions.
Responsible for a territory between the Carmel and Watsonville.
Team’s Top Personal Banker Sales Performer - consistently exceeded expectations for all banker metrics; 1.3 million in deposit growth, 175% of credit card sales and high volume of Wealth Management referrals.
Ranked #1 Nationally, Sept 2015- Fixed Annuity # of Sales.
Ranked # 3 Nationally 12/2016.
$4.4MM in Annuity Sales in 2015.
Over 20 referrals to Wealth Management Financial Consultant contributing to over $3 Million in sales on the Wealth Management side.
Invited to share best practices in Licensed Financial Specialist Quarterly meetings (District Wide).