Henry Gomez Munoz
Bismarck
Summary
Accomplished consumer lender with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
9
9
years of professional experience
Work History
Consumer Lender & Bank Security Officer
First Western Bank And Trust
03.2021 - Current
- Completed loan applications, proposals and offers for new borrowers and followed up with pending applicants.
- Processed consumer home equity loans from underwriter approval through final approval with speed and precision.
- Suggested and cross-sold other products or services on approved loans that benefited customer.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Oversaw daily monitoring and patrolled buildings, grounds, and work sites.
- Reviewed camera and system feeds and alerted proper respondents regarding discrepancies.
- Partnered with team of analysts to escalate and manage responses to all events impacting or threatening personnel, property, and assets.
Petroleum Supply Specialist (92F)
North Dakota National Guard
12.2014 - Current
- Handled and transported fuel to vehicles and aircraft.
- Assembled refueling systems and equipment and performed quality assurance.
- Tested fuel products and handled hazardous materials.
- Inspected equipment, performed basic repairs and conducted scheduled maintenance actions.
- Supervised reception, storage and shipping of fuel.
Consumer Loan Underwriter
Capital Credit Union
03.2020 - 03.2021
- Mitigated regulatory risks by ensuring all closing loans adhered to HMDA compliance and government guidelines.
- Analyzed applicant profiles and credit histories while reviewing loan approval contingencies to execute accurate and speedy pricing initiatives.
- Supported loan officers and processors to help with timely completion of loan application.
- Approved, declined or counter-offered loans up to $150,000.00.
- Reviewed financial statements, credit histories, income reports and other information to make accurate determinations about loan decisions.
- Identified and quickly resolved complex customer and loan problems with potential to negatively impacting operations management and business direction.
- Strengthened operational efficiencies and traceability by developing organizational filing systems for loan data, records and reports.
Personal Banker
Gate City Bank
02.2017 - 03.2020
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Promoted financial products by maintaining excellent service offering knowledge.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Maximized revenue through improved sales techniques and branch productivity.
- Answered customer questions and explained available services such as deposit accounts, bonds and securities.
Sales Associate
Best Buy Co Inc.
07.2016 - 07.2018
- Helped customers locate products and checked store system for merchandise at other sites.
- Processed product returns and assisted customers with other selections.
- Engaged with customers to effectively build rapport and lasting relationships.
- Implemented up-selling strategies such as recommending accessories and complementary purchases to boost revenue.
Education
Bachelor's Degree - Business Administration / Human Resources
Dickinson State University
Bismarck, ND03.2024
Associate's Degree - Business Administration
Bismarck State College
Bismarck, ND05.2018
High School Diploma -
Century High School
Bismarck, ND05.2015
Skills
- Bilingual Spanish/English
- Microsoft Outlook, Word, Excel, Office, and PowerPoint
- NMLS License
- Credit Life and Disability Insurance License
- Interpersonal Communication
- Sales Driven
- Analytical and Critical Thinking
Accomplishments
- Quickly promoted in all of my past positions
- Extensive volunteer & community work (United Way, Soup Kitchen, ND Street Fair, financial presentations at all Bismarck high schools).
Timeline
Consumer Lender & Bank Security Officer
First Western Bank And Trust
03.2021 - Current
Consumer Loan Underwriter
Capital Credit Union
03.2020 - 03.2021
Personal Banker
Gate City Bank
02.2017 - 03.2020
Sales Associate
Best Buy Co Inc.
07.2016 - 07.2018
Petroleum Supply Specialist (92F)
North Dakota National Guard
12.2014 - Current
Bachelor's Degree - Business Administration / Human Resources
Dickinson State University
Associate's Degree - Business Administration
Bismarck State College
High School Diploma -
Century High School
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