Summary
Overview
Work History
Education
Skills
Certification
Birthplace
Raised In
Immigration Year
Current Residence
Family
Church Membership
Hobbies and Interests
Professional Civic Activity
Languages
Timeline
BusinessAnalyst

Joe A. Velazquez

Grand Prairie,USA

Summary

Seasoned banking professional with 38 years of experience spanning multicultural markets, mortgage banking, consumer banking, Community Reinvestment Act, Fair Lending, community affairs, new construction residential lending, real estate, and trust banking. Expertise in sales strategy and compelling presentation delivery Proven ability to cultivate strong relationships with a solid foundation in business development. Fluent in Spanish with proven expertise in navigating diverse market segments. Public speaking proficiency

Experienced with strategic planning, operational management, and team leadership. Utilizes comprehensive business acumen to drive organizational success and foster growth. Track record of implementing effective strategies that enhance productivity and profitability.

Overview

41
41
years of professional experience
1
1
Certification

Work History

Senior Vice President, Corporate and Social Responsibility

Bank of America
09.2006 - Current
  • Company Overview: Bank of America is a multinational investment bank and financial services company.
  • Present and analyze CRA and Fair Lending performance metrics to senior leadership and division executives.
  • Lead the mission to increase homeownership within minority and low-to-moderate income communities with responsibility in multiple regions throughout the United States.
  • Develop and execute strategies to drive retail mortgage production, recruiting, sales-coaching, training, business development, and trade partner relations.
  • Oversee relationships with industry leaders, nonprofit organizations, stakeholders, and create partnerships to enhance services to minority and underserved communities.
  • Bank of America is a multinational investment bank and financial services company.

Senior Vice President, Builder Sales Manager

Bank of America
09.2015 - 08.2017
  • Company Overview: Bank of America is a multinational investment bank and financial services company.
  • Responsible for increasing market share in new construction lending in divisions throughout Central United States.
  • Develop and drive strategies to create builder account partnerships, coach, and train retail sales teams on new construction lending, identify new construction condominium projects and submit for approval, maintain recruiting pipeline of Loan Officers with new construction expertise, uphold industry knowledge, expertise, and trends.
  • Bank of America is a multinational investment bank and financial services company.
  • Successfully contributed to achieving Outstanding and Satisfactory CRA and Fair Lending Ratings.
  • Selected for the Emerging Leader Program 2019.
  • Recognized as 2007 Circle of Excellence winner for outstanding performance in Multicultural Markets.
  • Successfully managed the responsibilities as Interim-Areas Sales Manager for branches in south Dallas.
  • Effectively contributed to the efforts of recruiting sales associates.
  • Established productive and healthy relationships with sales and fulfillment senior leaders.
  • Self-sourced new builder accounts in Detroit, Chicago, Dallas, and Houston.
  • Key contributor in creating the model for the LMI/MCCT Executive and Divisional Business Review and the Neighborhood Lending Sales Performance Scorecard.
  • Appointed to Co-Executive Sponsor of North Texas Employee Networks and Chair of the North Texas Hispanic/Latino Business Council.

Vice President, Community Development

Wachovia Bank
01.2001 - 01.2006
  • Company Overview: Wachovia Bank was a major financial services company that provided banking and investment services.
  • Spearheaded efforts to comply with the Community Reinvestment Act to obtain an Outstanding Rating by promoting and managing profitable and qualified activities.
  • Manage and develop strategic relationships with internal staff, community groups, community leaders, government agencies, and professional associations in Dallas/Fort Worth and the Texas region to build up brand recognition and develop new business.
  • Counsel and support senior management on community related issues and manage community risk to preserve brand reputation.
  • Uphold knowledge on regional market conditions, demographics, trends, key leaders, and community programs.
  • Wachovia Bank was a major financial services company that provided banking and investment services.
  • In my role as Community Development Officer the bank maintained an Outstanding Rating on the Community Reinvestment Act exam.
  • Submitted $30 million in business referrals to various lines of business.
  • Successfully negotiated contracts for multiple public relations events.
  • Effectively managed public relations in communicating the merger of SouthTrust Bank and Wachovia in the state of Texas.

Executive Marketing Director

Avangard Real Estate Marketing Services, Inc.
01.1999 - 01.2001
  • Company Overview: Avangard Real Estate Marketing Services, Inc. specializes in marketing services for real estate.
  • Created and developed business plans secured new business, and managed existing business relationships.
  • Served as consultant for clients and managed relationship between homebuyers and lending institutions.
  • Managed and coordinated communication with media sources.
  • Conducted television interviews and participated in Spanish talk-show programs promoting homeownership.
  • Managed sales of sponsorship packages to large, medium, and small companies.
  • Produced major community events intended for Hispanic consumers.
  • Avangard Real Estate Marketing Services, Inc. specializes in marketing services for real estate.
  • Organized Spanish homebuying Seminars generating an average of eight hundred leads annually.
  • Received media coverage with local ABC and NBC affiliates, and KUVN Univision, which increased consumer awareness around homeownership.
  • Positioned the agency as the expert and leading company within the Hispanic residential real estate market.

Mortgage Banker, Emerging Markets Division

GMAC Mortgage Corporation
01.1998 - 01.1999
  • Company Overview: GMAC Mortgage Corporation was a mortgage lending company.
  • Generated sales for mortgage loans.
  • Performed credit risk analysis for conventional and government loans.
  • Provided expert advice to clients on mortgage products and transactions process.
  • Orchestrated closings with clients and various related parties.
  • Developed and managed relationships with minority communities for new business.
  • Conducted sales presentations to General Motors Employees, Realtors, and other affinity groups.
  • GMAC Mortgage Corporation was a mortgage lending company.
  • Co-Lead a marketing committee during a company conference to create a plan on how to market and serve minority ethnic consumers.
  • Recognized by the Chief Executive Officer for the 'Best Presentation and Creativity' and was asked to present at the Annual National Management Meeting.

Trust Operations Officer

Northern Trust Bank
01.1989 - 01.1997
  • Company Overview: Northern Trust Bank is a financial services company that provides investment management, asset servicing, and banking solutions.
  • Managed general operations in Texas for the trust department, including new accounts, incoming and outgoing transfers of cash and assets, reconciliation of general ledger, batch-work process, archives management, and staff supervision.
  • Provided customer transaction support to Relationship and Investment Managers.
  • Gathered reports for internal and external auditors and assisted the Chief Operating Officer in maintaining policies on federal regulations.
  • Northern Trust Bank is a financial services company that provides investment management, asset servicing, and banking solutions.
  • Co-wrote the policies and procedures manual for the Trust Department.
  • Streamlined the process of cash flow for millions of dollars, which lowered operational cost, alleviated accounting errors, and expedited the reconciliation process.
  • Automated the batch work process and record keeping for the oil and gas division, which increase production and minimized clerical input errors.
  • Presented the 'Signature Service Award' in 1990 and 1993, and the 'Community Reinvestment Act Award' in 1992 and 1994.

Trust Operations Analyst

Texas Commerce Bank
01.1984 - 01.1989
  • Company Overview: Texas Commerce Bank was a financial institution that provided banking services.
  • Conducted general back-office duties including processing and reconciliation of daily batch work, production of reports for relationship and investment managers, and management of file archive system.
  • Started as a mail clerk prior to being promoted to the Trust Department.
  • Texas Commerce Bank was a financial institution that provided banking services.

Education

High School Diploma -

Private School
El Paso, TX
05-1982

Skills

  • Data analysis
  • Regulatory compliance
  • Community engagement
  • Strategic planning
  • Sales coaching
  • Performance management

Certification

  • Leadership Certification as a Certified Coach, Speaker, Trainer by Speaker, and Author John C. Maxwell
  • Leadership Academy Graduate by the National Association of Hispanic Real Estate Professionals
  • Certificate of Completion: Leading in Turbulent Times, Bank of America Leadership Program
  • NeighborWorks America, Inc., Training Institute: Real Estate Finance, Project Feasibility Analysis, Dallas 2006
  • Leadership Management, Leading Change for Organization Transformation, Boston 2005
  • Leadership Management, Board Governance, Atlanta 2004
  • GMAC Mortgage Corporation, Direct Underwriting, 1999
  • Trust Bankers Association, Trust Banking, Dallas 1994

Birthplace

Juarez, Mexico

Raised In

El Paso, Texas

Immigration Year

1977

Current Residence

Grand Prairie, Texas

Family

Ruby, Julian, Aaron, Jose

Church Membership

Calvary Church in Irving, Texas

Hobbies and Interests

  • Spending time with family
  • Enjoying the outdoors
  • Camping
  • Fishing
  • Being health conscious

Professional Civic Activity

  • To Give a Smile Nonprofit Organization, Current Board Director
  • Calvary Church Irving Texas, Board Director
  • National Association of Hispanic Real Estate Professionals North Texas Chapter, 2014 President
  • Consumer Credit Counseling Services of Greater Dallas, Past Board Director
  • American Sunrise a Henry Cisneros Nonprofit Organization- Past Board Director
  • Dallas Housing Authority- City of Dallas Mayor Appointment- Former Vice Chair-Board Commissioner
  • Neighborhood Housing Services of Fort Worth and Tarrant County, Inc.- Past President
  • Dallas Fort Worth Hispanic Bankers Association- Past President
  • Dallas Area Habitat for Humanity- Former Board Director
  • Dallas Community Television – Former Board Director

Languages

Spanish

Timeline

Senior Vice President, Builder Sales Manager

Bank of America
09.2015 - 08.2017

Senior Vice President, Corporate and Social Responsibility

Bank of America
09.2006 - Current

Vice President, Community Development

Wachovia Bank
01.2001 - 01.2006

Executive Marketing Director

Avangard Real Estate Marketing Services, Inc.
01.1999 - 01.2001

Mortgage Banker, Emerging Markets Division

GMAC Mortgage Corporation
01.1998 - 01.1999

Trust Operations Officer

Northern Trust Bank
01.1989 - 01.1997

Trust Operations Analyst

Texas Commerce Bank
01.1984 - 01.1989

High School Diploma -

Private School

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