JOEY GARCIA
Santa Rosa
Summary
Proactive and goal-oriented professional with excellent time management and problem-solving skills. Known for reliability and adaptability, with a swift capacity to learn and apply new skills. Committed to leveraging these qualities to drive team success and contribute to organizational growth.
Overview
28
28
years of professional experience
Work History
VP of Sales / Business Development
Loan Backup Inc
Simi Valley, CA
07.2022 - Current
- Responsible for overseeing production.
- Responsible for New Business Development (Traditional, Private/Hard Money, Bridge Loans, Commercial, Farm/Ag Lending).
- Responsible for conducting new applicant interviews and on boarding.
- Work closely with processors and underwriters.
- Responsible for overseeing Loan Applications from start to finish.
- Developed and increased volume of mortgage loan origination.
- Work closely with business partners/brokers department.
- Responsible for all aspects of recruitment campaigns.
Economic Success Program Manager
UpValley Family Centers
St Helena, CA
02.2025 - 04.2026
- Lead and oversee the Economic Success Program supporting financial stability for underserved populations.
- Supervise staff across multiple offices and satellite apartment (low-income housing) locations in collaboration with BRIDGE Housing.
- Manage all aspects of grants administration including proposals, compliance, and reporting.
- Oversee VITA Tax Clinics and maintain IRS advanced-level tax certification.
- Develop and manage program budgets and prepare funder and stakeholder reports.
- Collaborate with provider partners including EDD, Napa County agencies, Legal Services of Northern California, healthcare providers, workforce organizations, and financial institutions.
- Manage client cases end-to-end, providing direct support with financial assistance, housing placement, Medi-Cal and EDD applications, holiday assistance programs, food gift card quality review, and employment services including resume development and job application support.
Accounting Department Team Member
Agricultural Institute of Marin
San Rafael, CA
06.2021 - 10.2022
- Responsible for QuickBooks Management.
- Cash reconciliation for 7 markets consisting of 700 plus vendors/business owners.
- Create monthly billing statements for all vendors.
- Prepare monthly reports showing all cash flow and earnings.
- Prepare and coordinate bank deposits for cash drop off and pick up.
- Organized budget documentation and tracked expenses to maintain tight business controls.
VP of Production
MCapital Holdings LLC
Claremont, CA
05.2021 - 07.2022
- Responsible for overseeing company production.
- Responsible for New Business Development.
- Responsible for conducting new applicant interviews and on boarding.
- Work closely with HR department.
- Maximized quality assurance by completing frequent file reviews.
Market Manager
Agricultural Institute Of Marin
San Rafael, CA
04.2020 - 06.2021
- Responsible for Recruiting, scheduling, and coordinating with vendors and preparing site prior to market.
- Responsible for Farm Reviews/Audits (California).
- Responsible for conducting stall audits on-site at each market.
- Responsible for attending CA WIC FMNP/USDA Trainings.
- Responsible for attending CalFresh/EBT Trainings.
- Responsible for driving and maintaining company vehicles (Large Cargo Van with Trailer & Box Truck).
- Responsible for attending CCOF (Organic) meetings and training.
- Responsible for attending USDA meetings and training.
Area Manager
Texana Bank
Texarkana, TX
12.2019 - 05.2021
- Responsible for production volume and staff support to originate residential mortgage loans in accordance with policies, procedures, and guidelines.
- Responsible for New Business Development.
- Responsible for aspects of new employee recruitment.
- Worked closely with corporate Human Resources Department.
- Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals.
Division Manager
American Financial Network
Brea, CA
03.2017 - 11.2019
- Responsible for agent training.
- Responsible for New Business Development (Purchase Loans, Refinance, FHA/VA, Commercial, Private Lending).
- Managed employee relations and evaluations.
- Responsible for all aspects of new employee recruitment.
- P&L Management.
- Responsible for managing 35 plus employees.
- Identified opportunities for growth within CA, NV, WA and AZ territories and collaborated with sales teams to reach sales goals.
Field Supervisor (Seasonal Internship)
Jackson Family Wines
Santa Rosa, CA
04.2019 - 10.2019
- Performed accurate collection of vineyard performance and laboratory data ensuring company level of product quality and operational performance was being met.
- Responsible for monitoring crops for insects & diseases.
- Responsible for collecting/processing of cluster samples and working directly with each laboratory.
- Responsible for supervision and monitoring of 32 ranches.
- Liaison between ranch manager and senior wine maker.
- Administered budget, tracked expenses and documented changes.
Divisional Manager
Argus Lending
Pleasant Hill, CA
02.2016 - 03.2017
- Managed employee relations and evaluations.
- Business Development Team Lead.
- P&L Management.
- Responsible for managing 20 employees.
- Company recruiter (Interviews and on-boarding).
Regional Branch Manager
Neighbor's Financial Corporation
Rohnert Park, CA
10.2012 - 02.2016
- Responsible for Team trainings.
- New Business Development lead.
- Managed employee relations and evaluations.
- P&L Management.
- Responsible for managing 18 employees.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
Recruiter / Vineyard Management (Part-Time)
Santa Rosa Farm Consulting, SRF Consulting
Santa Rosa, CA
01.2014 - 04.2015
- Partnership venture with one other seasoned ranch manager and licensed FLC.
- On-Site Team Supervision (three vineyard locations) / 40 plus employees.
- Responsible for coordinating with growers on maintenance of grapes and organizing contracts.
- Payroll.
- Employee recruitment and On-Boarding.
- Responsible for providing proper safety training and personal protective equipment for all vineyard staff.
- Leveraged social media platforms and online job boards to advertise open positions and engage potential candidates.
Mortgage Loan Officer / Mortgage Banker
U.S. Bank
San Francisco, CA
10.2012 - 02.2013
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated them to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Implemented sales strategies that established relationships with realtors and CPAs.
Mortgage Loan Officer / Mortgage Banker
JP Morgan Chase & Company
Rohnert Park, CA
08.2010 - 10.2012
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated them to match current standards.
- Fielded customer complaints and provided solutions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Proactively identified solutions for customers experiencing credit issues.
Realtor / Property Management
CENTURY 21 Alliance
Healdsburg, CA
01.2009 - 08.2012
- Assisted buyers with finding ideal homes by assessing needs, requirements and budgets.
- Wrote contracts to outline sales and purchases of properties.
- Collected rent payments from tenants.
- Compared recently sold area properties to determine competitive market prices.
- Negotiated contracts with buyers and sellers to maximize customer savings.
- Helped stage homes for optimum showings and photography.
Consultant / Notary Public
GFS Consulting & Notary Services
Santa Rosa, CA
03.2008 - 05.2011
- Prepared income tax returns for various clients.
- Provided on-site mobile notary services.
- Provided on-site mobile fingerprint (Live-Scan) services.
- Managed digital database and physical file systems.
- Performed wide-ranging administrative, financial and service-related functions.
- Ordered and distributed office supplies while adhering to fixed office budget.
Loan Officer / New Agent Trainer
Investors Trust Mortgage Corporation
Santa Rosa, CA
05.2003 - 02.2009
- Rookie of the year (awarded top production status in 2004).
- Top producer (05, 06, 07, 09).
- Responsible for creation and delivery of personal marketing materials.
- Gathered and organized supplementary material to support structured lessons.
- Assessed agent needs to develop effective training plans.
- Worked with underwriters to fix application problems and resolve issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Compiled closing packages for drafting and presentation accuracy.
Director Of Operations
Valley Of The Moon Boys & Girls Club
Sonoma, CA
06.2002 - 05.2003
- Successful recruitment of new donors.
- Responsible for organizing/attending board meetings.
- Organized a successful satellite program (aquatics) at the local school.
- Monitored budget and utilized operational resources.
- Interviewed and hired strong candidates for team openings, using newspapers, job boards and social media to find applicants.
- Supervised 23 employees, overseeing efficiency of programming and activities.
Clubhouse Manager (Unit)
Petaluma Boys & Girls Club
Petaluma, CA
08.2000 - 06.2002
- Established successful relationships with local schools and was granted permission to organize a Teen Center on campus (recruited 80 new members).
- Increased membership by 50%.
- Successfully raised emergency reserve of five months program expenses.
- Secured donations from a local paint company to paint our clubhouse.
- Responsible for attending local community training (alcoholism, parenting, and youth gang prevention).
- Responsible for managing 11 staff members.
- Responsible for managing the clubhouse budget.
Athletic Director
Boys & Girls Club of Windsor
Windsor, CA
09.1998 - 08.2000
- Successfully organized 'Homework Club' at the local school.
- Helped our club basketball team receive invitation to compete in the Jr Goodwill Games (Sponsored by NIKE).
- Attended local community training (gang prevention and youth supervision).
- Helped club members obtain invitation to appear on Disney Channel 'Z-Games'.
- Ordered equipment for all sports and kept meticulous records on athletic equipment inventory.
- Oversaw referee salaries, pay rates and all other program budget aspects.
Education
Business Management Certificate Program -
University of Phoenix
Novato, CAAssociate of Arts - undefined
Santa Rosa Junior College
Santa Rosa, CAHigh School Diploma - undefined
Watsonville High School
Watsonville, CASkills
- Bilingual Professional (English/Spanish)
- QuickBooks
- Property Management/Real Estate
- CRM Tracking
- Farm Audit and Review
- Event Management
- Youth Program Management (Non-Profit)
- VITA Volunteer Tax Program / Management
- Sales reporting
- Product positioning
- Sales strategy execution
- CRM management
- Salesforce proficiency
- Business networking
- Lead development
- Database management
- Staff management
Additional Information
CTEC License (Taxation), Fingerprint License (DOJ-FBI Cert), NMLS, Department of Real Estate, Health & Fitness Cert, Notary Public, OSHA, Human Resources, Farm Labor Contracting
Languages
Spanish
English
Timeline
Economic Success Program Manager
UpValley Family Centers
02.2025 - 04.2026
VP of Sales / Business Development
Loan Backup Inc
07.2022 - Current
Accounting Department Team Member
Agricultural Institute of Marin
06.2021 - 10.2022
VP of Production
MCapital Holdings LLC
05.2021 - 07.2022
Market Manager
Agricultural Institute Of Marin
04.2020 - 06.2021
Area Manager
Texana Bank
12.2019 - 05.2021
Field Supervisor (Seasonal Internship)
Jackson Family Wines
04.2019 - 10.2019
Division Manager
American Financial Network
03.2017 - 11.2019
Divisional Manager
Argus Lending
02.2016 - 03.2017
Recruiter / Vineyard Management (Part-Time)
Santa Rosa Farm Consulting, SRF Consulting
01.2014 - 04.2015
Regional Branch Manager
Neighbor's Financial Corporation
10.2012 - 02.2016
Mortgage Loan Officer / Mortgage Banker
U.S. Bank
10.2012 - 02.2013
Mortgage Loan Officer / Mortgage Banker
JP Morgan Chase & Company
08.2010 - 10.2012
Realtor / Property Management
CENTURY 21 Alliance
01.2009 - 08.2012
Consultant / Notary Public
GFS Consulting & Notary Services
03.2008 - 05.2011
Loan Officer / New Agent Trainer
Investors Trust Mortgage Corporation
05.2003 - 02.2009
Director Of Operations
Valley Of The Moon Boys & Girls Club
06.2002 - 05.2003
Clubhouse Manager (Unit)
Petaluma Boys & Girls Club
08.2000 - 06.2002
Athletic Director
Boys & Girls Club of Windsor
09.1998 - 08.2000
High School Diploma - undefined
Watsonville High School
Associate of Arts - undefined
Santa Rosa Junior College
Business Management Certificate Program -
University of Phoenix