JOSE ANTONIO GARCIA
San Francisco,CA
Summary
Mortgage lending officer with significant expertise in residential lending within the San Francisco Bay Area. Proven track record of driving market growth and forming strategic partnerships. Skilled in mortgage origination and compliance, consistently exceeding production targets while fostering strong client relationships through effective communication. Experienced in pipeline management and cross-team collaboration to improve operational efficiency.
Overview
25
25
years of professional experience
1
1
Certification
Work History
VP of Mortgage Lending
Certainty Home Lending (Guaranteed Rate)
San Francisco, CA
04.2025 - Current
- Collaborated with real estate professionals to streamline loan approvals and closings.
- Build partnerships with realtors, brokers, CPAs, and community leaders to generate referral-based acquisition.
- Managed loan origination processes using advanced mortgage software systems.
- Oversaw compliance with federal regulations in all lending practices and documentation.
Regional Home Loan Consultant
Patelco Credit Union
San Francisco, CA
01.2022 - 01.2024
- Drove member and home loan applications across multiple branches in San Francisco and East Bay
- Conducted financial education workshops and community events.
- Evaluated financial documents for loan eligibility and compliance.
- Expanded referral networks and consistently met/exceeded production targets.
Mortgage & Lending Roles
SF Fire Credit Union | Welcome Home Funding | Patch Homes
01.2019 - 01.2022
- Originated and underwrote residential loans while strengthening cross-sell opportunities and member experience.
Mortgage Loan Officer
Wells Fargo | Bank of America | Guild Mortgage | World Savings
01.2001 - 01.2018
- Managed branch territories and trained partners to enhance referral ecosystems.
- Ranked consistently as a top producer while launching new divisions.
- Assisted clients in navigating mortgage options and processes effectively.
- Processed loan documentation, ensuring accuracy and completeness throughout.
- Evaluated mortgage applications for adherence to lending guidelines.
- Cultivated strong client relationships through effective communication and support.
Education
MBA - General Studies
Golden Gate University
San Francisco, CA04-2026
B.S. - Business Administration (Marketing)
San Francisco State University
01-2016
Skills
- Territory Market Expansion
- Outside Sales & Business Development
- Strategic Partnerships
- Employer & Community Outreach
- Credit Union Growth
- Mortgage & Consumer Lending
- Workshops & Presentations
- Referral Network Development
- Pipeline Management
- Cross-Functional Collaboration
Education And Licensing
- MBA, In Progress, Golden Gate University
- B.S., Business Administration (Marketing), San Francisco State University
- California Mortgage Loan Originator License (NMLS)
Core Expertise
- Territory Market Expansion
- Outside Sales & Business Development
- Strategic Partnerships
- Employer & Community Outreach
- Credit Union Growth
- Mortgage & Consumer Lending
- Workshops & Presentations
- Referral Network Development
- Pipeline Management
- Cross-Functional Collaboration
Certification
California NMLS 453338
Timeline
VP of Mortgage Lending
Certainty Home Lending (Guaranteed Rate)
04.2025 - Current
Regional Home Loan Consultant
Patelco Credit Union
01.2022 - 01.2024
Mortgage & Lending Roles
SF Fire Credit Union | Welcome Home Funding | Patch Homes
01.2019 - 01.2022
Mortgage Loan Officer
Wells Fargo | Bank of America | Guild Mortgage | World Savings
01.2001 - 01.2018
MBA - General Studies
Golden Gate University
B.S. - Business Administration (Marketing)
San Francisco State University