KALVIN CRUZ
Whittier,California
Summary
Financial professional with proven track record of delivering comprehensive financial advice and solutions. Known for strong analytical skills and ability to develop effective financial strategies. Collaborative team player with focus on achieving client satisfaction and adapting to changing market conditions. Mental health care professional with solid foundation in patient advocacy and support. Proven track record in managing mental health teams and enhancing patient outcomes through collaborative efforts. Known for adaptability and fostering supportive team environment while maintaining high standards of care. Active member and mentor of diversity leadership programs within my organization.
Overview
10
10
years of professional experience
1
1
Certification
Work History
FINANCIAL ADVISOR
MERRILL LYNCH/BANK OF AMERICA
01.2023 - Current
- Develop a book of business in order to meet and exceed required performance hurdles
- Effectively source prospective clients, capitalizing on referrals, assessing customer needs, referring customers to the appropriate service provider, and executing highly customized solutions to meet customer needs
- Recommend investment products and services that are suitable for prospects and clients based on their objectives, resources, time horizon, risk profile and preferences
- Balance investment growth, referral activities, customer follow up, prospect building, administrative compliance and personal growth and development according to both a day-to-day and longer-term plan
- Plan and manage resources (time, people, budget) to run a productive practice
- Establish and maintain relationship with the management team and informing management of any circumstances that require supervisory attention/review/approval as per compliance guidelines and policies
Owner
Heritage Board & Care
05.2015 - Current
- Directed daily operations, ensuring efficient workflow and high-quality standards.
- Managed inventory control systems, optimizing stock levels and reducing waste.
- Developed marketing strategies to increase brand visibility and customer engagement.
- Implemented training programs for staff, enhancing service delivery and operational efficiency.
- Connected families with essential social services such as housing assistance, mental health care, or substance abuse treatment programs, facilitating their path toward stability.
- Coordinated seamless transitions between hospitalization, outpatient services, home health care agencies, or other community resources according to each patient''s needs upon discharge from rehab settings.
SENIOR MORTGAGE BANKER - REFINANCE
LOAN DEPOT/NEW AMERICAN FUNDING
06.2021 - 01.2023
- Closed over 100 mortgage loans within first year
- Top 5 in closed loans for the region
- Conduct business in compliance with all state and federal regulations
- Analyze the income, assets, and credit rating of potential clients to determine loan financing
OUTSIDE SALES REPRESENTATIVE
BEHR PAINT COMPANY
05.2018 - 09.2020
- Grew overall sales by 70%
- Grew market share by 30% between 6 partner locations
- Provide support and energy in cross-functional coordination to enhance delivery of a consistent customer experience for the contractor segment
- Proactively communicate important business issues and opportunities to appropriate departments and management
- Put priorities and efforts on driving team success and accomplishment over individual goals
- Develop strong business relationships with customers and provide a solid understanding of their needs
- Identify training opportunities and communicate to management
- Identify new product opportunities
- Provide territory and market information to better develop sales and marketing efforts.
- Provide Service and Product Knowledge to professional channels
Paralegal
Rodriguez & Tran LLP
04.2017 - 01.2018
- Conducted comprehensive legal research to support case preparation and strategy development.
- Drafted and reviewed legal documents, ensuring compliance with applicable laws and regulations.
- Coordinated discovery processes, managing document production and evidence organization efficiently.
- Assisted attorneys in trial preparation, including witness interviews and exhibit management.
MANAGEMENT TRAINEE
ENTERPRISE RENT-A-CAR
09.2016 - 04.2017
- Top 10% in sales for the whole southern California Region
- Top ESQI (customer service ratings) at the largest branch in the region
- Developed problem-solving abilities through hands-on experience with real-life business scenarios
- Oversee projects and guide team members towards successful outcomes
Education
B.A - Individualized Studies With Emphasis in Psychology
New Mexico State University
01.2015
Skills
- Investment advice
- Relationship building and management
- Analytical thinking
- Sales expertise
- Time management
- Attention to detail
Affiliations
- Hispanic/Latino Organization for Leadership & Advancement Enterprise (through Bank of America Corporation)
- Asian Leadership Network (through Bank of America Corporation)
- Women's Exchange leadership program for Women empowerment in corporate settings (through Bank of America Corporation)
- Member of Kingdom Advisors (national Christian organization for Financial Advisors)
Certification
- SIE
- Series 7 License
- Series 66 License
- Chartered Retirement Planning Counselor (CRPC)
- Completed CFP education (scheduled exam for March 2026)
Timeline
FINANCIAL ADVISOR
MERRILL LYNCH/BANK OF AMERICA
01.2023 - Current
SENIOR MORTGAGE BANKER - REFINANCE
LOAN DEPOT/NEW AMERICAN FUNDING
06.2021 - 01.2023
OUTSIDE SALES REPRESENTATIVE
BEHR PAINT COMPANY
05.2018 - 09.2020
Paralegal
Rodriguez & Tran LLP
04.2017 - 01.2018
MANAGEMENT TRAINEE
ENTERPRISE RENT-A-CAR
09.2016 - 04.2017
Owner
Heritage Board & Care
05.2015 - Current
B.A - Individualized Studies With Emphasis in Psychology
New Mexico State University