Leonel Beltran
Eastvale,California
Summary
Analytical professional with strong background in financial modeling and risk management. Skilled in providing financial consultations and solutions for businesses of all sizes. Astute candidate develops new strategies and processes to optimize financial operations.
Overview
10
10
years of professional experience
Work History
Real Estate Investment Portfolio Manager
RAD Diversified
Ontario, CA
06.2022 - 06.2023
- Managed over 60 investors Real-estate Investment Portfolios and over 100+ properties / investment vehicles.
- Strategized personal financial goals for each investor.
- Managed Investment portfolios over 7 million.
- Conducted detailed investment analysis, calculations and reports.
- Developed and deepened client relationships to cement profitable partnerships.
- Promoted successful investment plans with well-organized and smooth presentations.
- Orchestrated client-centered financial packages factoring in current market trends.
- Analyzed revenues, costs and expenses for operating construction projects.
- Presented results of financial analyses to clients verbally and in written form.
- Solved complex problems for senior leadership to execute on-time and under-budget projects.
- Collaborated on projects with lawyers, accountants or public relations experts.
- Reviewed and analyzed project spending throughout project life cycle.
- Helped clients make optimal decisions on amounts and timing of capitalization.
- Identified budget variances and recommended corrective actions, avoiding overruns and maintaining positive cash position.
- Presented oral and written reports on general economic trends, individual corporations and entire industries.
- Prepared Quarterly REIT Statements , Hard Money Loan Contracts, Real Estate partnership / Joint Ventures contracts , Sub- Agreements, other investment contracts and spreadsheets etc..
- Due to my great performance upper management requested me to attend multiple company Retreats/Events out of state to meet investors in person and build strong relationships. While attending retreats I would exceed company goals.
Team Lead CSR /Mortgage Loan Processor
Sprout Mortgage LLC
Irvine, CA
02.2020 - 04.2022
- Managed over 25 employees
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Created and completed loan submission packages.
- Managed conditions sent from underwriting departments.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Filed completed packages quickly and efficiently.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Checked approvals against established bank and government lending standards.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Evaluated and adjusted loan files to meet federal and secondary market regulations.
- Contacted outside sources, references and vendors to verify client financial information.
- Assisted clients with developing loan repayment plans and budgets.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
Personal Banker, Business Banker & Wells At Work
Wells Fargo
Ontario, CA
03.2017 - 01.2022
- Managed book of Business over 250 clients.
- Opening new Consumer & Business accounts, completing service requests, and submitting credit card, line of credit applications, Auto Loans, Auto Refinancing loans, Business lending, Wire transfers, Home equity Account etc.
- Scheduled face to face meetings, worked directly with product officers for treasury management, under writer's for commercial lending, and self sourced cold calling.
- Developed and executed marketing programs and general business solutions resulting in increased company exposure, customer traffic, and sales.
- Assigned tasks to associates, staffed projects, tracked progress and updated managers, partners and clients as necessary.
- Good knowledge of commercial credit policies and procedures, and bank operations policies and procedures.
- Provided daily coaching support to teller staff to enhance product knowledge and to develop client Referral skill sets. Provide cash line approvals.
- Good credit analysis and accounting skills.
- Wells At Work Advocate provided financial literacy to local Business, High School and Collages.
- Provided referrals to Home Mortgage team and worked along side Financial Advisor and Premier Bankers.
Phone Banker 2 /Team Lead Banker Coach
Wells Fargo Call Center
Rosemead, CA
10.2013 - 03.2017
- Leadership experience; ability to coach teams, exceed departmental objectives, motivate, and provide performance feedback, all in fast-paced and ever changing environment.
- Organized and prioritized workflow with daily planning and team performance assessments.
- Responded to team support questions quickly to maintain call center efficiency.
- Oversaw team of 60 agents focused on product support calls.
- Generated reports detailing metrics such as call times and satisfaction ratings.
- Engaged in continuous learning and development opportunities to promote continued performance improvement.
- Collaborated with other team leaders by providing timely status and performance reports to provide information on areas for improvement.
- 4+ years of Quality assurance experience.
Education
High School Diploma -
Upland High School
Upland, CA06.2002
Skills
- Portfolio Management
- Financial Analysis
- Critical Thinking
- Administrative Leadership
- Financing Coordination
- Employee Motivation and Guidance
- Team Relationships
- Property Management Software Understanding
- Purchase Agreements
- Real Estate Industry Understanding
- Investment Planning
- Loan Origination
- Financial Regulatory Compliance
- Financial Reporting
- Contract Management
Timeline
Real Estate Investment Portfolio Manager
RAD Diversified
06.2022 - 06.2023
Team Lead CSR /Mortgage Loan Processor
Sprout Mortgage LLC
02.2020 - 04.2022
Personal Banker, Business Banker & Wells At Work
Wells Fargo
03.2017 - 01.2022
Phone Banker 2 /Team Lead Banker Coach
Wells Fargo Call Center
10.2013 - 03.2017
High School Diploma -
Upland High School
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