Leonel Gutierrez
San Diego,CA
Summary
Hardworking and passionate job seeker with strong organizational skills eager to secure Financial Aid Counselor position. Ready to help team achieve company goals.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Dedicated administrative and customer service professional proficient in student enrollment processes. Skilled at setting goals, developing plans and monitoring progress. Well-organized and personable with expertise in Microsoft Office software.
Overview
17
17
years of professional experience
Work History
Mortgage Loan Officer
Valor Lending Group
SAN DIEGO, CA
04.2021 - Current
- Meet with and interview potential and current clients to understand their lending needs including first-time mortgages, Non-QM Mortgages, Fix-N-Flip Loans, Ground-Up Construction, Commercial Loans, and refinance of existing loans
- Maintain and build relationships through networking and prospecting with realtors, builders, and community to attract new business
- Oversee all customer interactions and ensure smooth transaction by interfacing with realtors, processors, and underwriters
- Work closely with borrowers to gather and prepare all documents needed to satisfy underwriting requirements
- Review loan process by monitoring loan status, term conformity, and regulatory guidelines
- Exceed production standards by maintaining active pipeline
- View or visit property for real estate purchase or refinance
- Counsel borrowers to understand pros and cons of different loan products to determine which is best for them
- Analyzed loan applications and credit reports to determine loan eligibility and risk level
- Explained different types of loans pertaining to client situations
- Developed extensive network of referral partners to source new mortgage loan opportunities
- Developed and implemented marketing campaigns to generate new business opportunities
- Reviewed loan files and updated to match current standards
- Developed and maintained relationships with customers, lenders and other third parties
- Proactively identified solutions for customers experiencing credit issues
- Evaluated loan requests and documents to verify accuracy and completeness
- Explained very technical financial information to applicants in easy to understand language
- Analyzed potential risks and evaluated loan products to identify suitable options for customers
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Identified opportunities to cross-sell and upsell loan products to customers
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales
- Assessed loan portfolios for compliance with underwriting policies
- Established plans and payoffs for customers' loans, prioritizing control of overall costs
Loan Signing Agent
Self-employed
SAN DIEGO, CA
01.2020 - Current
- Effectively assisted Escrow clients in closing over $1 Billion in Real Estate transactions over 2 years
- Consistently planned and scheduled real estate closings with borrowers/ sellers
- Accurately notarized and completed vital real estate documentation with 98% completion accuracy, including; Deed of Trust, Grant Deed, Warranty Deed, PCOR, Signature/ Name Affidavit, Trust Certifications, Survey Affidavit, Errors and Omissions, Occupancy Affidavit, HUD/VA Application, 1003 Uniformed Residential Loan Application, Notice of Right to Cancel and Power of Attorney
- Work and adhere within established California State laws and regulations at all times
- Clarify important points in financial documents such as; closing disclosure and ALTA statements
- Developed and maintained relationships with customers, lenders and other third parties
- Evaluated loan requests and documents to verify accuracy and completeness
- Assisted customers with completing loan applications and other paperwork
Jr. Network Engineer
Axos Bank
LA JOLLA, CA
12.2022 - 06.2023
- Manage both new capabilities and day-to-day, 24x7 production support of network (core, distribution, wired & wireless access layers, WAN, and network security)
- Ensure policies, standards, and standard operating procedures for how-to documents are developed, utilized and updated
- Responsible for implementation and support of local and wide area networks at Axos as directed by more senior engineering staff
- Assist in development of network implementations
- Participate in disaster recovery, exercises and actual events
- Work with vendors, application developers, database administrators, corporate IT, and other technology groups to resolve any problems
- Assist with routine hardware and software audits of all supported systems to ensure compliance with established standards, policies, procedures, and requirements
- Document network deployment and maintain up-to-date network diagrams
- Troubleshoot and manage calls/tickets from technical services group and assist with network administration
- Provide analysis of network configuration and related documentation
- Monitor systems for network alerts and events so quick response can be provided and issues can be pro-actively addressed
- Document production systems for security, capacity, and usage
- Maintain process involved in administration, maintenance, security, backup, and recovery
- Work to expand security knowledge of banking and work-group software and to maintain current in network, mainframe, client server, and internet/intranet platforms
- Ensure that deliverables are produced within planned budget and timeframe
- Analysis, testing, documentation, implementation and support of global data technologies
- Participate in office relocations, expansions, and other infrastructure changes
Relationship Manager
Bank Of America
SAN DIEGO, CA
01.2019 - 01.2020
- Consistently achieved sales and service goals by over 30% to exceed organizational standards
- Coached associates to deepen customer relationships through "above and beyond" service approach
- Increased customer loyalty and happiness both quantitatively and qualitatively
- Consistently uncovering clients' needs to make their financial life easier
- Work with clients to achieve their savings goals and plans
- Oversee 300+ transactions biweekly to ensure accuracy, efficiency and compliance
- Provide world class customer service
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills
- Maintained knowledge on banking products and distribution to provide optimal service support
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service
- Participated in staff meetings to discuss innovative strategies to improve services
- Developed customer surveys to measure customer satisfaction and identify areas of improvement
- Analyzed customer data to identify areas of improvement and maximize customer satisfaction
- Created and maintained databases to track customer discussions and preferences for accurate, updated records
- Performed banking, business administration and financial tasks to guarantee five-star service for clients
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities
Business Development Consultant
Verizon Connect
LA JOLLA, CA
06.2018 - 01.2019
- Generate qualified appointments with key stakeholders who have decision making authority
- Consistently Maintained sales funnel of high value leads that meet BANT criteria
- Surpassed personal targets and possessed clear understanding of performance metrics
- Identified new sales opportunities and lead sources through qualification process
- Arranged potential client contacts, cultivated relationships, and followed through all service needs
- Negotiated contracts and closed sales with new and existing clients
- Maintained extensive knowledge of company products and services to provide top-notch expertise to customers
- Planned marketing initiatives and leveraged referral networks to promote business development
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads
- Fostered lasting relationships with customers through effective communication and quick response, resulting in long-term loyalty and expanded client base
Enrollment Advisor
University Of Phoenix
SAN DIEGO, CA
01.2015 - 04.2018
- Assisted potential students in making informed decisions about their educational goals, uncover concerns, obstacles, discuss available resources and help students achieve their educational and career goals
- Consistently met and exceeded organizational and team goals by providing personalized assistance and exceptional customer service
- Conducted face to face and over phone interviews and assisted students in developing and individualizing educational plans
- Participated in effective field business development activities with community colleges and organizations that consistently earned new business for University
- Consistently performed above National, College and Team enrollment averages, ensuring continuous growth and retention in school of business
- Monitored and managed potential and current student’s database
- Built relationships with students, team members and various departments to ensure effective communication and rapport is established with student across functional areas of student enrollment processes.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Generated leads through cold-calling, networking and other outreach methods.
- Communicated details about available classes, materials and services.
- Provided prospective or new students with information about educational and career planning, university resources and academic programs.
- Conducted research and identified market trends to develop better strategies for sales.
- Educated students on various financial matters and provided professional recommendations on financial aid opportunities, including: Pell Grant, Cal Grant, employer tuition reimbursement, Post 9/11 Gi Bill, Montgomery Gi Bill, Yellow ribbon programs and other financial options based on each students' individual needs.
- Finalized and processed enrollment applications
Owner - Sports Apparel Business
Self-Employed
SAN DIEGO, CA
08.2012 - 01.2015
- Successfully operated, managed and lead Sports Apparel business with 3 employees, attributing to over $100,000 in yearly sales for 2+ years.
- Put together realistic budgets based upon costs and fees for successfully operating business.
- Developed and implemented marketing strategies to generate new customers and increase sales and profit margins.
- Oversaw business budget planning and administration, accounting functions, purchasing, and bi-weekly payroll to handle financial needs.
- Interacted well with customers to build connections and nurture relationships.
Master-at-Arms
United States Navy, USN
SAN DIEGO, CA
12.2006 - 08.2012
- Lead 15+ Sailors in 2 separate commands as lead training enlisted officer
- Contributed in planning, training and execution of vital and strategic deployments around world for Expeditionary Warfare command in San Diego, CA
- Managed over $3+ million dollars in vitals assets of United States Navy for 4+ years
- Skilled at working independently and collaboratively in team environment
- Monitored and maintained CCTV and access control systems to protect personnel and assets.
- Moved around different security stations and vital areas to check on officers and adjust workflow to cover changing needs.
- Conducted regular security audits and assessments to identify potential security risks and vulnerabilities.
- Investigated and resolved security breaches to protect organization and corporate assets.
- Established and maintained close working relationships with local law enforcement officers.
- Responded swiftly to security incidents and effectively resolved security issues.
- Worked in fast-paced and high-risk environments while maintaining exceptional standards of excellence for security programs, strategies, and plans.
Education
Master of Business Administration - undefined
UNIVERSITY OF PHOENIX
April 2018
Bachelor of Science - Business, Management
UNIVERSITY OF PHOENIX
April 2015
Automotive Technology Certificate of - undefined
UNIVERSAL TECHNICAL INSTITUTE
December 2005
Skills
- Skills:
- Firm leadership and managerial capacity; instrumental in operational tasks; exceptional communication and relational adequacy; knowledge of governmental industry, education industry, operations management and overall business principles; proficient in Microsoft Office-Word, Excel, Power-point & Outlook
- Tuition assistance
- Eligibility guidelines
- Student support
- Program options
- Financial analysis aptitude
- Mortgages and Loans
- Customer Interaction
- Social Media Digital Marketing
- Business Correspondence
- Bank Secrecy Act
- Purchase Agreements
- Business Development
- Administrative Support
- Active Listening and Learning
- Financial Service Solutions
- Calculate Payments
- NMLS Registration
- Workflow Processes
- FHA Loan Processes
- Loan Approval
- Economics Understanding
- Class Scheduling
- Career Planning
- Enrollment Procedures
- Reading Comprehension
- Credit History Analysis
- School Counseling
- Financial Assistance
- Admissions Processes
- Loan Portfolio Monitoring
- Invoice Preparation
- Networking and Partnership Development
- Knowledge of VA Loan Process
- Oral and Written Comprehension
- Applicant Counseling
- Complete Loan Applications
- Client Interviews
- Closing Disclosures
Additional Information
- Licenses: , Notary Public Commission #:2453777, DRE License #:02142182, NMLS:# 2082273, Life Accident & Health or Sickness NPN#:20688963
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
If you really look closely, most overnight successes took a long time.
Steve Jobs
Timeline
Jr. Network Engineer
Axos Bank
12.2022 - 06.2023
Mortgage Loan Officer
Valor Lending Group
04.2021 - Current
Loan Signing Agent
Self-employed
01.2020 - Current
Relationship Manager
Bank Of America
01.2019 - 01.2020
Business Development Consultant
Verizon Connect
06.2018 - 01.2019
Enrollment Advisor
University Of Phoenix
01.2015 - 04.2018
Owner - Sports Apparel Business
Self-Employed
08.2012 - 01.2015
Master-at-Arms
United States Navy, USN
12.2006 - 08.2012
Master of Business Administration - undefined
UNIVERSITY OF PHOENIX
Bachelor of Science - Business, Management
UNIVERSITY OF PHOENIX
Automotive Technology Certificate of - undefined
UNIVERSAL TECHNICAL INSTITUTE
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