Manuel Llera
Homestead,Fl.
Summary
Manuel Llera Object Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology. Professional in working with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Attentive Loan Specialist with a background in assessing credit history data and finding appropriate solutions that are perfect for customer needs. Ready for a new position where a loan evaluation background can be best utilized.
Overview
26
26
years of professional experience
Work History
Real Estate Agent
One Stop Realty
Miami, FL
02.2023 - Current
- Managed real estate transactions from initiation to closing.
- Showed residential properties and explained features, value and benefits of available homes.
- Oversaw and negotiated offers for real estate purchases on clients' behalf.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Generated lists of properties compatible with buyers' needs and financial resources.
- Advertised properties to general public via networking, brochures, ads and multiple listing services to maximize exposure.
- Presented properties to potential buyers to address questions or concerns.
- Called or emailed lapsed clients to inquire about continuing needs.
- Pushed through objectives, persuading clients to purchase by applying advanced sales techniques.
Loan Originator
Universe Financial
Miami, FL
02.2023 - Current
- Researched investor guidelines and kept up to date on program changes that affected loan processing or origination.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Managed pipeline for originated loans through closing and complete required management reports.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Improved loan applications and documentation by informing applicant of additional requirements.
Banker
Rocket Mortgage FieldHouse
Homestead, FL
04.2022 - 02.2023
- Clarified mortgage loan process details to educate borrowers.
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
- Presented and processed client loan documents and verified comprehension of essential language.
- Counseled clients on home purchasing and loan process as well as on industry topics.
- Submitted applications to credit analysts.
- Developed and maintained relationships with local real estate agents.
- Helped clients fill out loan applications and find ideal loan
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Put together and executed loan documents.
- Met with new clients and completed pre-qualification procedures.
- Built positive relationships with realtors to produce client referrals.
- Gathered client debt, credit and income information to determine loan eligibility.
- Located and suggested loan packages that met client needs and priorities.
Real Estate Agent
Equitable Co. Realtor
Miami, Fl.
01.2017 - 02.2023
- Selling, renting, and Listing in residential and investment properties in Dade/ Broward county and also in Orlando
- Proficient in developing comparative analysis reports and sales forecasting plans for both buyer
- Homebuyers and sellers, using advanced computer programs
- Developed strong pattern of sales and client loyalty
- Utilize follow up approach and cold calling to build up client base
- Showed residential properties and explained features, value and benefits of available homes.
- Managed sales pipeline by actively following up with prospects and hot leads.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Planned and coordinated open house events to move properties.
- Coordinated appointments with prospective buyers to showcase houses and plots.
- Generated lists of properties compatible with buyers' needs and financial resources.
Mortgage Loan Originator
D & F Lending
Miami, FL
12.2021 - 04.2022
- Complied applications and paperwork and double-checked for accuracy.
- Submitted applications to credit analysts.
- Developed and maintained relationships with local real estate agents.
- Approved loans that met specifications.
- Monitored loan serving agreements and loan covenants to ensure compliance.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Spent ample time with each applicant to break down complex information into terms that easy to understand.
Volume Tech / Sale Representative
ADT Security System
Kissimmee, Miami, Fl.
01.2008 - 01.2020
- Pre-wiring and Trim outs
- Trouble Shooting
- Programming Vista 10, 15, 20, DSC, GE, & Sw Pro 3000
- Demonstrate the systems to customers and answering question
- Reading Blue Prints
- Building customer accounts number
- Filling SOE paper work
- Setting the account to test
- Demonstrate presentation
- Need Analysis for clients for their specific needs and concerns
- Security view and Walk through
- Going over the protection option for their piece of mind
- Set installation dates
- Writing up contracts and writing up proposals
- Following up with clients and getting referral
- Security Cameras installs
- Running Wires
- Collecting payments
Real Estate Agent
L.M.G. Realty, Inc
Miramar, Fl.
11.2005 - 01.2008
- Selling in residential and investment properties in Dade/ Broward county and also in Orlando
- Proficient in developing comparative analysis reports and sales forecasting plans for both
- Homebuyers and sellers, using advanced computer programs
- Developed strong pattern of sales and client loyalty
- Utilize follow up approach and cold calling to build up client base
Mortgage Broker
D & F Lending, Inc
Miami, Fl.
11.2005 - 01.2008
- Obtain referrals
- Originate government and residential mortgages (condo conversions included)
- Loan origination and credit pulling
- Participate in the processing and closings of all mortgage applications
- Track market trends and continually develop networking capabilities
- Maintained vendor contact, dealing directly with investors
- Communicated closely with various lenders to obtain most effective loans for customers purchasing homes.
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
- Complied applications and paperwork and double-checked for accuracy.
Project Manager/ Sale Representative
Puig Development Inc
Miami, Fl.
10.2004 - 11.2005
- In charge of construction and sales
- Sales in condo conversions
- Drawing up purchase contracts
- Inspecting units
- Coordinate closings
- Keeping clients satisfied and updated on loan status
- Managed rent collecting
- Gathered maintenance request
- Walk thru
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Delegated work to staff, setting priorities and goals.
- Remained calm and professional in stressful circumstances and when dealing with unhappy customers, effectively diffusing situations.
- Treated associates with fairness and respect, providing recognition of accomplishments.
Real Estate Agent
Century 21 All Southside Realty
Kissimmee, Fl.
03.2003 - 10.2004
- Sales of residential and investments properties in Osceola and Orange County
- Worked on comparable market analysis, presentations, advertising, listing agreement, sales contract, leasing contracts and good communication with clients, realtors and mortgage brokers
- Showed residential properties and explained features, value and benefits of available homes.
- Increased customer satisfaction ratings by addressing issues effectively for speedy resolution.
- Scheduled home viewings with potential buyers.
- Prepared forms needed for real estate transactions, contracts, deeds, closing statements and leases.
- Communicated with inspectors, lenders and pest control companies to maintain purchase agreement terms.
Personal Banker/ Teller
Union Planters Bank
Miami, Fl.
01.2000 - 01.2002
- Customer service included answering any inquiries and problem solving
- Open new accounts, telemarketing, cold calling, weekly follow ups with customer, and assisting teller line
- Meeting loan goals where job included the organization, processing, closure and post closure work
- Assisting the Head teller balancing the vault and ATM”s
- Depositing and cashing checks
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Opened new checking, savings and lines of credit for customer accounts.
- Examined checks for identification and endorsement.
- Balanced daily cash deposits and vault inventory with zero error rate.
Teller
TotalBank
Miami, Fl.
05.1997 - 01.2000
- Cashed customer checks, verified identification and checked account balances in accordance with bank policy.
- Assisting the Head teller balancing the vault and ATM”s
- Assisting clients to the safe deposit box
- Referring clients to financial service representative for new accounts and loans.
- Kept teller window areas clean, organized and fully stocked.
- Responded and assisted customers with account inquiries and updates.
- Balanced bank's vault of daily cash for withdrawals and deposits.
Education
High School Diploma -
Miami Senior High School
Miami, FL06.1997
Licensed Real Estate Agent - Real Estate
Gold Coast Real Estate School
Miami, FL05.2003
License Mortgage Broker -
Estate & Mortgage Kambuck Resources LLC Mortgage
Orlando, FL08.2003
Mortgage Broker License - Finance
Equity Co. Realtor
Miami, FL10.2021
Skills
- Sales Forecasting
- Automated Underwriting System (AUS)
- Creditworthiness Determination
- Income Evaluation
- Complaint Handling
- Property Evaluation
- Terms Definition
- Credit History Review
- Problem Solving
References
References
References are available on request.
Languages
Languages
English
Professional
Spanish
Professional
Timeline
Real Estate Agent
One Stop Realty
02.2023 - Current
Loan Originator
Universe Financial
02.2023 - Current
Banker
Rocket Mortgage FieldHouse
04.2022 - 02.2023
Mortgage Loan Originator
D & F Lending
12.2021 - 04.2022
Real Estate Agent
Equitable Co. Realtor
01.2017 - 02.2023
Volume Tech / Sale Representative
ADT Security System
01.2008 - 01.2020
Real Estate Agent
L.M.G. Realty, Inc
11.2005 - 01.2008
Mortgage Broker
D & F Lending, Inc
11.2005 - 01.2008
Project Manager/ Sale Representative
Puig Development Inc
10.2004 - 11.2005
Real Estate Agent
Century 21 All Southside Realty
03.2003 - 10.2004
Personal Banker/ Teller
Union Planters Bank
01.2000 - 01.2002
Teller
TotalBank
05.1997 - 01.2000
High School Diploma -
Miami Senior High School
Licensed Real Estate Agent - Real Estate
Gold Coast Real Estate School
License Mortgage Broker -
Estate & Mortgage Kambuck Resources LLC Mortgage
Mortgage Broker License - Finance
Equity Co. Realtor
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