Margarita Gutierrez
Olney,USA
Summary
Results oriented, self-starter with over 12 years professional experience in the Mortgage, Banking Industry, Customer Service and Administrative area. To gain employment with an organization in which I can utilize my experience, skills to contribute to the productivity of the office support area and to develop new horizons and get other professional challenges.
Overview
23
23
years of professional experience
Work History
Senior Banker
TRUIST
Rockville, MD
07.2025 - Current
- Led client relationship management initiatives, enhancing customer satisfaction and loyalty.
- Developed customized financial solutions tailored to individual client needs and goals.
- Mentored junior bankers, providing guidance on best practices in customer service and sales strategies.
- Analyzed market trends to inform strategic decision-making for portfolio management.
Community Lending Officer
TRUIST
Baltimore, MD
09.2024 - 07.2025
- Evaluated borrower financial information to determine loan eligibility and risk assessment
- Developed tailored lending solutions to meet diverse client needs and enhance satisfaction
- Collaborated with cross-functional teams to streamline loan processing workflows and improve efficiency
- Mentored junior staff on compliance standards and best practices in lending procedures
- Collaborated with underwriters to ensure accurate risk assessment and appropriate lending decisions.
Loan Officer
Bank Of America
Columbia, MD
01.2019 - 09.2024
- Responsible for the sales of Bank of America Mortgage Loan Products focus in residential Lending providing advice based on a full understanding of client needs as well as the Bank Mortgage products. Conforming, Non conforming, FHA, VA and their benefits by profiling for cross sell purposes. Assist mortgage loan administration with clients, attorney or appraiser document follow-up as determined through quality control or post closing review. (in training from January to April of 2019 and Cooperating with PayCheck Protection Plan from March 2020 to October 2020)
Mortgage Loan Coordinator
Bank Of America
04.2018 - 12.2018
- Responsible for assisting a team of Loan Officers preparing loans for initial approval. Updating and maintaining client information. Manage mortgage loan officer pipeline schedules and deadline time on all loans. Review supporting documentation for loan applications among other administrative duties required by management.
Sr. Loan Processor
SunTrust Mortgage
Rockville, MD
10.2016 - 04.2018
- Responsible to provide quality loan processing in a paperless work environment reviewing file for adherence to underwriting standards and ensuring completeness on underwriting submission, maintaining positive relationships between peers, managers, clients, realtors, builders, referral sources, and other internal partners acting as a liaison between all parties involved. Responsible of collecting necessary documentation, ordering verifications as (VEOS, Appraisals, VORS, VOMS) using the loan origination system, applying guidelines and metrics for different loans and programs: Conforming, Non- Conforming, FHA, VA, Maryland Local Programs, DC Local Programs delivering exceptional Customer Service. 100% Customer Satisfaction for 1 & 2nd & 3rd. quarter of 2017
SR. Relationship Banker – Mortgage Advisor
Capital One Bank, NA
11.2012 - 10.2016
- Responsible for direct sales to consumer and small business customers providing wide variety of products and services to existing and new customers using the appropriate tools and techniques to enhance and build our Customer Relationship. Originating Mortgage Loan Applications, HELOCS, Homequity Loans, Car Loans, Credit Cards, Financial Services, Commercial Banking, among others maintaining and constantly acquiring knowledge of complete line of products and services offer by Capital One by successfully completing adequate training via Capital One University among other available tools. Cooperate to the whole district by to exceed our Mortgage Lending production to over 60% of sales quota.
Loan Officer
Bank Of America
Bethesda, MD
08.2012 - 03.2013
Platinum Banking Specialist
Chevy Chase Bank
Laurel, MD
11.2008 - 10.2012
- Responsible for direct sales to consumer and small business to the most profitable Customers of the Bank providing a wide variety of products and services to existing and new customers using the appropriate tools and techniques to enhance and build our Customer Relationship.
- Achievements: Tot Performer in District II 1st quarter of 2012, Employee of the Month on February 2012, employee of the Month October of 2012.
Loan Processor
Wells Fargo (Aerotek)
Frederick, MD
11.2008 - 08.2009
- (in between Capital One)
Loan Processor II
Chevy Chase Bank
Bethesda, MD
03.2007 - 11.2007
- Responsible for the entire loan process from loan application through the final signed HUD-1.
- Prepare, upload all documentation underwrite applications, validate income and assets documentation.
- Clear all conditions incl. ordering VOE, VOD, VOM, VOR, etc.
- Closely work with processors, underwriters, and Loan Officers on solutions, creative financing, and any and all aspects of the loan.
- Communicate with Customers answering their questions, coordinating settlement schedules and on required documentation, delivered excellent customer service.
- Order appraisals, title work, surveys, condo certs, etc.
Loan Processor
Mortgage Advantage
Rockville, MD
03.2005 - 03.2007
- Handling all responsibilities of processing Real Estate Loan Applications, preparing packages to be sent to lenders, communicating with the borrowers to get all the documentation from them, ordering title work and appraisals for the property, submitting online submissions to lenders using their guidelines for loans. Worked as a processor to clear all the conditions, ordering payoffs, and coordinating with lenders and settlement companies regarding the loan packages and scheduling closing.
Jr. Loan Processor – Warehouse Division Receptionist
The Mortgage Vault, Inc.
Gaithersburg, MD
07.2003 - 03.2005
- Follow the processing from the Approval, Clear post-closing conditions, wiring the funds for purchases and refinances to sale step. Communicating with title companies, lenders, and borrowers, and assisted in Detailed Administrative duties on a daily basis. Responsible for creating, gathering data and preparing reports for the Hispanic Community.
Education
Diploma - Banking Administration
Graceland College
Lima, PeruSkills
- Bilingual – Spanish/ English
- Ability to understand the urgency
- Ability to work under pressure
- Strong work ethic combined with commitment to excellence and believe in team work
- Good typing skills
- Solving problem
- Ability to work with numbers, critical Thinking and analytical skills
Languages
Spanish
Native or Bilingual
Timeline
Senior Banker
TRUIST
07.2025 - Current
Community Lending Officer
TRUIST
09.2024 - 07.2025
Loan Officer
Bank Of America
01.2019 - 09.2024
Mortgage Loan Coordinator
Bank Of America
04.2018 - 12.2018
Sr. Loan Processor
SunTrust Mortgage
10.2016 - 04.2018
SR. Relationship Banker – Mortgage Advisor
Capital One Bank, NA
11.2012 - 10.2016
Loan Officer
Bank Of America
08.2012 - 03.2013
Platinum Banking Specialist
Chevy Chase Bank
11.2008 - 10.2012
Loan Processor
Wells Fargo (Aerotek)
11.2008 - 08.2009
Loan Processor II
Chevy Chase Bank
03.2007 - 11.2007
Loan Processor
Mortgage Advantage
03.2005 - 03.2007
Jr. Loan Processor – Warehouse Division Receptionist
The Mortgage Vault, Inc.
07.2003 - 03.2005
Diploma - Banking Administration
Graceland College