MARGARITA GUTIERREZ
Mortgage Loan Officer
Olney,MD
Summary
Seasoned Mortgage Lending Professional with 18 years in residential lending and retail banking. Originated mortgage loans and developed referral networks while delivering tailored financial solutions. Experienced in community outreach and affordable lending programs, fostering strong relationships with clients and industry partners. Committed to enhancing sustainable homeownership opportunities with a focus on compliance and customer service.
Overview
2
2
Languages
1
1
Certification
22
22
years of professional experience
Work History
Senior Relationship Banker / Mortgage Advisor
Truist
08.2025 - Current
- Built strong client relationships to deliver comprehensive financial solutions through consultative guidance across deposit, lending, and mortgage products. Identified home-financing opportunities and educated clients on loan options to support their homeownership and financial goals.
- Cultivated strong client relationships through personalized financial solutions and proactive communication.
- Analyzed client needs to recommend suitable banking products and services, enhancing overall customer satisfaction.
- Led onboarding processes for new clients, ensuring smooth transitions and immediate engagement with financial services.
Community Mortgage Specialist
Truist
10.2024 - 07.2025
- Delivered inclusive mortgage lending solutions supporting underserved and diverse communities, building trusted relationships and expanding homeownership opportunities through education and guidance during the home-financing process.
- Consulted with clients to assess financial goals, credit profiles, and homeownership readiness; identified appropriate loan programs, including low-to-moderate-income and first-time-homebuyer initiatives.
- Educated clients on mortgage products, down-payment assistance programs, and grant opportunities.
- Informed clients about mortgage products, down-payment assistance programs, and grant opportunities to facilitate informed decision-making in home financing.
Credit Solutions Advisor II
Bank of America
Sykesville, MD
06.2023 - 10.2024
- Delivered personalized lending solutions by evaluating client financial needs and recommending appropriate credit products. Built strong client relationships while ensuring responsible lending practices and compliance with regulatory and bank guidelines.
- Consulted with clients to identify financial goals and borrowing needs, recommending tailored lending products such as HELOCs, residential mortgage loans, and credit cards.
- Analyzed credit reports, income, assets, and overall financial profiles to recommend suitable lending solutions.
- Educated clients on loan terms, rates, and payment options, enabling informed financial decisions that align with their financial objectives.
- Partnered with underwriting, processing, and closing teams to facilitate timely approvals and maintain compliance with federal regulations, bank policies, and risk-management standards.
- Educated clients on loan terms, rates, payment options, and product benefits to support informed financial decisions.
- Identified and referred clients to additional banking and investment services, enhancing client relationships and overall financial well-being.
Mortgage Loan Officer
Truist
Hunt Valley / Baltimore, MD
01.2021 - 06.2023
- Originated consumer and residential lending solutions by building client relationships, assessing financial needs, and recommending appropriate loan products to meet client goals. Ensured compliance with regulatory requirements and bank lending policies while delivering tailored financial guidance.
- Evaluated borrower eligibility and creditworthiness for mortgage applications.
- Developed tailored mortgage solutions to meet diverse client financial needs.
- Collaborated with underwriters to expedite loan approval processes.
Mortgage Loan Officer
Bank of America
Bethesda, MD
01.2019 - 01.2021
- Originated consumer and residential lending solutions through client relationship building, financial needs assessment, and loan product recommendations, ensuring personalized financial guidance aligned with regulatory compliance and bank lending policies.
- Guided clients through mortgage application process, ensuring compliance with regulations and institutional policies.
- Evaluated borrower creditworthiness by analyzing financial documents and credit reports for loan eligibility.
- Collaborated with underwriters to streamline loan approval process, enhancing efficiency and turnaround times.
Senior Loan Processor
Home Insure
Gaithersburg, MD
10.2018 - 10.2018
- Processed loans in paperless environment, reviewing files for underwriting adherence and completeness for submission. Acted as liaison among peers, managers, clients, realtors, builders, and referral sources to facilitate communication and workflow.
- Collected documentation and ordered verifications and valuations, including VEOs, appraisals, VORs, and VOMS.
- Utilized loan-origination systems to apply guidelines for conforming, non-conforming, FHA, VA, and local programs in Maryland and DC.
Senior Loan Processor
SunTrust Mortgage
Rockville, MD
10.2016 - 03.2018
- Executed quality loan processing in a paperless environment, reviewing files for underwriting standards adherence and ensuring completeness for submission. Fostered positive relationships among peers, managers, clients, realtors, builders, referral sources, and internal partners, serving as a liaison among all parties involved.
- Collected documentation and ordered verifications and valuations; utilized loan-origination system and applied guidelines for conforming, non-conforming, FHA, VA, Maryland local, and DC local programs to ensure compliance.
- Achieved 100% customer satisfaction for the 1st and 3rd quarters of 2017.
Senior Relationship Banker / Mortgage Advisor
Bank of America, N.A.
11.2012 - 10.2016
- Delivered sales and service to consumer and small-business customers, utilizing various products and services to enhance customer relationships and satisfaction.
- Completed the full district by exceeding mortgage lending production at more than 60% of sales quota.
- Updated knowledge of full range of products and services at Bank of America through ongoing training and development.
- Maintained current knowledge of the full range of products and services offered by Bank of America through training.
Platinum Banking Specialist
Chevy Chase Bank
Laurel, MD
11.2008 - 10.2012
- Delivered direct sales and service to consumer and small-business customers, utilizing tools and techniques to strengthen customer relationships and drive satisfaction.
- Achieved top performance ranking in District II during the first quarter of 2012.
- Awarded Employee of the Month for outstanding contributions in February and October 2012.
Loan Processor II
Chevy Chase Bank
Bethesda, MD
03.2007 - 11.2007
- Managed the loan process from application through the final signed HUD-1. Prepared and uploaded documentation, underwrote applications, validated income and asset documentation, cleared conditions, and ordered VOE/VOD/VOM/VOR and other required items.
- Collaborated with processors, underwriters, and loan officers to develop solutions and address financing aspects of each loan.
- Interacted with customers to answer questions, coordinate settlement schedules, and secure required documentation.
- Ordered appraisals, title work, surveys, and condo certificates while ensuring high standards of customer service.
Cashier / Customer Service
Safeway
Darnestown, MD
03.2005 - 03.2007
- Processed diverse payment forms for groceries, issued receipts, assisted customers per company standards, greeted customers courteously, maintained efficient checkout service, answered inquiries, and promoted products and policies.
- Processed customer transactions efficiently using point-of-sale systems.
- Assisted customers in locating products and providing product information.
- Maintained cleanliness and organization of checkout areas to enhance customer experience.
Education
Real Estate Settlement Procedures Training -
Pro-USA Point / Calyx Training
MTI, USADiploma - Bilingual Secretarial Practice
Rachel Piconne Academy
Lima, PeruSkills
- Bilingual Communication
- Loan processing
- Client management
- Regulatory Compliance
- Client Relationship Management
- Customer Service
- Financial Solutions
- Client Retention Strategies
- Problem Solving
- Critical Thinking
- Bilingual proficiency
- Strong Work Ethic
Certification
NMLS #698015
Personal Information
- ID Type: NMLS
- ID Number: #698015
Languages
Spanish
Native or Bilingual
English
Full Professional
Timeline
Senior Relationship Banker / Mortgage Advisor
Truist
08.2025 - Current
Community Mortgage Specialist
Truist
10.2024 - 07.2025
Credit Solutions Advisor II
Bank of America
06.2023 - 10.2024
Mortgage Loan Officer
Truist
01.2021 - 06.2023
Mortgage Loan Officer
Bank of America
01.2019 - 01.2021
Senior Loan Processor
Home Insure
10.2018 - 10.2018
Senior Loan Processor
SunTrust Mortgage
10.2016 - 03.2018
Senior Relationship Banker / Mortgage Advisor
Bank of America, N.A.
11.2012 - 10.2016
Platinum Banking Specialist
Chevy Chase Bank
11.2008 - 10.2012
Loan Processor II
Chevy Chase Bank
03.2007 - 11.2007
Cashier / Customer Service
Safeway
03.2005 - 03.2007
Diploma - Bilingual Secretarial Practice
Rachel Piconne Academy
Real Estate Settlement Procedures Training -
Pro-USA Point / Calyx Training