Summary
Overview
Work History
Skills
Timeline
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MARVIN SERMENO

Irvine,CA

Summary

Bilingual individual fluent in English and Spanish 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. Accomplished sales agent with extensive experience meeting aggressive sales goals. Skilled at building lasting relationships with customers and internal suppliers. NMLS licensed in 12 states.

Overview

8
8
years of professional experience

Work History

Debt Consultant

Americor Funding
Irvine, CA
05.2024 - Current
  • Responded to many telephone calls and emails each day, setting up appointments, answering questions, and collecting information about specific concerns.
  • Created budgets and cash flow plans to help clients become financially stable over time.
  • Evaluated client situations and recommended optimal products to meet individual needs.
  • Collaborated with marketing teams on campaigns designed to increase awareness of debt management services offered by the company.
  • Prepared budgets, financial education tools and referrals on behalf of clients.
  • Researched new methods of debt resolution including settlement offers and alternative repayment plans.
  • Answered client questions about factors affecting credit and recommended suggestions to improve credit scores.
  • Conducted extensive research to determine the best solutions for clients' debt issues.
  • Prepared presentations outlining solutions for complex debt problems.
  • Developed debt reduction strategies for clients based on their personal financial situation.
  • Calculated clients' available monthly income to meet debt obligations.
  • Analyzed credit reports, income statements, and other documents to identify areas of improvement.
  • Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.

Insurance Sales Agent

Aaa Calif
CA
07.2022 - 05.2024
  • Responded to inquiries and explained product features and service advantages to potential customers
  • Upsold products to policyholders and potential new clients
  • Increased sales through consultative sales approach and focused relationship building with new and existing policy holders
  • Rehire currently selling insurance
  • Exceeded assigned sales and retention targets each quarter by upselling insurance products.
  • Attended industry conferences and seminars to stay up-to-date on changes in regulations and trends in the insurance sector.

Loan Officer

Loan Depot
Foothill Ranch, CA
06.2021 - 07.2022
  • Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
  • Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers
  • Spent ample time with each applicant to break down complex information into terms that easy to understand
  • Adhered to federal and state compliance guidelines relative to retail mortgage lending
  • Identified valuable solutions for customers with credit problems
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports
  • Provided expert financial advice on mortgage and both educational and personal loans
  • Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.

Insurance Sales Agent

AAA
Costa Mesa, CA
01.2017 - 05.2021
  • Wrote policies, finalized documents and filed paperwork
  • Consistently ranked in the top 5% of sales production out of 300 plus insurance agents
  • Winner of diamond club award and agent of the month multiple times each
  • Also responsible for selling AAA memberships, life insurance referrals, credit monitoring, AAA credit cards and travel referrals
  • Responsible for selling, underwriting and processing insurance policies within a seven day time frame
  • Increased client retention through loyalty rewards and incentivization programs
  • Evaluated and pursued sales leads obtained through direct referrals, networking, marketing, cold-calling and lead databases

Skills

  • Debt and credit management
  • Excellent time management
  • Excellent communicator
  • Sales expertise
  • Insurance sales strategy
  • Policy management expertise
  • Cross-selling and upselling
  • Budget creation
  • Communication skills
  • Sales techniques
  • Counseling techniques
  • Credit history analysis
  • Loan restructuring
  • Financial analysis

Timeline

Debt Consultant

Americor Funding
05.2024 - Current

Insurance Sales Agent

Aaa Calif
07.2022 - 05.2024

Loan Officer

Loan Depot
06.2021 - 07.2022

Insurance Sales Agent

AAA
01.2017 - 05.2021

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MARVIN SERMENO