A highly resourceful and innovative sales professional with a proven record of accomplishment of successful sales in diverse industries. Well-developed communication skills combined with the ability to identify decision-makers, have contributed to My success in building relationships with all levels of professionals and Executive management. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Hi, I’m
Oscar Sanchez
Miami,Florida
Summary
Overview
34
years of professional experience
Work History
Prosperity Home Mortgage
Mortgage Consultant
09.2022 - 05.2023
Job overview
- Oversaw sales and underwriting processes of mortgage lending office.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Amerant
Mortgage- Assistant Vice President Mortgage Loan Officer
11.2021 - 05.2022
Job overview
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Reviewed incoming correspondence and drafted appropriate responses for CEO and other high-level stakeholders.
- Allocated work assignments and tasks to comprehensively manage administrative projects.
- Participated in organization re-branding and targeting of new markets and programs to attract and retain members.
- Increased company growth through collaboration with sales and marketing departments.
Cardinal Finance
Residential Loan Officer
12.2020 - 10.2021
Job overview
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with customers to secure best deal.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Guaranteed Rate
VP, Mortgage
01.2020 - 12.2020
Job overview
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Increased company growth through collaboration with sales and marketing departments.
- Aligned organizational objectives with company mission to increase business growth and integrate work strategies.
- Monitored industry trends, keeping current on latest changes and competition in industry.
Movement
Mortgage- Renovation Sales Manager
12.2018 - 01.2020
Job overview
- Met with applicants to obtain information for loan applications and answer questions about process.
- Maintained knowledge of loan products, underwriting, processing procedures and general guidelines.
- Built networking and referral systems through realtors and title companies.
- Conferred with underwriters to aid in resolving mortgage application problems.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans for commercial and consumer clients.
- Held first-time home buyer seminars with attorneys and realtors to provide education on home buying process.
- Used various forms of marketing and advertising techniques to identify potential customers such as conducting information seminars, distributing flyers and brochures and telemarketing.
Academy Mortgage
Residential/Renovation Loan Officer
02.2017 - 12.2018
Job overview
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
Prospect Mortgage
Senior Loan Officer
05.2015 - 02.2017
Job overview
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Maintained strict confidentiality of bank records and client information.
- Utilized risk management strategies to attain high loan approval rates.
- Developed strong relationships with customers through high levels of customer service.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Helped college students obtain financial aid through loan programs.
Florida Community Bank
Loan Officer
05.2014 - 12.2014
Job overview
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Researched and updated industry knowledge on changing legislation and regulations.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
Wells Fargo Bank
Renovation Loan Consultant
05.2013 - 02.2014
Job overview
- Structure loans to qualify buyers for suited loan products
- Work with borrowers to evaluate different loan options, and help to ensure that they matched with the correct loan that matches their needs
- Generate FHA, Conventional, Jumbo & 203K/Conventional Renovation loans by accessing my partner referrals i.e
- Realtors, Developers, Attorneys, CPA’s, Title
- Companies, and Internal Bank Personal and Private Bankers
- Analyze personal, corporate tax returns, credit bureaus, financial statements, and personal, corporate bank statement
- Planned, created and executed renovation sales program seminars to realtors, general contractors, home inspectors, investors and potential homeowners
- Gathered all relevant documentation including the contractor bids for loan approval
- Generate FHA, Conventional, Jumbo & 203K/Conventional Renovation loans by accessing my partner referrals i.e
- Realtors, Developers, Attorneys, CPA’s, Title
- Companies, and Internal Bank Personal and Private Bankers.| Page
- Analyzed, personal, corporate tax returns, credit bureaus, financial statements, and personal, corporate bank statements
- Discuss client needs, recommending the best loan option, helping the borrower put together a complete loan package and assist the underwriting team throughout the entire loan process
- Generate FHA, Conventional, Jumbo & 203K/Conventional Renovation loans by accessing my partner referrals i.e
- Realtors, Developers, Attorneys, CPA’s, Title
- Companies, and Internal Bank Personal and Private Bankers
- Analyze personal, corporate tax returns, credit bureaus, financial statements, and personal, corporate bank statements.
JP Morgan Chase Bank
Loss Mitigation Field Analyst/Default Loss Mitigation Advisor
05.2010 - 02.2013
Job overview
- Single Point of contact for all Chase customers looking for retention/liquidation options
- Meet with customers face to face/phone to discuss all possible retention/liquidation options
- Evaluate their financial ability, intent, willingness, reason/risk for default and discuss proper solutions
- Develop and maintain partnerships with non-profit organizations, home lending officers and bank personnel to identify customers in need, and encourage referrals to the Chase
- Homeowner Centers
- Analyze mortgage, income and tax documents to determine the best options for the customers
- Continuously maintain/process pipeline for modification/short sales within treasure guidelines.
Ily’s Classic Cars
General Manager
04.2009 - 05.2010
Job overview
- Managed inventory levels and conducted corrective action planning to minimize long term cost
- Complied with company policies and government regulations to prevent and detect violations and protect the organization from fines and lawsuits
- Delivered exceptional client experience through hands on leadership for our employees
- Designed sales and service strategies to improve revenue and business retention.
Affordable Motors Inc
Manager of Operations
03.2003 - 04.2009
Job overview
- Organized and Facilitate budgets, products estimates, sales forecast and product allocations to maximize resource utilization and customer sales opportunities
- Hired and on boarded team members to meet immediate and expected demands
- Directed day-to-day operations by spearheading implementation of short term and long- term strategies to achieve business plan and profitability goals
- Secured revenues and accurate monitored cash intakes.
Wachovia Bank
Financial Specialist
02.2001 - 03.2003
Job overview
- Intensive focus on commercial deposit growth and loan production
- Consistently maintaining over $1 million/month in deposits and generating over $1 million/month in loan production
- Devised marketing strategies, secured new business, serviced and expanded the book of business on existing accounts
- Generated proactive sales calls on financial center customers and prospects
- Follow up with prospective clients and placed the highest value on customer relationships by striving toward excellent customer service
- Analyzed credit bureau, financials statements, cash flow and debt to income statements.
Conseco Finance Corp. / Green Tree Financial
Business Development Manager
07.1999 - 02.2001
Job overview
- Specialized in manufacturing and mobile home financing
- Responsible for loan production and expense accountability in tri-county area
- Developed new lead sources and established good business reporting with mobile home dealers, parks and realtors
- Top producer - ranked 2nd among 15 other managers.
Associates Consumer Finance/ Citi Financial
Marketing Director
02.1996 - 07.1999
Job overview
- Responsible for the administration and sales services of 48 branches located within the
- Dade, Broward, and West Palm Beach and Tampa area
- Business development of first and second non-conforming real estate and consumer loans
- Researched the development of new client sectors and new businesses as well as maintained strong working relationships with existing clients
- In charge of defining target market, cold calling and referral solicitations.| Page
- Head of proposal development, client presentations, meeting budgetary guidelines and providing status reports.
Associates Commercial Corporation/ Citi Financial
Collection Manager/ Credit Analyst/Assistant Credit Manager
11.1989 - 02.1996
Job overview
- Prepared monthly financial reports
- Analyzed financial statements of individuals/corporations to evaluate credit quality for commercial and real estate lending
- Prepared loan documents and assisted in credit approvals
- Oversaw all collection operations while controlling and minimizing expenses
- Responsible for $150 Million Dollar Portfolio
- Processed repossession and foreclosure reports
- Performed collateral inspections
- Monitored all bankrupt accounts with company legal team and liquidated inventory with minimum loss
- Licensure:
- Life and Fix Annuity License - #D84384
- Created daily and weekly cash reports for accounting management
- Supervised staff of collectors, monitoring phone calls and letters
- Contacted customers to collect outstanding payments via one-time or negotiated installment methods
Education
Miami Dade Community CollegeMiami, FL
Associates from Arts in Business Administration
08.1987
University Overview
Skills
- Skills & Training:
- Encompass (Mortgage)
- Point (Underwriting software)
- Microsoft Word, Microsoft Excel
- Business Development
- Customer Relationship Management
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Consultant
Prosperity Home Mortgage
09.2022 - 05.2023
Mortgage- Assistant Vice President Mortgage Loan Officer
Amerant
11.2021 - 05.2022
Residential Loan Officer
Cardinal Finance
12.2020 - 10.2021
VP, Mortgage
Guaranteed Rate
01.2020 - 12.2020
Mortgage- Renovation Sales Manager
Movement
12.2018 - 01.2020
Residential/Renovation Loan Officer
Academy Mortgage
02.2017 - 12.2018
Senior Loan Officer
Prospect Mortgage
05.2015 - 02.2017
Loan Officer
Florida Community Bank
05.2014 - 12.2014
Renovation Loan Consultant
Wells Fargo Bank
05.2013 - 02.2014
Loss Mitigation Field Analyst/Default Loss Mitigation Advisor
JP Morgan Chase Bank
05.2010 - 02.2013
General Manager
Ily’s Classic Cars
04.2009 - 05.2010
Manager of Operations
Affordable Motors Inc
03.2003 - 04.2009
Financial Specialist
Wachovia Bank
02.2001 - 03.2003
Business Development Manager
Conseco Finance Corp. / Green Tree Financial
07.1999 - 02.2001
Marketing Director
Associates Consumer Finance/ Citi Financial
02.1996 - 07.1999
Collection Manager/ Credit Analyst/Assistant Credit Manager
Associates Commercial Corporation/ Citi Financial
11.1989 - 02.1996
Miami Dade Community College
Associates from Arts in Business Administration
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