OSCAR E. COMEAU
San Antonio,TX
Summary
Bilingual Inside Sales Professional with over 15 years of experience in the mortgage lending and tech industries, honing sales skills and perfecting the ability to build rapport with clients. Expertise in consultative selling strategies, inbound and outbound phone sales, B2B inside sales, and faceto-face property sales presentations. Actively listens to clients, understands their unique needs and pain points, and effectively convinces them to buy. Proficient in Salesforce software and excellent time management skills. Consistently achieves long-term business success and increased profits. Clients are consistently satisfied with the assistance and appreciate the commitment to their success. Diverse industry experience allows for a comprehensive understanding of different sectors and the ability to adapt to various business environments.
Overview
20
20
years of professional experience
Work History
General Manager/Owner/Operator
Refrigeration Services
San Antonio, TX
09.2018 - Current
- Note: Converted hobby to FT, but flexible employment after learning of son’s sudden Medical Hardship. Diagnosed with rare pancreatic disorder, needed surgeries, many doctor visits and fathers help.
- Collaboration with vendors, critical thinking on operations and all daily functions including purchasing, sales, negotiation, installation and unit servicing.
- Consulted with customers to assess needs and propose optimal solutions.
- Devised processes to boost long-term business success and increase profit levels.
Vacation Ownership Sales Representative
Wyndham Vacation Ownership
San Antonio, TX
11.2017 - 08.2018
- Conducted 30-45 minute face to face presentations with couples to sell $40k-$80,000 vacation ownership packages.
- Greeted customers and helped with product questions, selections and purchases.
- Helped customers complete purchases, locate items and join reward programs.
- Offered each customer top-notch, personal service to boost sales and customer satisfaction.
B2B Account Executive
Time Warner Cable Business Class/Spectrum
San Antonio, TX
05.2013 - 10.2017
- Received B2B inbound sales calls and selected correct product based on customer needs, product specifications and applicable regulations. Services offered were fiber and high speed Internet, new phone lines, cable, and security systems.
- Collaborated with internal engineers, sales managers and new business clients insuring proper and timely installations were completed.
- Prepared and deliver customer sales quotes.
- Demonstrated consistent track record of overachieving sales quotas, customer service and loyalty program standards.
- Recorded accurate and efficient records in customer database.
- Increased sales with execution of full sales cycle from initial lead processing through conversion, upselling and closing.
Senior Mortgage Underwriter in Court Mediation
WELLS FARGO
San Antonio, TX
04.2011 - 04.2013
- Represented Wells Fargo in out of state court ordered mediation hearings. While in Court, underwrote borrowers current financials and was asked to render approval or denial decision to Judge.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluated solutions with success approval and quality rating of 99% with third best rating in company.
- Managed ongoing pipeline of 30 to 40 application for modification requests.
Senior Mortgage Mediation Underwriter
Wells Fargo
San Antonio, TX
09.2010 - 03.2011
- Accountable for underwriting automated and manual portfolio loan modification assistance requests using new underwriting guidelines to accommodate implementation of Federal Governments HAMP program.
- Consistently surpassed company’s underwriting production by over 150% and quality rating above 98% of objectives which led to being promoted to Senior Mortgage in Court Mediation Underwriter.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Verified integrity of applicants' information to minimize fraud.
- Balanced risk against profitability in modification approval to make optimal business decisions and guided junior team members in making similar critical decisions.
Dpt. Lead and Senior Retention Pay Off Specialist
World Savings/Wachovia
San Antonio, TX
11.2007 - 08.2008
- Fielded inbound pay off calls with concerted emphasis and adept negotiating strategies successfully achieving highest retention rates of existing portfolio customer loans being refinanced with competitor financial institutions.
- Empowered with unique ability to offer portfolio customers calling in for pay off loan request letters, special interest rate lowering modification plans if qualified through rapid and careful analysis of current loan terms in order to keep as continued customers.
- Use of essential problem solving skills and accurately made decisions to implement strategies bringing about immediate customer results and satisfaction for retention.
- Consistently surpassed company expectation goals in both production and quality. Ranked in top 3 of 98 in department during entire time while in retention position.
Field Loan Officer - Bilingual
Home Loan Experts/World Savings
San Antonio, TX
01.2005 - 10.2007
- Developed and maintained strong working relationships with local real estate agents and new home construction sales representatives.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Advised clients on one to two different mortgage loan products based on said individual needs with easy to understand explanation on differences of each.
- Submitted loan applications to underwriter for verification and recommendations.
- Received both regional and national recognition plaques for being number 3 loan officer with most funded loans from 127 field loan officers nation wide.
- Promoted to Lead position as Senior Retention Pay Off Specialist - Bilingual
Loan Officer
World Savings
San Antonio, TX
01.2004 - 01.2005
- Consistently ranked In top 10 of 128 loan reps with best % of leads received vs sales conversion.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Recommended loan approvals and denials based on customer loan application reviews.
- Monitored pipelines to track and log status of loans.
- Promoted and hand picked to start World Saving’s newest National Brokerage Division, “Home Loan Experts” in San Antonio, Texas.
Education
High School diploma -
Theodore Roosevelt High School, San Antonio, TX
San Antonio, TXSkills
- Acquiring New Customers
- Inbound sale Call proficiency
- Customer Experience
- Excellent Verbal and Written Communication
- Active Listening Skills
- Industry Expertise
- Client Satisfaction
- Salesforce Software
- Sales Expertise
- Product Analysis
- Preparing Proposals
- Effective Project Management
- Problem Resolution
- Contract Processing
- Professional Relationships
- Portfolio Management
- Operational Analysis
- Effective Communicator
- Marketing Tactics
- Issue Identification
- Client Account Management
- Profit and Loss
- Time Management
- Team Oversight
- Networking Abilities
- Team Leadership
Languages
English
Full Professional
Spanish
Full Professional
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
General Manager/Owner/Operator
Refrigeration Services
09.2018 - Current
Vacation Ownership Sales Representative
Wyndham Vacation Ownership
11.2017 - 08.2018
B2B Account Executive
Time Warner Cable Business Class/Spectrum
05.2013 - 10.2017
Senior Mortgage Underwriter in Court Mediation
WELLS FARGO
04.2011 - 04.2013
Senior Mortgage Mediation Underwriter
Wells Fargo
09.2010 - 03.2011
Dpt. Lead and Senior Retention Pay Off Specialist
World Savings/Wachovia
11.2007 - 08.2008
Field Loan Officer - Bilingual
Home Loan Experts/World Savings
01.2005 - 10.2007
Loan Officer
World Savings
01.2004 - 01.2005
High School diploma -
Theodore Roosevelt High School, San Antonio, TX
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