Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Rafael Armestar

Sugar Land,TX

Summary

Dynamic professional with a proven track record, excelling in business development and consultative selling. Expert in insurance dispute resolution, I foster strong client connections, driving satisfaction and loyalty. Adept at financial analysis, I consistently deliver tailored solutions that address complex challenges and enhance client outcomes.

Overview

14
14
years of professional experience

Work History

Client Relationship Manager

The Lane Law Firm
Houston, TX
12.2017 - 06.2025
  • Cultivated strong relationships with roofers and contractors to attract new clients who have been denied or underpaid by insurance companies.
  • Managed client and referral partner relationships, followed up on leads, and utilized technology tools to drive sales.
  • Obtained essential insurance documents from clients and roofers for a thorough review and analysis.
  • Gathered a defined list of documents and information from clients and partner roofers at prescribed times.
  • Documented and logged all related insurance dispute activities on the firm's platforms.
  • Maintained a personal sales and marketing dashboard to manage leads and related tasks.
  • I took a consultative approach to uncover a comprehensive view of clients' insurance cases and legal challenges.
  • Responded to clients’ questions and concerns, and offered plans of action, strategies, and customized solutions to financial challenges, which include foreclosure defense, modification of mortgage loans, and commercial debt.
  • Worked with the legal team to deliver solutions from the beginning to the end of the service plan, while maintaining a close business relationship with the client.
  • Reviewed portfolios regularly to determine how market and regulatory changes might impact cases, while identifying opportunities to deepen relationships with clients.
  • Consistently practiced and advocated the firm’s values of exhibiting leadership, teamwork, and doing the right thing for the client.
  • Utilized effective sales skills to achieve the law firm's goals and client satisfaction.

Mortgage Loan Officer

Regions Bank
Sugar Land, TX
03.2016 - 12.2017
  • Successfully handled the loan process, beginning with origination, setup, underwriting, processing, closing, and funding.
  • Reviewed and analyzed automated investor guideline findings to identify income, credit, and asset conditions.
  • Structured loan products according to customers' needs and financial objectives.
  • Analyzed and evaluated financial statements and cash flow projections for sole proprietors, partnerships, and corporations.
  • Documented findings and prepared independent recommendations on the advisability of granting credit for business clients.
  • Marketed and sold financial products and solutions, including Conventional, FHA, Construction/Renovation, VA, Doctor, Emerging Professional, and other portfolio loans, to bank clients, outside customers, and referral partners.
  • Trained and managed bankers and branch managers in product knowledge and achieved significant improvements in their referrals and productivity.

Sr. Loan Originator

First Choice Loan Services Inc.
Houston, TX
06.2015 - 03.2016
  • Assessed customer needs, explored all options, and introduced different types of loan programs.
  • Managed, oversaw, and monitored the entire loan process from beginning to end, which included marketing, origination, loan set-up, processing, underwriting, closing, and funding stages.
  • Developed referral networks to increase the number of quality loan applications.
  • Prepared, assembled, and exported full loan application packages so they can be readily available for loan processors and set-up teams.
  • Identified risks involved in lending by thoroughly examining credit trade lines, unsatisfied judgments, and possible liens on credit reports.
  • Reviewed documents to determine if the buyer, property, and/or loan conditions met investor standards.
  • Calculated debt-to-income ratios based on individual and/or business income in relation to proposed principal, interest, taxes, insurance, association fees, and existing debt.
  • Tracked the processor's progress in meeting the underwriter's conditions, such as verification of income, employment, title commitment, appraisal completion, and prompt acquisition of IRS transcripts.
  • Reviewed appraisal reports to ensure that borrowers understood them, and that possible appraiser repair recommendations were followed through and completed in a timely manner.

Sr. Mortgage Banker

Bank of Texas
Houston, TX
03.2011 - 03.2015
  • Sold loan products, programs, and services to existing and new customers.
  • Reviewed customer financial scenarios and developed customized solutions to their needs.
  • Thoroughly reviewed tax returns for sole proprietors, partnerships, and corporations to determine the average income for the previous two years.
  • Presented planned sales strategies and developed methods and procedures for meeting monthly and quarterly sales goals to the area management team.
  • Reviewed the borrower's financial scenarios and made product recommendations based on their needs, while cross-selling other bank products and services.
  • Verified loan applications for completeness, accuracy, and consistency.
  • Recommended procedures to minimize processing delays by improving communication and ensuring that financial client documentation is delivered to the proper departments in a timely manner.

Education

Bachelor of Business Administration in Finance

University of Houston
Houston, TX
12-1999

Skills

  • Business development
  • Client relations
  • Effective communication
  • Analytical skills
  • Product awareness development
  • Mentoring and coaching
  • Problem solving
  • Insurance claims processing
  • Consultative selling
  • Client relationship management
  • Customer service
  • Financial analysis
  • Document management

Languages

Spanish
Native/ Bilingual

Timeline

Client Relationship Manager

The Lane Law Firm
12.2017 - 06.2025

Mortgage Loan Officer

Regions Bank
03.2016 - 12.2017

Sr. Loan Originator

First Choice Loan Services Inc.
06.2015 - 03.2016

Sr. Mortgage Banker

Bank of Texas
03.2011 - 03.2015

Bachelor of Business Administration in Finance

University of Houston

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