Steve Garza III
Universal City,TX
Summary
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
20
20
years of professional experience
Work History
Teacher, Mathematics (HS)
Judson ISD
07.2023 - Current
- Created and developed lesson plans for over 150 students' academic needs.
- Customized instruction to meet the unique needs of each student
- Improved students' analytical skills by introducing state-of-the-art computer program technologies.
- Increased educational expertise and knowledge by participating in instructor-oriented workshops.
- Worked with staff members and teachers to design comprehensive and individualized plans to optimize student education.
- Adapted teaching methods and materials to meet students' varying needs.
President
Birds Landing Tailgating
08.2016 - Current
- Spearheaded fundraising efforts for a non-profit organization focused on supporting victims of teen dating violence
- Provided six $1,000 scholarships to victims of teen dating violence
- Have raised well over $10,000 to give back to the local community
- Cultivated strong relationships with external partners to foster collaboration and maximize resources.
- Reduced operational costs through strategic cost management initiatives.
- Implemented strategic initiatives to achieve fundraising goals and drive overall mission impact
Board Member
Springwood HOA
11.2020 - Current
- Collaborated with other board members to develop and execute programs and initiatives to advance organizational mission.
- Established and maintained strong relationships with customers, vendors and strategic partners.
- Organized and oversaw successful community events, fostering a sense of camaraderie among residents and promoting community engagement
- Led efforts to establish and enforce community rules and regulations, resulting in improved neighborhood aesthetics and property values
- Recovered 88% of homeowner past due late fees and late dues within 2 years by establishing a new payment program.
- Grown reserve budget by 32%
Underwriter
Point Digital Finance
04.2022 - 01.2023
- Managed a pipeline of over 100 borrowers
- Analyzed data to develop and implement appropriate strategies within investor guidelines to support home and business owners
- Volunteered for additional files to assist with heavy workload, demonstrating proactive initiative
- Met all SLAs and KPIs
- Experienced corporate layoff due to restructuring efforts
Underwriter
Stearns Lending
08.2020 - 03.2022
- Pipeline consisted of over 100 files
- Underwrote files in accordance with Fannie Mae, Freddie Mac, and other investor guidelines
- Specialized in Conventional purchases, rate/term refinances, and cash-out refinances for various property types
- Collaborated with a diverse team including brokers, loan officers, processors, account managers, closers, and funders to meet turn times and closing dates
- Volunteered to take on extra files during peak periods to support team efficiency
- Met all SLAs and KPIs
- Experienced corporate layoff following division shutdown
Senior Loan Processor
Cornerstone Home Lending
03.2016 - 08.2020
- Closing files varied from 20-40 per month
- Pipeline consisted of over 100 files.
- Managed loan applications from initial submission to final approval with a high level of success
- Demonstrated strong working knowledge of Encompass
- Utilized knowledge of FNMA, FHLMC, FHA, and VA guidelines to ensure compliance
- Proficient in DU and LP, FHA Connection, and VA Portal
- Skilled at accurately calculating income for salaried and self-employed borrowers
- Familiar with TRID regulations and compliance requirements
- Demonstrated excellent interpersonal, verbal, and written communication skills
- Provided exceptional customer service and built rapport quickly with clients
- Maintained a high level of accuracy and attention to detail in all tasks
- Demonstrated excellent time management skills and ability to prioritize and handle multiple tasks simultaneously
- Provided training and mentorship to new team members
- Supported leadership in identifying and addressing process and training deficiencies
Senior Operations Manager
West Corporation
11.2010 - 03.2016
- Managed branches of over 500 agents, monitored performance metrics, and implemented strategies to optimize call handling
- Monitored and enhanced call center operations by identifying and resolving system performance issues
- Achieved financial targets by estimating performance requirements and developing annual budgets
- Presented monthly, quarterly, and annual call center action plans and objectives
- Directed day-to-day operations of call center, ensuring efficient customer service and technical support delivery
- Drove continuous improvement through data analysis, coaching, and staff development
- Lowered attrition by more than 12%,
- Ensured compliance with company policies and service level agreements (SLAs)
- Regularly met monthly and quarterly KPIs in Schedule Adherence, Productivity, Quality Assurance, Customer Satisfaction
Education
Bachelor of Business Administration (B.B.A.) - Business Management Science
University of Texas At San Antonio
San Antonio, TX12.2015
Skills
- Loan processing expertise (Conventional, FHA, VA, USDA, Broker)
- Pipeline management
- Credit evaluation
- Document review
- Customer service-focused
- Ability to learn any skill, system, or need in a short period of time
- Proficient in various CRMs and systems
- Reliability
- Microsoft office suite expertise
- Google suite expertise
- Verbal and written communication
- Staff training and motivation
Timeline
Teacher, Mathematics (HS)
Judson ISD
07.2023 - Current
Underwriter
Point Digital Finance
04.2022 - 01.2023
Board Member
Springwood HOA
11.2020 - Current
Underwriter
Stearns Lending
08.2020 - 03.2022
President
Birds Landing Tailgating
08.2016 - Current
Senior Loan Processor
Cornerstone Home Lending
03.2016 - 08.2020
Senior Operations Manager
West Corporation
11.2010 - 03.2016
Bachelor of Business Administration (B.B.A.) - Business Management Science
University of Texas At San Antonio
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