Steven Garcia
Lehi,UT
Summary
Experienced, Tri-lingual, Mortgage Loan Officer, that exceeds loan quality and production goals with success seeking to transition into retail mortgage lending. Strong dedication to guiding clients through the home financing process. Skilled in evaluating financial histories and credit worthiness to provide tailored solutions for each member's needs. Eager to leverage my expertise to drive loan portfolio growth and enhance the financial well-being of members.
Overview
10
10
years of professional experience
Work History
Corporate Mortgage Loan Officer
Mountain America Credit Union
10.2024 - Current
- Ensure exceptional member service by thorough research of loan program guidelines, and requirements to guarantee accurate processing and decision-making
- Build and maintain a strong network of business relationships, including both current and potential contacts, to create a steady stream of referrals for lending opportunities
- Conduct interviews with prospective borrowers in order to analyze financial and credit data, determine financing objectives, give advice to borrowers about products
- Partner and collaborate with Loan Coordinator to ensure all conditions are met and ensure ongoing communication with borrower
- Develop mortgage lending opportunities by reaching out to everyone involved in the transaction, creating relationships with agents outside of business
- Determine borrower's objective and goals through the use of AAA
Loan Officer
Mountain America Credit Union
Lehi, USA
02.2023 - 10.2024
- Exceed company goals in cross-sell performance, customer service, loan refinances and refinance volume
- Adhere to all regulations as required by law, including but not limited to Regulation B, FCRA, HMDA, Regulation Z and others required in my position
- Initiate and conduct closings for home equity, personal and auto loans using ALPS and BLEND
- Respond to member inquiries and referrals from my own referrals and from other CU business channels
Vehicle Sales Associate
Ken Garff
05.2021 - 12.2022
- Manage a pipeline of 50+ customers, actively extending client portfolio through walk-ins, lead lists and referrals
- Prepare forms needed for loan processing and gathered loan stipulations
- Move customers through the sales process using CRM contact
- Demonstrate products to show buyers features and their benefits to build value
- Cross sell aftermarket warranties, tire and wheel and environmental protections
- Perform a minimum of 50 outbound calls per day from lead lists to create new customers
- Provide customer responses in a timely manner through phone, text and email
Ophthalmic Technician
Utah Valley Eye Center
07.2017 - 05.2021
- Write, edit and file patient medical records while following HIPAA regulations
- Successfully multitask incoming patient needs with follow up of past patients
- Conduct follow-ups with patients to evaluate progress, promote continuity of care and improve health outcomes
- Communicate treatment plans to patient, other doctors and insurances
Missionary
06.2015 - 06.2017
- Served as zone leader, district leader, trainer, and assistant to the president
- Served all around Portugal including the island of Madeira
- Follow up with prospects through phone contact
Education
Bachelor's of Science - Biology Pre-Med
Utah Valley University
01.2022
Associate of Science -
Utah Valley University
01.2020
High School Diploma - Mathematics
Utah County Academy of Sciences
01.2014
Skills
- Inter-Personal Communication
- Adaptability and problem-solving
- Product and service sales
- Quick learner
- Self-starter with strong time management
- Marketing and networking
Languages
- English, Native
- Spanish, Native speaker utilizes daily at home
- Portuguese, Fluent in conversational speaking, learned while serving an LDS Mission in Portugal
Timeline
Corporate Mortgage Loan Officer
Mountain America Credit Union
10.2024 - Current
Loan Officer
Mountain America Credit Union
02.2023 - 10.2024
Vehicle Sales Associate
Ken Garff
05.2021 - 12.2022
Ophthalmic Technician
Utah Valley Eye Center
07.2017 - 05.2021
Missionary
06.2015 - 06.2017
Bachelor's of Science - Biology Pre-Med
Utah Valley University
Associate of Science -
Utah Valley University
High School Diploma - Mathematics
Utah County Academy of Sciences
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