Manager Real Estate
Resume:
Eric Meruelo
Objective Seeking a challenging and responsible position where I can
incorporate my experience and customer service skills to
provide service and profitability to clients and the company.
Experience 2009-Present Franklin American Mortgage Company
Springfield, MO
Branch Manager
Responsible To Develop the Presence of Franklin American
Mortgage for the State of Missouri.
Developing and Marketing the Retail Branch to Realtors, Home
Buyers, Business Owners, and Home Builders.
Overseeing the Training of the Loan Officers and providing
them with the resources to meet their monthly Production
goals.
Responsible for my own Loan Production of maintaining closed
loan volume of 1 million dollars a month and exceeding Revenue
for my production in addition to the Branch as well.
Servicing and Maintaining my Business Partner Referral Base.
Worked with Corporate Office to Bring New Loan Program for the
Branch that would benefit our Clients, Realtors and Loan
Officers, but also create extra Revenue and Profitability to
the Branch.
Providing Seminars and Presentations to Realtors and Companies
throughout South Western Missouri Region on Federal
Guidelines, National and State Loan Programs and How Franklin
American Mortgage can be that Support Team for their clients.
Keeping in Compliance with all Government, National, and State
Loan Programs such as, FHA, VA, Conventional, USDA and
Missouri Bond Program.
2007- 2009 OakStar Bank
Springfield, MO
Mortgage Loan Officer
Responsible for Originating all Residential Real Estate Loans
and maintaining monthly Loan Production Volume of more than $
1 million dollars a month in Loan Production.
Developing and Maintaining my Business Partner Referral Base
which makes up 95% of my business.
Giving Constant Updates to all My Realtors on the changes in
the Mortgage Industry.
Providing the Communication to my Business Partners and
Customers as I take them through the process of being approved
for a Home Loan.
Providing Seminars, Presentations to new Realtors and tools
needed when a client is asking how to get approved for a home
loan.
Responsible for keeping up to date on Federal Guidelines and
adhering to all Bank Compliances associated with the Loan
Process.
Developing New Business and maintaining my Cliental Base
throughout the Southwest Missouri Region.
Brought To the Bank New Loan Programs that would create more
Loan Volume, Profitability to the Bank and create a Special
Niche that our other competition did not offer.
2003 - 2007 Mac- Clair Mortgage
Springfield, MO
Regional Manager for the State of Missouri
Managed a Team of 25 Loan Officers that covered an Area from
Kansas City to South Western Missouri.
Responsible for Managing and Training Employees on all aspects
of Mortgage Lending with Goal Setting and Monthly Review of
Production for all my Missouri Branches.
Responsible for my own Loan Production of $ 1 million dollars
a month and a Combined Region Volume of a minimum of $ 15
million dollars a month.
Responsible for All Compliance Reports and over seeing the
profitability of the Branches and Developing New Business
Contacts and providing the Business Partners with
Presentations and Seminars and Marketing Material so that we
could be their First Choice Lender
2001- 2003 1st Community Mortgage Springfield, MO
Senior Loan Officer
Responsible for Originating Residential Real Estate Loans that
incorporate, FHA, VA, Conventional, Non-Conforming, Commercial
Loans, 1st Trust Deeds and 2nd Mortgages for Purchases and
Refinances.
Responsible for developing and maintaining large existing
Realtor and Bank Referral Base.
Developed second branch office, in the capacity as Branch
Manager, from April of 2002 through November of 2002.
Responsible for Training new employees in all Aspects of Real
Estate Lending. Developing new business for the Branch and
maintaining existing Realtor, Bank and Clientele Base.
Working closely with Various Business Networking Groups to
develop the Real Estate Loan programs for the growing Hispanic
Community in Springfield, Nixa, Branson, Joplin and Lawrence
County area.
2000-2001 Wells Fargo Home Mortgage Springfield, MO
Home Mortgage Consultant
Responsible for originating Home Loans encompassing purchases
and refinances for FHA,VA, Conventional, Sub-Prime, 1st and
2nd Mortgages.
Developed new business by working with Realtor and Bank
Referral Base.
Developed presentations on Home Buyer Seminar Programs with
Realtors and Banks.
Attended Constant Education Programs and Seminars that Wells
Fargo provided to keep my mortgage business growing.
Responsible for Originating and processing all my loans in
addition to seeing that all files were being monitored for
Bank Regulatory Compliance.
1998-2000 Conseco Mortgage Services Springfield, MO
Senior Loan Officer/ Branch Sales Manager
Responsible for Originating, Developing and Telemarketing
business for Sub-Prime Mortgages through lead
generations on a Local and Nationwide Level.
Top Loan Originator and Credit Life Insurance Producer for the
Company. Ranked 14th Nationwide in 1998 and 1999.
Promoted to Branch Sales Manager to manage 15 Loan Officers.
Responsible for guiding and giving direction to loan officers
to achieve company goals.
1997-1998 Associates Financial
Services Springfield, MO
Senior Assistant Manager
Responsible for generating, developing and closing all Real
Estate and Personal Loans.
Responsible for Outside Business Development, generating new
Real Estate leads and maintaining a 1% 30 day delinquency rate
for all portfolio loans for the branch.
Top 1% Loan Producer for the State of Missouri in Real Estate
Loan Volume.
Managed branches in Missouri and Illinois as part of the
Management Training Program.
1996-1997 Trans America Financial Services Anaheim, Ca
BRANCH MANAGER
Responsible for Increasing Real Estate Loan production and
Decreasing Loan Delinquency.
Motivated, guided and trained employees to achieve company
goals through cross selling, telemarketing and referral
business sources.
Worked closely with the Trans America Financial Business
Director to develop new Loan Production for the branch within
the community.
Increased Real Estate Loan Production by 120% for the branch
in one month as decreased the delinquency portfolio to the
company goal of 3%. Increased Fee Income for the Branch by
80%.
1995-1996 Wells Fargo Bank
Whittier, CA
Assistant Vice President/ Branch Manger
Required to develop, manage and increase Real Estate loan and
Deposit Growth Volume.
Responsible to Develop Business Banking and Increase retention
on Checking, CD and IRA portfolios for the branch.
Top 10% Producer in personal sales for Real Estate and
Consumer Loan Products in the State of California.
Motivated, guided and trained employees to achieve required
company goals through cross selling and telemarketing.
Responsible for Complete knowledge of Banking policies and
compliance regulations and meeting the Community Reinvestment
Act for the branch.
Served on several focal boards to formulate plans to enhance
and increase volume growth for the branches in Real
Estate and Deposit Core portfolios.
1987-1995 Household International
Chicago, IL
Branch Manager Household Bank. f. s. b.
Irvine, Ca
Collection Supervisor Household Finance Corporation
Pomona, CA
Collection Supervisor Household Card Services
Irvine, Ca
Education
California State University Long Beach
Long Beach, CA 2 1/2 years
Major - Biology / Pre-Med Major
Phlebotomist for Long Beach VA Hospital / 1 year as part of
the Pre-Med Program
Skills
Windows XP, Microsoft Office, Power Point, Excel
Training
Todd Duncan Training for High Trust Sales for Mortgage
Originators and Managers, Wells Fargo Bank
Managerial Program.
Contact this candidate