Account Executive Sales
Resume:
JOE GUTIERREZ
Dublin, CA *****
E-mail: ********@*******.***
Summary Statement
Dedicated mortgage professional with 22 years of progressive experience who is thoroughly
knowledgeable in the full cycle of loans from Sales/Origination through Processing, Underwriting and
Closing/Funding. Analytical, detail oriented with exceptional skills in communication, management and
mortgage operations.
Career Highlights
Departmental Management of teams in the closing/funding departments;
Interviewed and hired employees
Reviewed performance for adherence of policies and procedures
Responsible for daily production goals
Troubleshoot office equipment and communicate with appropriate parties for resolution
Responsible for departmental privacy of customer information
Sales and Business Development
Originated mortgage loans from mortgage brokers through office calls, presentations
Maintained successful pipeline of active brokers
Trained office personnel in loan submissions
Conducted sales presentations in mortgage broker offices with Operations and Sales staff
Represented Citi Home Equity at local mortgage conventions
Created marketing material for external clients
Mortgage Operations
Loan set-up/Data Entry using associated industry-related software, with strict adherence to accuracy
Processing of retail conventional loans: constant communication with customers of documentation
requirements, managing pipelines and updating loan files on an ongoing basis
Underwriting of conventional, conforming and non-conforming retail loans and lines of credit
Implementation of due diligence, research, analytical, prioritizing and problem solving skills to each
loan while maintaining productivity and quality of service standards to both company and investors
with an end result of common sense underwriting
Drawing of loan documents: prioritizing, scheduling/coordinating with internal/external parties for
delivery of loan documents with accuracy and timeliness; proof docs drawn by others,
Funding: reviewed loan documents for completion and accuracy, ensures all closing conditions have
been satisfied, validates fees, prepare/order wire transfers, track follow-up items, delivery of closed
loan files to shipping/servicing
Post Closing: complied, researched, applied due diligence and collaborated with internal staff to
identify and obtain documentation to maintain strict adherence to internal and investor (government
sponsored enterprises) policies and procedures
PROFESSIONAL EXPERIENCE
December 2011 – June 2013
FREMONT BANK
Fulfillment Specialist/Underwriter III
Successful in a paperless environment to Underwrite FNMA/Freddie Mac Conforming/Non -
Conforming Conventional loans, DU Refi Plus, Second Mortgages.
May 2011 – Sept 2011
SEARCHLIGHT LENDING, San Francisco, CA
Sr. Account Executive, Private Money Lending
AEROTEK, San Ramon, CA June 2010 - Aug 2010
Contractor for Bank of America, Condo Co-Op Project Review Specialist
J. Gutierrez
Pg. 2
PINNACLE CAPITAL MORTGAGE, Concord, CA May 2008 - Apr 2009
Post Closing Specialist
Assisted Doc Drawers, Funders and Post Closing Department
FIRST HORIZON HOME LOANS, Pleasanton, CA Oct 2006 - Oct 2007
Account Executive
Maintained pipeline/book 250+ active Brokers in North, South and East Bay
Solicit new business
CITI HOME EQUITY, St. Louis, MO Mar 2005 - May. 2006
Account Executive
Maintained successful pipeline/book 250+ active Brokers in North, South and East Bay
Solicit new business
JP MORGAN CHASE, San Ramon, CA Oct 2001- Mar. 2005
Underwriter, Home Equity Loans
Supervised staff of 6 FTE in Closing Department
Performed credit analysis on Home Equity Loans/Lines.
FIRST NATIONWIDE MORTGAGE, W alnut Creek, CA 1998 - 2001
Senior Loan Funder, Supervisor/Lead
WAUSAU MORTGAGE CORPORATION, Pleasanton, CA 1996 - 1997
Real Estate Loan Funder
SAN FRANCISCO FEDERAL S&L, Pleasanton, CA 1994 - 1996
Real Estate Loan Funder
STANDARD PACIFIC SAVINGS, Newport Beach, CA 1991-1994
Real Estate Loan Processor/Funder
GLENDALE FEDERAL BANK, Irvine, CA 1989-1991
Real Estate New Loan Setup
References available upon request
Contact this candidate