FRANZ OBANDO

Trilingual Professional Loan Specialist

Elizabeth, NJ 07208

ad3jqz@r.postjobfree.com

+1-973-***-****

Goal-driven and dedicated trilingual professional (English, Spanish, and Portuguese) with experience in management, operations in finance and international business Latin American, and lending experience in the commercial and mortgage industry. Skilled in developing and maintaining operational strategy for branches through the preparation and monitoring of business plans and budgets designed to deliver all agreed objectives and targets.

With Valuable experience working as a federal employee with the US government. Authorized to work in the US for any employer

Willing to relocate to Miami, FL

Skills

• Collecting safety and managing Sensitive Data - PII

• Deep credit and analytical skills and extensive acquaintance with bank services

• SBA regulations/government lending programs, and a complete understanding of credit risk.

• Knowledge of government funding programs

• Strategic Thinking and Problem Solving

• Experience managing people of different nationalities in fieldwork

• Experience in Import and Export business from and to the USA -Latin america.

• Management of international and local air freight.

• 7 Years plus of sales experience in B2B, retail, and wholesale in the Latin American Martket, opening new markets

• Digital Marketing Experience, Meta Blueprint,and Google Activate

• Prospecting Skills, Meeting Sales Goals, Motivation for Sales, Selling to Customer Needs,

• Client Relationships, People Skills, Product Knowledge,Organization,

• Large Experience in the Lending industry.

• Proficiency in Genesis, Point, 1003,Good Faith

Stimate,HUD1,Mortgage Closing Documents,Titles & Home Insurance Policies.

• Knowledge of Dynamics 365

• Windows, Microsoft Office: Word, Excel, PowerPoint, Outlook,

• TWIC and Sea Link Cards, Global Entry

Professional Experience

Business Loan Specialist

New Jersey Economic Development Authority NJEDA

June 2023 to Present

Temporary contract for Processing MBL Micro Business Loans Responsibilities

Coordinating with clients to gather required documents and guide them through the process.

• Reviewing an applicant’s current financial situation.

• Managing documents and identifying missing information.

• Ensuring that all information provided is accurate.

• Keeping updated on lender products, policy changes and options.

• Performing preliminary reviews of prospective borrowers by systematically investigating the loan applications.

• Calculating the credit status of the loan applicants via background investigation.

• Interviewing the loan applicants to assess their qualifications for obtaining loans.

• Finalizing all the applicable non-financial and financial norms and developing loan repayment strategies.

• Managing Dynamics 365 and CRM software.

• Managing VMware Horizon.

• Reading and understanding business tax returns (forms 1040 / form 1120 / 1065 all business declaration).

• Understanding payroll forms 941, W30, and 1099.

Self-employed (Family Business)

Import Export Business

American Store

October 2021 to January 2023

Managed and operated a family business that specialized in purchasing recognized brand products at liquidation prices from the United States and selling them wholesale in the Latin American market Ecuador-Colombia

Responsibilities:

• Purchased merchandise through auctions and liquidations in Florida and the tri- state area (NY-NJ-CT & PA)

• Prepared merchandise for export by packing, labeling, and creating packing lists and invoices.

• Coordinated logistics for sending merchandise to South America, including tracking shipments, inspections, and logistics.

• Coordinated verification and customs paperwork in South America to begin the import process paperwork.

• Conducted business-to-business showrooms and sales processes.

• Digital marketing, internet sales through social media. SBA- ODA Loan Specialist

United States Small Business Administration

August 2020 to February 2021

General GS-11

Responsibilities:

COVID-19 PANDEMIC AND THE 2020 HURRICANE SEASON

• Process home and/or business loans and make recommendations on collateral needed to secure loans.

• Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

• Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

• Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

• Process loan applications on web-based computer system.

• Respond orally and/or in writing to applicants or their representatives.

• SBA's Office of Disaster Assistance, enjoy challenging but satisfying work and join a highly motivated and diverse team that helps families and businesses rebuild their lives after a disaster.

Census Field Manager

United States Department of Commerce

January 2020 to August 2020

Responsibilities

• Oversee the activities of field data collection and directly supervise an assigned team of Census Field Supervisors and office support clerks.

• Directly supervise approximately 10-15 Census Field Supervisors, 250- 300 Enumerators and approximately 3-5 clerks.

• Provide group and individual training, monitor daily assignments and provide advice and guidance to subordinate staff.

• Establish an effective working relationship with hard to enumerate populations or with specific populations indigenous to the area which incumbent is responsible for, including community, religious, or other characteristics.

• Assure that specific levels of quality and progress o field operations are being met through analysis of various computer-generated reports and observation.

• Review and analyze cost, quality, and progress reports to assure operations are coordinated within prescribed time allocations and quality and cost-efficient standards.

Manager- Import/Export Business

MI CASA Consultants

March 2012 to December 2019

IMPORTADORA MIA STORE

• Managed the import and export compliance policies, procedures and programs to ensure all import and export activities comply with U.S. And foreign government laws & regulations.

• Managed - development, implementation and maintenance of import and export compliance policies and procedures.

• Obtained necessary information to process and complete letters of credit and related financial transactions.

• Processing and requested Lending options, Commercial and personal lines of credits

• Developed and executed risk assessments of import and export compliance programs to ensure that all sites follow established policies and procedures.

• Overseen all import and export activities, such as paperwork completion and monetary transactions, in a timely manner; consulting with legal experts as needed to resolve any legal compliance issues or concerns.

• Conducted training on government laws, rules and regulations as they pertain to organizational products, services and technologies.

• Obtained necessary information to process and complete bill of lading.

• Purchase merchandise, Auctions - Liquidations in the states (Miami - Tri state area NY-NJ-CT & PA- LA) preparing the merchandise for exporting, packing, label, packing list, invoice

• Coordinate the Logistic to send to South America, tracking sending, inspections and logistics.

• Coordinate the verification and paper works in South America to begin the Import process paper works.

• Showrooms and sales process business to business

• Internet Sales by social media

Insurance Agent/ Financial Advisor

NEW YORK INSURANCE COMPANY - Saddle Brook, NJ

2010 to 2012

• Developed base for long-term sources of clients by using referrals, occupational, and special-interest groups to compile lists of prospects.

• Approached potential clients by utilizing mailings and phone solicitation; making presentations to groups at company-sponsored gatherings; speaking publicly to community groups on the subject of financial well-being.

• Determined clients' particular needs and financial situations by scheduling fact- finding appointments; determining extent of present coverage and investments; ascertaining long-term goals.

• Developed a coordinated protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation.

• Obtained underwriting approval by completing application for coverage.

• Completed coverage by delivering policy; planning future follow-up visits and evaluations of needs.

• Provided death benefits by delivering policy proceeds; reassessing client needs.

• Enhanced insurance agency reputation by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.

Branch Manager/ Loan Specialist

MI CASA MI PAIS - Newark, NJ

2007 to 2012

Managed company and provided Mortgage Modification Services and Real Estate services in South America: Ecuador- Peru- Colombia

• Developed and maintained operational strategy for the branch through the preparation and monitoring of business plans and budgets designed to deliver all agreed objectives and targets.

• Ensured that the branch is adequately resourced, and staff suitably trained in order to meet agreed business objectives and targets.

• Originated mortgage loans.

• Advised about interest rates, investments and loan products.

• Conducted interviews & obtained customer's financial information. Provided financial analysis and recommendations as related to all aspects according to the customer goals.

• Assisted with HAMP Program (Home Affordable Modification Program)/Inside Modifications (Bank/ Lender options) by interviewing Clients to determine what program they may qualify for.

• Explained home retention group (HRG) options in detail; provided HRG package status.

• Ensured all contact codes and supporting comments are documented on every loan.

• Managed Escrow accounts (Taxes, Insurance, PMI and Association Fees)

• Corresponded with customers, brokers, title companies, attorneys and Sheriff office via phone and correspondence concerning accounts in any phase of delinquency, foreclosure and modification status to evaluate the feasibility of repayment plan, forbearance, modifications, short sale, Deed in Lieu, a pre- foreclosure/charge-off remedy.

Commercial / Residential Loan Officer

MONTGOMERY MORTGAGE CAPITAL - Parsippany, NJ

2005 to 2007

• Originated mortgage loans.

• Counseled customers, taking applications, conducted preliminary underwriting reviews,

• Submitted loan applications to process and underwriting for approval.

• Followed -up to ensure that customers need is being meet. Commercial / Residential Loan Officer

NATIONAL WHOLASELE LENDING GROUP - Union, NJ

2004 to 2005

• Found potential clients, individuals or businesses, in need of loans;

• Specialized in commercial, consumer, and mortgage loans;

• Acted as salesperson, persuaded clients to obtain loans for their homes and businesses.

• Analyzed and verified the applications, provided documents and information to determine the client's creditworthiness and qualifications for the loans. Truck Driver CDL A

Porky Products - Carteret, NJ

2000 to 2004

• Responded to and researched technical questions received via phone or email from employees.

• Managed resources to meet company-wide requirements.

• Prepared manuals and computer logs and files: summarized information and prepared routine information.

• Delivery by straight trucks and Tractor trailers, trough tree state area NY- NJ- CT-PA.

• CDL A

Education

Bachelors in Business Management Science

University of Javeriana - Quito, Ecuador

1995 to 1999

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