Ariel Guzman Gonzalez
San Juan
Summary
I am a highly motivated and results-oriented professional with over 26 years of experience in the sales and finance field. I have strong leadership, team management, and financial analysis skills, which have allowed me to consistently achieve and exceed the company's commercial and financial goals. I have the ability to focus on strategy and make effective decisions that help optimize processes and significantly improve profitability. I am an effective communicator, capable of establishing strong relationships with clients, collaborators, and business partners to drive the company's
growth and success.
Overview
26
26
years of professional experience
Work History
Mortgage Banker
Capital Mortgage Services Corp
San Juan
11.2018 - 04.2024
- CLIENT PRE-QUALIFICATION AND LOAN MATCHING: Conducted thorough pre-qualification assessments by reviewing clients' credit histories, income, employment status, and debt-to-income ratios to determine eligibility for various mortgage products
- Utilized advanced mortgage software to analyze financial data and recommend tailored mortgage options that align with the client's short- and long-term financial goals
- LOAN APPLICATION ASSISTANCE AND ISSUE RESOLUTION: Guided clients through the mortgage application process, ensuring all required documentation was completed accurately and submitted on time
- Collaborated directly with underwriters to resolve any application discrepancies or issues, including credit score challenges, income verification, and appraisal disputes, ensuring a seamless approval process
- CLIENT FINANCIAL EVALUATION: Conducted in-depth analyses of clients' financial profiles, including cash flow, assets, liabilities, and creditworthiness, to identify the most suitable mortgage products
- Developed customized financial strategies to optimize loan approval chances while considering future financial stability and goals
- LOAN PRODUCT SELECTION AND TERM NEGOTIATION: Advised clients on the selection of appropriate loan products, including fixed-rate, adjustable-rate mortgages, FHA, VA, and conventional loans
- Negotiated favorable terms, including interest rates, loan periods, and closing costs, ensuring alignment with the client's financial capacity and long-term planning
- MARKETING AND BUSINESS DEVELOPMENT: Led the development and execution of targeted marketing campaigns, utilizing digital platforms, direct mail, and community events to attract new clients and expand market reach
- Monitored campaign performance metrics and adjusted strategies to maximize lead generation and conversion rates
- RELATIONSHIP BUILDING AND REFERRAL NETWORKS: Cultivated and maintained robust relationships with real estate agents, financial advisors, and other industry professionals to establish a reliable referral network
- Actively engaged in community outreach and industry networking events to build a solid client base and enhance company reputation
- COMPLIANCE AND REGULATORY ADHERENCE: Ensured all mortgage processing activities adhered to federal, state, and company regulations, including RESPA, TILA, and TRID guidelines
- Conducted regular reviews of processes to ensure compliance and mitigate potential legal or financial risks
- CLIENT EDUCATION AND FINANCIAL PLANNING: Provided clients with comprehensive education on mortgage options, market trends, and the impact of economic factors on mortgage rates
- Assisted clients in understanding the implications of different loan terms and repayment plans, helping them make informed decisions that support their financial wellbeing
- LOAN SERVICING: I have performed routine borrower delinquency servicing, credit counseling with borrowers with recurring delinquencies, and debt collection functions on delinquent accounts
- POST-APPROVAL CLIENT SUPPORT: Offered continued support to client's post-approval, assisting with the closing process, ensuring timely disbursement of funds, and addressing any last-minute issues that may arise
- Maintained follow-up communication to assist with any future refinancing needs or financial advice
- PERFORMANCE REPORTING AND GOAL TRACKING: Monitored and reported on loan processing performance metrics, including approval rates, client satisfaction, and closing timelines
- Developed strategies to improve workflow efficiency and client experience, contributing to a consistently high rate of successful loan closures
- LOAN FILES: Meticulous attention to detail in reviewing and verifying documents to ensure accuracy and compliance with regulations
- Ability to manage multiple loan files simultaneously, ensuring an efficient and error-free process
- Effective communication skills to clearly and professionally interact with clients, financial institutions, and other involved departments to obtain supplemental information from outside sources to verify employment records, credit scores
- Confidentiality committed to protecting sensitive information and maintaining client privacy
- Results-oriented focused on timely completion of loan files to meet established deadlines and client expectations
- Problem-solving skills to identify and resolve any discrepancies or issues that arise during the loan evaluation and approval process
- LOAN CLOSING: High knowledge of documents and loan closing, both with attorneys, title companies, real estate agents and everything related to closings.
Mortgage Executive
VIG Mortgage Corp
San Juan
07.2009 - 11.2018
- LOAN APPLICATION AND CREDIT ANALYSIS: Analyzed complex loan applications and detailed credit reports to assess borrower eligibility, risk levels, and potential red flags
- Utilized advanced financial modeling tools to project loan performance and advise clients on the best financial paths forward
- INDUSTRY RESEARCH AND KNOWLEDGE UPDATES: Conducted continuous research on market trends, new financial products, and regulatory changes to ensure the company's offerings remained competitive and compliant
- Developed white papers and internal reports to brief senior management on key findings and strategic opportunities
- SALES STRATEGY DEVELOPMENT AND EXECUTION: Designed and implemented innovative sales strategies that targeted both existing clients and new market segments
- This included the development of cross-selling opportunities that increased annual sales by 20%, leveraging CRM tools to track client engagement and optimize follow-up actions
- REFERRAL NETWORK ESTABLISHMENT: Built and managed a network of real estate agents, legal professionals, and financial planners, resulting in a robust referral system that consistently generated high-quality leads
- Regularly conducted joint seminars and workshops with partners to educate potential clients and strengthen referral relationships
- RISK MITIGATION AND PROBLEM SOLVING: Identified potential risks in loan applications and developed strategies to mitigate these risks, ensuring compliance and minimizing exposure to financial loss
- Worked closely with legal teams to resolve any disputes or challenges that arose during the loan approval process
- CUSTOMER SERVICE EXCELLENCE: Delivered exceptional customer service by maintaining open lines of communication with clients throughout the loan process
- Acted as a trusted advisor, providing transparent and honest guidance, which led to high levels of client satisfaction and repeat business
- POST-CLOSING SUPPORT: Provided clients with ongoing support after loan closing, including assistance with loan servicing issues, refinancing inquiries, and financial planning for future home purchases or investments
- PERFORMANCE OPTIMIZATION: Continuously reviewed and optimized the loan processing workflow to improve efficiency, reduce processing times, and increase client satisfaction
- Implemented new technologies and best practices that enhanced overall operational effectiveness
- REGULATORY COMPLIANCE AND AUDITING: Ensured that all loan processing and documentation adhered strictly to compliance standards
- Conducted regular internal audits to identify and correct any non-compliance issues, thereby protecting the company from potential legal or financial penalties.
Regional Manager
Primerica Financial Services
Arecibo
02.1998 - 07.2009
- TEAM LEADERSHIP AND DEVELOPMENT: Led a team of 30+ sales professionals, providing comprehensive training and development programs that improved product knowledge, sales techniques, and customer service skills
- Consistently motivated the team to achieve and exceed sales targets through regular coaching, performance reviews, and goal-setting sessions
- SALES AND FINANCIAL PRODUCT MANAGEMENT: Managed the portfolio of insurance, investment plans, and loan products offered to clients, ensuring that each product was tailored to meet the unique financial needs of individual clients
- Provided personalized financial advice and developed strategies to optimize clients' investment returns and financial security
- CLIENT FINANCIAL ANALYSIS AND PLANNING: Conducted in-depth financial analyses for clients, creating detailed budgets, investment plans, and insurance strategies
- Worked closely with clients to understand their financial goals and risk tolerance, ensuring that all recommendations were aligned with their long-term financial objectives
- CLIENT ACQUISITION AND SERVICE EXPANSION: Spearheaded efforts to expand the client base across Puerto Rico, successfully growing the company's market share
- Organized and presented financial seminars across the island, educating potential clients on the benefits of financial planning and the company's product offerings
- OPERATIONAL MANAGEMENT: Oversaw the day-to-day operations of two office locations, ensuring that all business processes were efficient, compliant, and customer focused
- Managed budgets, set operational goals, and implemented systems to track performance and customer satisfaction
- Oversaw all office and administrative functions such as files, letters, correspondence, reports and records
- REGULATORY COMPLIANCE AND RISK MANAGEMENT: Ensured that all financial services provided were in full compliance with local and federal regulations
- Developed risk management strategies to protect the company from potential legal issues and financial losses
- CUSTOMER RELATIONSHIP MANAGEMENT: Maintained strong, long-term relationships with clients, providing ongoing financial advice and support
- Utilized CRM software to track client interactions, monitor their financial progress, and identify opportunities for additional services
- FINANCIAL EDUCATION AND CLIENT WORKSHOPS: Organized and conducted financial education workshops aimed at empowering clients with the knowledge needed to make informed financial decisions
- Topics included investment strategies, retirement planning, insurance options, and debt management
- RECRUITMENT AND TALENT DEVELOPMENT: Played a key role in recruiting and hiring new staff, ensuring that all new hires met the company's standards for professionalism, expertise, and customer service
- Developed and implemented onboarding programs that effectively integrated new employees into the team
- BUSINESS STRATEGY AND GOAL SETTING: Collaborated with senior management to develop business strategies that aligned with company goals
- Set and monitored performance targets for the team, using data-driven insights to adjust strategies and improve outcomes.
Education
BBA - Business Administration, Major Finance
Inter-Americana University
PR 0061212.2011
Skills
- Advanced Microsoft Office Suite Expertise (Macros, PivotTables, Visualizations)
- Word
- Excel
- PowerPoint
- Outlook
- Financial Software
- Spreadsheets
- Loan Processing Software
- Database Management
- Browsers and Search Engines
- Knowledge of Oral, Written, Telephone Communication
- Public Presentations
- Maintain calendar and Appointments
- Credit analysis
- Document Preparation
- Closing procedures
- Underwriting expertise
- Loan Processing
- Federal lending guidelines
- Relationship Management
- Generating referrals
- Negotiating terms
- Qualifying Customers
- Comparing products
- Portfolio Management
- Goal Planning
Languages
Spanish
First Language
English
Advanced (C1)
C1
References
References available upon request.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Mortgage Banker
Capital Mortgage Services Corp
11.2018 - 04.2024
Mortgage Executive
VIG Mortgage Corp
07.2009 - 11.2018
Regional Manager
Primerica Financial Services
02.1998 - 07.2009
BBA - Business Administration, Major Finance
Inter-Americana University
Similar Profiles
Cassandra GonzalezCassandra Gonzalez
Project Manager at Capital Mortgage ServicesProject Manager at Capital Mortgage Services
Alexis CasanovaAlexis Casanova
Customer Service Representative at Capital Mortgage Services of TxCustomer Service Representative at Capital Mortgage Services of Tx
Elizabeth OrtizElizabeth Ortiz
Senior Loan Processor at Capital Mortgage ServicesSenior Loan Processor at Capital Mortgage Services