Joaquin Garuz

-Originated and underwrote $14.5 million in commercial and residential loans through volatile market conditions and tightening of credit guidelines -Assisted brokers as liaison with individual files to ensure completeness and accuracy prior to submission by providing preliminary analysis of borrower's repayment capabilities, credit worthiness and collateral review -Visited and serviced established Corporate Wholesale Brokers on a routine basis. Developed and secured new broker business through direct mar

-Originated, processed and closed $38.4 million in commercial and residential loans -Reviewed credit reports, analyzed income statements and tax returns, and underwrote the borrower’s repayment ability and financial condition -Ensured timely closing of loans by maintaining constant communication throughout the entire loan process with borrowers, appraisers, lenders, title companies and Realtors

-Hired, trained and supervised staff of six. Managed departmental budget; established productivity goals; and lead cross-functional teams in key projects -Trained new customers on the requirements and procedures of the service offered and programmed point of sale equipment -Established and maintained relationships with over 8,000 customers nationwide, credit card merchants and main suppliers