CHRISTOPHER M Gonzalez
PHOENIX
Summary
Dynamic Regional Lending Specialist with a proven track record at Bank of America, excelling in loan evaluation and risk assessment. Adept at enhancing customer relationships and leading teams to achieve operational efficiency. Recognized for outstanding performance, including multiple Pinnacle Club awards, demonstrating strong problem-solving and effective communication skills.
Overview
25
25
years of professional experience
Work History
Regional Lending Specialist, Officer
Bank of America
Chandler
02.2022 - Current
- Evaluated loan applications for creditworthiness and compliance with regulations.
- Assisted clients in understanding loan products and application processes.
- Collaborated with underwriters to ensure timely processing of loan requests.
- Maintained accurate records of client interactions and loan documentation.
- Conducted risk assessments for potential borrowers using established guidelines.
- Performed due diligence reviews of potential borrowers prior to issuing new loans or lines of credit.
- Researched and resolved discrepancies related to customer accounts in a timely manner.
Interim Home Equity Manager
Bank of America
Chandler
12.2021 - 02.2022
- Led team to enhance customer service and sales operational efficiency.
- Coordinated with departments to streamline processes and reduce delays.
- Facilitated meetings to discuss strategy and operational updates with staff.
- Monitored staff performance and addressed issues.
- Coached, mentored and trained team members in order to improve their job performance.
- Resolved customer complaints and issues promptly, maintaining a positive brand image.
Mortgage Loan Officer
Bank of America Home Loans
Chandler
04.2014 - 12.2021
- Originate home equity products at point of contact
- Origination of first mortgage Purchase, Refinance, Conforming and Non-Conforming Mortgage loans
- FHA, and VA First mortgage and purchase products
- Document collection and Kept Informed Routines to assist borrowers with quicker closings
- Maintained 45 to 60 active loans while maintain required metrics for performance requirements
- Pinnacle Club 2016
- Pinnacle Club 2018
Customer Relationship Manager
Bank of America Home Loans
Chandler
06.2012 - 04.2014
- Assisted customers with completion of Request for Modification Applications (RMA)
- Utilized Sales Force to document interactions with customer requesting assistance
- Providing excellent customer service as homeowner experiences personal financial hardship
- Understanding of FHA Modification Waterfall requirements for Modification review
Mortgage Loan Officer
Bank of America Home Loans
Chandler
10.2005 - 06.2012
- Origination of first mortgage Conforming and Non-Conforming Mortgage loans
- Purchase, Refinance, and Home Equity loans and lines of credit
- FHA, and VA First mortgage and purchase products
- Document collection and Kept Informed Routines to assist borrowers with quicker closings
- Maintained 30 to 40 active loans while maintain required metrics for performance requirements
Sales Specialist
Wells Fargo Bank N.A.
Phoenix
10.2000 - 10.2005
- Originated Home Equity Loans and Lines of Credit
- Responsible for cross selling on all consumer products offered.
- Opened checking, savings, CD’s, and minor products for Wells Fargo over the phone
- Maintained sales goals to maximize quarter incentive offered
Education
High School Diploma -
Thunderbird High School
Phoenix, Az05.1999
Skills
- Loan evaluation
- Risk assessment
- Customer relationship management
- Cross-selling techniques
- Team leadership
- Problem solving
- Effective communication
- Attention to detail
- Conflict resolution
- Time management
- Proficiency in FHA, VA, conforming, and jumbo loans
- Proficiency in eligible county and BofA grant programs
- Proficiency in Solution Center/Global Policy Source
- Proficiency in Merrill specific loan products availability M100/Parent Power
References
References are available on request.
Accomplishments
- Pinnacle Award 2016
- Pinnacle Award 2018
Timeline
Regional Lending Specialist, Officer
Bank of America
02.2022 - Current
Interim Home Equity Manager
Bank of America
12.2021 - 02.2022
Mortgage Loan Officer
Bank of America Home Loans
04.2014 - 12.2021
Customer Relationship Manager
Bank of America Home Loans
06.2012 - 04.2014
Mortgage Loan Officer
Bank of America Home Loans
10.2005 - 06.2012
Sales Specialist
Wells Fargo Bank N.A.
10.2000 - 10.2005
High School Diploma -
Thunderbird High School