Michael Chavez
Gilbert
Summary
Driven leader with expertise in business development, team building, and performance management, skilled in fostering client relationships and driving sales strategy. Adept at problem-solving and decision-making to enhance organizational success. Seeking to leverage these capabilities in a new role as a Branch Manager to support and grow a dynamic team.
Mortgage professional with strong background in driving sales growth and customer satisfaction. Skilled in financial analysis, risk assessment, and regulatory compliance. Proven ability to lead teams effectively, adapt to changing market conditions, and achieve results. Reliable, goal-oriented, and collaborative, with keen focus on building client relationships and delivering tailored mortgage solutions.
Overview
39
39
years of professional experience
1
1
Certification
Work History
Mortgage Sales Manager
Magnolia Bank
04.2025 - Current
- Managed customer service operations to ensure superior client experience and satisfaction.
- Created detailed reports on financial performance of the organization and presented findings to senior management team.
- Resolved customer issues promptly by providing accurate information about products and services offered.
SALES/HR MANAGER
Heartland
08.2024 - 09.2025
- Responsible for selling merchant services offerings to businesses.
- Activities include pricing, customer segmentation, customer presentations, account signup and activation, and account management.
- Primarily field sales to area businesses; depending on scale, some business may be conducted over the phone.
- Manages a portfolio of clients for the company.
- Identifies revenue opportunities and prospective clients within assigned territories through face to face meetings, telephone communications, marketing programs, and other activities as needed.
- Conducts face to face meetings with prospects to identify appropriate contacts, qualify and drive leads through the sales pipeline.
- Ensures suspect identification, planning, account qualification, and needs analysis at all prospect levels.
- Responds to customer requests for information and gives online presentations.
- Identifies and closes additional product and/or service sales with existing clients to further develop the client relationship.
- Manages client relationships and expectations during the sales cycle.
- Maintains existing/prospective client records, in accordance with company policies, to include call notes, scheduled client interactions, contact information, and other relevant client information, in the Customer Relationship Management (CRM) system; currently SalesForce.com.
- Keeps management informed of all activity, including timely preparation of reports.
- Business Development
- Loss Prevention Initiatives
- Team Building & Training Staff Retention
- Performance Management
- Strong Communication
- Leadership
- Problem-solving
- Decision making
- Time management
- Organization
- Continuously builds and develops knowledge of current product/service portfolio as well as changes and developments within the payments industry, to remain up-to-date.
Branch Manger/Responsible Individual
Amres Corporation
11.2023 - 08.2024
- Mentored and trained new employees on company policies and procedures.
- Provided support for customers by addressing complaints quickly and efficiently, displaying exceptional customer service skills.
- Managed daily operations including scheduling and budgeting, exhibiting excellent multitasking capabilities.
Area Manager
ML MORTGAGE CORP
08.2023 - 11.2023
- Directed daily branch operations, leading the team to exceed monthly sales goals.
- Oversaw daily operations including cash management, opening and closing procedures, account maintenance.
- Maintained high level of employee morale to minimize turnover and maximize customer satisfaction.
SOUTHWEST AREA MANAGER
GO PRIME MORTGAGE
11.2020 - 08.2023
- Directed all aspects of regional operations including compliance, sales marketing, administration, training, and loan officer certification.
SALES MANAGER
BROKER SOLUTIONS, INC.
05.2020 - 11.2020
- Managed customer accounts and customer relationships.
- Established relationships with key customers, providing personalized service and support.
- Provided coaching and feedback to staff on an ongoing basis in order to improve job performance.
BRANCH MANAGER/PRODUCTION MANAGER/SALES
GO PRIME MORTGAGAGE/PRIME MORTGAGE LENDING, INC.
02.2018 - 05.2020
- Directed all aspects of regional operations including compliance, sales marketing, administration, training, and loan officer certification.
- Implemented strategies to increase sales staff morale and productivity.
- Created and implemented strategies to increase loan production and achieve company targets.
- Analyzed complex financial information to determine loan eligibility and risk assessment.
- Led a team of mortgage loan officers to successfully meet and exceed sales goals.
- Developed and implemented sales strategies to increase revenue.
- Analyzed market trends and competitor activity to inform decision-making.
- Led successful negotiations with key clients to secure business partnerships.
BRANCH MANAGER
INTERNATIONAL CITY MORTGAGE
10.2014 - 02.2018
- Directed daily branch operations, leading the team to exceed monthly sales goals.
- Oversaw daily operations including cash management, opening and closing procedures, account maintenance.
REGIONAL MANAGER
EMORTGAGE MANAGEMENT
06.2017 - 08.2017
- Monitored employee performance against established standards while providing coaching as needed.
- Managed a team of 20+ employees, providing training and mentorship while ensuring adherence to company policies and procedures.
- Utilized excellent communication skills to build relationships with key stakeholders, clients, and vendors.
AREA TRAINING MANAGER/ONBOARDING
SECURITY NATIONAL MORTGAGE
10.2016 - 06.2017
- Collaborated with cross-functional teams to identify training needs and develop appropriate solutions.
- Organized monthly meetings with senior management to review progress towards key objectives.
BRANCH MANGER
INTERNATIONAL CITY MORTGAGE
10.2014 - 10.2016
- Directed daily branch operations, leading the team to exceed monthly sales goals.
- Oversaw daily operations including cash management, opening and closing procedures, account maintenance.
SR. MORTGAGE LOAN OFFICER
NOVA HOME LOANS
04.2012 - 10.2014
- Directed all aspects of regional operations including compliance, sales marketing, administration, training, and loan officer certification.
- Implemented strategies to increase sales staff morale and productivity.
- Created and implemented strategies to increase loan production and achieve company targets.
- Analyzed complex financial information to determine loan eligibility and risk assessment.
- Developed and implemented strategic marketing plans to increase brand awareness.
- Led cross-functional teams in project management initiatives to improve operational efficiency.
- Managed a team of sales representatives and exceeded quarterly sales targets.
- Negotiated contracts with clients and vendors to ensure favorable terms for the company.
- Analyzed market trends and competitor data to make informed business decisions.
- Utilized training materials to onboard new employees and ensure understanding of company processes.
- Developed and delivered training sessions on customer service techniques and sales strategies.
- Implemented an online learning platform to streamline employee training and development.
- Created comprehensive training programs for new product launches and software updates.
- Managed a team of trainers to provide consistent onboarding experiences for new hires.
- Managed team of sales associates in achieving and exceeding monthly targets.
- Developed and implemented strategic plans to increase branch profitability.
- Collaborated with cross-functional teams to streamline processes and improve customer satisfaction.
- Responsible for budgeting, forecasting, and financial reporting for the branch.
SR. MORTGAGE LOAN OFFICER
WJ BRADLEY LLC
08.2011 - 04.2012
- Reviewed final documents prior to closing to ensure accuracy of information provided by borrowers.
- Facilitated resolution of post-closing issues that arose during servicing period.
BRANCH MANAGER
PROSPECT MORTGAGE
12.2010 - 08.2011
- Directed daily branch operations, leading the team to exceed monthly sales goals.
- Oversaw daily operations including cash management, opening and closing procedures, account maintenance.
SALES MANAGER
PRIMELENDING
08.2008 - 12.2010
- Managed customer accounts and customer relationships.
- Established relationships with key customers, providing personalized service and support.
- Provided coaching and feedback to staff on an ongoing basis in order to improve job performance.
SALES MANAGER
CTX MORTGAGE
02.2007 - 08.2008
- Managed customer accounts and customer relationships.
- Established relationships with key customers, providing personalized service and support.
MORTGAGE SALES MANAGER
NORTH STAR FINANCIAL GROUP
08.2006 - 01.2007
- Analyzed financial documents, credit reports, and income verification to determine loan eligibility.
- Pre-Approved conventional, FHA, VA, and USDA mortgage loans in accordance with lending guidelines.
- Established and maintained relationships with real estate agents and referral partners to generate business.
SR. MORTGAGE LOAN OFFICER
AMERIFIRST FINANCIAL INC.
12.2003 - 08.2006
- Managed a high-volume pipeline of mortgage loan applications with an emphasis on customer service.
- Established and maintained relationships with real estate agents and referral partners to generate business.
- Analyzed financial documents, credit reports, and income verification to determine loan eligibility.
- Pre-Approved conventional, FHA, VA, and USDA mortgage loans in accordance with lending guidelines.
SR. LOAN OFFICER
ALLIED HOME MORTGAGE
08.2003 - 12.2003
- Performed quality assurance checks on all loan documents before submitting for final approval.
BRANCH MANAGER
WASHINGTON MUTUAL BANK
12.2001 - 08.2003
- Managed national sales and service processes.
- Oversaw staff of six employees.
- Enhanced business profile and customer retention.
ASSISTANT BRANCH MANAGER
WELLS FARGO BANK
09.1996 - 12.1998
- Oversaw staff of up to fifteen employees across multiple locations.
- Developed and implemented strategies to achieve sales goals.
BANKING CENTER MANAGER, AVP
BANK ONE
06.1987 - 11.1998
- Managed asset branch of $78 million, overseeing 23 employees.
- Enhanced business profile and customer retention.
DIRECTOR OF OPERATIONS - CORPORATE OFFICER
ENVIROSAFE TECHNICAL CLEANING
08.1993 - 02.1996
- Oversaw staff of 200 employees.
- Designed and initiated plans for various business functions.
Education
HIGH SCHOOL DIPLOMA -
Superior High School
AZ3 YEARS OF COLLEGE - Business Administration
Central Arizona College
Skills
- Strategic business development
- Loss prevention strategies
- Team collaboration
- Employee training
- Employee retention
- Performance evaluation
- Effective communication
- Team leadership
- Analytical problem-solving
- Analytical decision making
- Effective time management
- Effective organization
- Coaching individuals
- Sales strategy execution
Certification
Licensed Arizona Mortgage Loan Officer
Life and Health
Timeline
Mortgage Sales Manager
Magnolia Bank
04.2025 - Current
SALES/HR MANAGER
Heartland
08.2024 - 09.2025
Branch Manger/Responsible Individual
Amres Corporation
11.2023 - 08.2024
Area Manager
ML MORTGAGE CORP
08.2023 - 11.2023
SOUTHWEST AREA MANAGER
GO PRIME MORTGAGE
11.2020 - 08.2023
SALES MANAGER
BROKER SOLUTIONS, INC.
05.2020 - 11.2020
BRANCH MANAGER/PRODUCTION MANAGER/SALES
GO PRIME MORTGAGAGE/PRIME MORTGAGE LENDING, INC.
02.2018 - 05.2020
REGIONAL MANAGER
EMORTGAGE MANAGEMENT
06.2017 - 08.2017
AREA TRAINING MANAGER/ONBOARDING
SECURITY NATIONAL MORTGAGE
10.2016 - 06.2017
BRANCH MANAGER
INTERNATIONAL CITY MORTGAGE
10.2014 - 02.2018
BRANCH MANGER
INTERNATIONAL CITY MORTGAGE
10.2014 - 10.2016
SR. MORTGAGE LOAN OFFICER
NOVA HOME LOANS
04.2012 - 10.2014
SR. MORTGAGE LOAN OFFICER
WJ BRADLEY LLC
08.2011 - 04.2012
BRANCH MANAGER
PROSPECT MORTGAGE
12.2010 - 08.2011
SALES MANAGER
PRIMELENDING
08.2008 - 12.2010
SALES MANAGER
CTX MORTGAGE
02.2007 - 08.2008
MORTGAGE SALES MANAGER
NORTH STAR FINANCIAL GROUP
08.2006 - 01.2007
SR. MORTGAGE LOAN OFFICER
AMERIFIRST FINANCIAL INC.
12.2003 - 08.2006
SR. LOAN OFFICER
ALLIED HOME MORTGAGE
08.2003 - 12.2003
BRANCH MANAGER
WASHINGTON MUTUAL BANK
12.2001 - 08.2003
ASSISTANT BRANCH MANAGER
WELLS FARGO BANK
09.1996 - 12.1998
DIRECTOR OF OPERATIONS - CORPORATE OFFICER
ENVIROSAFE TECHNICAL CLEANING
08.1993 - 02.1996
BANKING CENTER MANAGER, AVP
BANK ONE
06.1987 - 11.1998
3 YEARS OF COLLEGE - Business Administration
Central Arizona College
HIGH SCHOOL DIPLOMA -
Superior High School