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J. DAVID VELAZQUEZ
Laguna Hills, CA 92653 949-295-3666 jdvelazquez10@gmail.com


UNDERWRITING ANALYSIS ~ SALES & OPERATIONS MANAGER
MORTGAGE PROCESSING TEAM LEADER ~ LOAN OFFICER ~ CREDIT ANALYSIS

PROFESSIONAL SUMMARY

Highly experienced, talented professional proficient in all facets of mortgage lending with an
emphasis on underwriting and processing to lender guidelines. Known for an exceptional work
ethic and knowledge of the industry. Organized, detail oriented, and highly effective.

Top qualifications include:
CA Real Estate Broker License
CA Life & Health Insurance License
Underwriting Analysis
NMLS Compliant
Credit Analysis
Bi-lingual in Spanish
CAREER HIGHLIGHTS


Top producer for new agents in 3
rd
quarter of 1
st
year.
Consistently succeeded in new positions by building strong business relationships,
setting priorities, and reaching goals.
Revived stale mortgage operations through effective customer service and lead
generation.
PROFESSIONAL EXPERIENCE

BANK OF AMERICA Brea, CA 11/2012 PRESENT
Assistant Vice President / Team Leader
Manage a team of eight to ten mortgage processors to achieve production goals and
maintain loan quality and excellent customer delight.

FIRST CALIFORNIA FINANCIAL San Juan Capistrano, CA 06/2012 09/2012
Loan Officer
Originated Purchase and Refinance mortgages

JP MORGAN CHASE BANK Ladera Ranch, CA 07/2011 05/2012
Personal Banker
Advised clients with respect to banking, home loans, and investment needs.

GRAND BANK, N.A. / OVATION HOME LOANS, Santa Ana, CA 02/2011 06/2011
Sr. Mortgage Banker
Origination of mortgages from Realtors focusing on Jumbo ARM, Conventional, & FHA
products.
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PROFESSIONAL EXPERIENCE, Continued



AMERIND FINANCIAL GROUP, Newport Beach, CA 02/2010 02/2011
General Manager
Managed all loan origination operations for the company
Stimulated dormant mortgage operations, increasing company revenue.
Initiated mortgage processing and underwriting procedures.
Increased funding volume by 50%.

CROSSLINE CAPITAL, Irvine, CA 11/2009 02/2010
Loan Officer
Originated Conventional mortgages, managed leads from incoming internet calls, and
guided clients through the lending process.

GMAC/DITECH HOME LOANS, Costa Mesa, CA 03/2009 06/2009
Mortgage Consultant
Originated Conventional, FHA/VA, Jumbo, and Fannie and Freddie HARP loans;
provided top customer service for high volume of clients and calls.
Successfully secured licensing in 25 states.
Processed and closed over $3 million in loans within 1 month.

SECURITY FINANCIAL GROUP, Mission Viejo, CA 11/2008 02/2009
Insurance Agent/Financial & Estate Planner
Served as sales associate for equity indexed annuities and various insurance products,
evaluated revocable living trusts, and counseled clientele on estate planning matters.

AXA ADVISORS, LLC, Irvine, CA 11/2007 11/2008
Financial Services Professional
Initiated, developed and nurtured new leads through cold calls, provided financial planning
and sold annuities and insurance products.
Effectively sold $500K variable annuity/investment products to one client.


EDUCATION & AFFILIATIONS

USC EXTENSION SADDLEBACK COMMUNITY COLLEGE
Executive Broker Program General Real Estate

HISPANIC CHAMBER OF COMMERCE OF ORANGE COUNTY
Member of the Board of Directors, 6 years