1. JOAQUIN A. GARUZ
15229 SW 31st Lane, Miami, FL 33185
305-480-0362 (H) · 305-495-3172 (C) · jagaruz79@yahoo.com
PROFILE
Ambitious professional with strong track record of delivering top performance. Comprehensive knowledge of, and
experience in, commercial lending, processing and credit analysis. Provide excellent customer service and establish
solid business relationships. Can undertake difficult mandates, multi-task and meet tight deadlines.
PROFESSIONAL EXPERIENCE
Emigrant Mortgage – A Subsidiary of Emigrant Savings Bank 1/2008 – 9/2008
Wholesale Account Manager
Originated $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 marketing, trade-shows, cold calling and personal contacts for the purpose of
increasing loan production. Increased bank’s approved brokers by 95%
Beyond Lending Corporation 1/2005 – 12/2007
Mortgage Broker/Processor
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
American Check Management 10/2002 – 5/2005
Programming and Training Manager
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
EDUCATION
B.A. Finance and Real Estate, 2004, Florida International University (FIU)
A.A. Business Administration, 2001, Miami Dade Community College (MDCC)
SKILLS AND CERTIFICATIONS
Proficient in: Microsoft Word, Excel, Power Point, Publisher, Outlook, Encompass and the Internet. Typing general
forms/letters 40 WPM; Fluent in English and Spanish
Licenses/Certification: FL Mortgage Broker License and FL Notary Public; Enrolled Spring 2009 for the Certified
Financial Training (CFT) Banking Operations – Credit Analyst Program at MDCC
