1. JOAQUIN A. GARUZ
15229 SW 31st Lane 305-480-0362 (H) 305-495-3172 (C)
Miami, FL 33185 Jagaruz79@yahoo.com
EDUCATION
Miami-Dade College (MDC) - CFT Banking Operations Credit Analyst Certificate Program, 5/2010
Florida International University (FIU) - Bachelor in Business Administration; Majors: Finance and Real Estate
PROFESSIONAL EXPERIENCE
Emigrant Mortgage – A Subsidiary of Emigrant Savings Bank 1/2008 – 9/2008
Account Manager
1. Originated and underwrote $14.5 million in commercial and residential
1. Ensured completeness and accuracy of files prior to submission for approval by providing preliminary
analysis of borrower's documentation, repayment capabilities, credit worthiness and collateral review
Serviced established and new Corporate Wholesale Brokers on a routine basis.
1. 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
Loan Officer / Processor
1. Originated, processed and closed $38.4 million in commercial and residential loans
1. Reviewed credit reports, analyzed income statements and tax returns, and underwrote the borrower’s
repayment ability and financial condition
1. 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 – 1/2005
Programming and Training Manager
1. Hired, trained and supervised staff of six. Managed departmental budget; established productivity goals;
and lead cross-functional teams in key projects
1. Trained new customers on the requirements and procedures of the service offered and programmed point
of sale equipment
1. Established and maintained relationships with over 8,000 customers nationwide, credit card merchants
and main suppliers
Primerica, A subsidiary of Citigroup 2/2001 – 9/2002
Senior Personal Financial Analyst
1. Conducted Financial Analysis and recommended appropriate products to meet clients needs
1. Delivered informational sales presentations to potential clients and assists throughout completion of
application process while strengthening client relationship
1. Educated and sold clients financial products including Life and Health Insurance, Variable Annuities ,
Mutual Funds, and Mortgages
OTHER
Computer Skills: Microsoft Word, Excel, Power Point, Publisher, Outlook, Encompass, the Internet, 40 WPM
Languages: English and Spanish
Licenses: FL Mortgage Broker License and FL Notary Public
