BEVERLEY J.

MARZO
3648 Glen Ridge Way
Las Vegas, NV 89108
(702) 413-0189 Home
(702) 408-4683 Cell
(702) 696-7559 Bus
bm685760@westpost.net
OBJECTIVE:
A mutually rewarding and challenging position in the Financial Service or Custom
er Service Industries, providing an opportunity to apply broad experience, knowl
edge and a proficiency in planning, organizing and following up multifaceted, co
mplex activities; while contributing to company profits and continually gaining
valuable knowledge and information for servicing clients needs.
SUMMARY OF QUALIFICATIONS:
Over 30 year career base in Customer Service and Sales in Retail Banking with an
emphasis on Consumer Credit Analysis and Underwriting, Financial Services and R
elationship Management. Highly organized, results oriented individual with self
-discipline and the ability to work independently and assume responsibility. Tea
m Player with excellent written, oral and interpersonal communication skills. Sk
illed troubleshooter and problem solver in client relations. Recognized for depe
ndability, adaptability, initiative and resourcefulness under pressure.
PROFESSIONAL EXPERIENCE:
CitiMortgage Inc., The Lakes, NV June 2006 - Present
Mortgage Loan Coordinator
Review loan files to verify procedures, guidelines and accuracy of all data
and process inputs. Order necessary documents. Communicate with clients to ensur
e appropriate levels of satisfaction are achieved. Support client strategy on cr
oss-sell products.
Manage pipeline of loans. Clear prior to close conditions. Complete follow-u
p with Vendors and obtain required documentation. Partner with decision maker/Un
derwriter on difficult/exceptional issues. Perform basic mortgage calculations t
o validate score based upon approval. Establish closing and prepare/forward clos
ing documents. Verify funding and forward to Post Funding.
2006 - May 2009
I was a caretaker in the situation of a family related illness which is now
fully resolved. Personal time was also taken for my own medical surgery and full
recovery.
Nevada Federal Credit Union, Las Vegas, NV 2005 - 2006
Consumer Loan Underwriter
Reviewed and analyzed direct requests for secured consumer loans, home equit
y and home improvement second mortgage loans, HELOC's and unsecured revolving li
nes of credit from the credit union's membership base, while also underwriting i
ndirect auto loan requests from the Las Vegas, Pahrump and Reno area automobile
dealerships. Charged with making sound loan decisions while being fully cognizan
t how my skill and proficiency level effects bottom line profits of the credit u
nion.
Approved or denied consumer loans within defined procedures, limits and auth
ority. Analyzed tax returns, financial statements and payroll stubs for verifica
tion of income. Verified collateral value to determine appropriate level of loan
advance. Adhered to all state, federal and credit union lending policies, proce
dures and regulations.
Prepared requests for recommendations of loans above assigned lending author
ity for senior management review. Performed second level review on loans decline
d by the automated system. Deviated from loan policy within authorized limits wh
en justified, while thoroughly documenting all such decisions. Recommended appro
ved counter offers in applicable situations.
Pre-approved loan products to qualified credit union members for cross-selli
ng purposes. Developed alternative solutions, if applicable, for members whose l
oans were denied.
Ensured that individual portfolio was maintained within acceptable ratios fo
r charge offs and delinquencies. Effectively communicated loan decisions to cre
dit union members, employees and automobile dealerships to solidify business rel
ationships and to further the lines of communication.
Bank of America Specialty Group, Yorba Linda, CA 1998 - 2004
Underwriter/Retail Credit Analyst III
Responsible for underwriting indirect recreational vehicle loans and indirec
t retail marine loans up to assigned lending authority. Rendered decisions on la
rger loans up to $1.0MM for review by Senior Credit Manager.
Skilled at interpreting consumer credit reports and other key financial rati
os. Analyzed borrowers tax returns and financial statements to evaluate cash flo
w and liquidity positions. Assessed the borrowers default risk system and assign
ed interest rates under a risked based pricing system. Analyzed collateral to de
termine the appropriate level of advance in accordance with company guidelines.
Developed close business relationships with Bank of America's dealership bas
e. Responsible for communicating approvals, declines and counter offers with ski
ll and tact. Solicited additional business and answered questions regarding comp
any's programs and policy.
Maximized funding ratios through detailed record keeping and maintaining con
tact with all dealerships on a continual basis.
Automobile Club of Southern California, Downey, CA 1996 - 1998
Insurance Sales Agent
Independent responsibility to surpass production goals in fire & casualty in
surance sales and Automobile Club memberships, through referrals, telemarketing,
profiling, cold calls, and direct mail efforts to targeted market areas.
Motivated staff employees to originate quality referrals for automobile, wat
ercraft, homeowners and personal excess liability insurance policies from establ
ished membership base.
Insurance documentation and follow-up completed in an accurate and timely ma
nner to ensure efficient client service and retention.
Held responsible for timely completion of continuing education requirements
for continuous activation of Fire & Casualty Brokers License and Life Agent Lice
nse.
First Interstate Bank of CA, now Wells Fargo Bank 1983 - 1996
Various Los Angeles County, CA and Orange County, CA Offices
Financial Services Manager, Financial Services Officer, Consumer Loan Officer
Directed the sales and support staff toward attainment of their retail perfo
rmance goals targeted for the consumer market in the areas of consumer loans, in
vestments and new accounts. Responsible for the branch sales and service objecti
ves, with customer service and client retention a top priority.
Conducted branch market area analysis for increased market penetration and e
xpanded market share. Implemented training, coaching, and motivation for the sal
es and support staff, resulting in increased clients needs awareness and generat
ion of more quality referrals.
Led the sales team to exceed a 3.45% cross sell ratio, while individually ma
intaining a 3.65% cross sell ratio, allowing the team to maintain it's position
in the top 5% of the region. Supervised less experienced Financial Services Off
icers and Financial Services Representatives for their individual growth and dev
elopment.
Charged with the development of consumer loan production; including solicita
tion, interviewing and credit analysis of loan applicants, while ensuring accura
te credit documentation and review in a timely manner. Rendered subjective decis
ions to accept, modify or decline risk in accordance with established underwriti
ng policies and practices, within assigned lending authority.
Golden State Sanwa Bank, now Bank of the West 1978 - 1983
South Pasadena, CA and Rosemead, CA Offices
Consumer Loan Officer
Accountable for consumer loan applicant interviewing, underwriting analysis,
loan documentation and delinquency control.
Business development efforts with local automobile dealerships produced an a
verage influx of 75 additional consumer auto loan applications per month for our
branch office.
EDUCATION:
Cerritos Community College, Norwalk, CA
Various American Institute of Banking Courses
In-house company training in diversity, compliance, sales and software programs.

COMPUTER SKILLS:
Ability to work in Windows and Microsoft Office applications.
PROFESSIONAL MEMBERSHIPS
Past Member, Downey, CA Board of Realtors
Past Member, Soroptimist International of Downey, CA