FERDINAND N. LONTAJO
Perris,CA
Summary
Licensed Loan Consultant and results-driven sales professional with extensive experience in mortgage lending, B2B sales, and distribution management. Proven track record of building strong client relationships, driving revenue growth, and managing high-volume operations. Skilled in prospecting, consultative selling, loan processing, and team leadership, with expertise in analyzing market opportunities and delivering tailored financial solutions.
Overview
18
18
years of professional experience
Work History
Mortgage Loan Originator
BTM MANAGEMENT & CONSULTING
10.2015 - Current
- Independently prospected and cultivated new clients through marketing campaigns, networking events, cold calling, and referral partnerships with real estate agents and former clients.
- Interviewed applicants to assess eligibility, presented tailored financial and mortgage options, and ensured accurate completion of loan applications.
- Researched and compared lenders to secure competitive rates, acting as a liaison between clients and lenders throughout the loan process.
- Analyzed market trends and opportunities to expand loan services, drive new business, and maintain long-term client relationships.
Owner / Independent Distributor
MISSION FOODS
07.2022 - 04.2025
- Owned and operated Mission Foods distributorships servicing protected territories in Central Riverside and San Bernardino County.
- Managed high-volume routes generating $733K+ in annual sales
- Performed daily early-morning warehouse pickups and direct-to-store deliveries to grocery and retail accounts.
- Managed inventory, order forecasting, product rotation, and shelf replenishment.
- Evaluated shelf conditions, created accurate orders, and executed back-door receiving and merchandising.
- Built strong relationships with store managers and receivers to ensure consistent shelf space and on-time delivery.
- Operated routes 6–7 days per week, maintaining product freshness and compliance with Mission Foods standards and food safety requirements.
Business Sales Consultant
PAYCHEX INC.
04.2019 - 11.2021
- Consistently executed 50+ calls daily, generating 22 conversations and 2 referrals, to identify client needs, manage leads, and uncover new sales opportunities.
- Built and maintained strategic partnerships with small and mid-sized businesses by providing consultative payroll and HR solutions, driving revenue growth and market share.
- Delivered end-user presentations to promote new products and services; collaborated closely with referring partners to close deals.
- Maintained accurate activity and pipeline reporting in Salesforce CRM while contributing to team sales strategies and supporting complex client implementations.
Voice Over I.P. Sales Representative
SIMPLE PHONE CO.
01.2014 - 04.2019
- Achieved assigned sales targets within a defined territory by prospecting, presenting, and closing VoIP solutions for new and existing customers.
- Built and maintained strong client relationships to expand product distribution, ensure customer satisfaction, and drive repeat business.
- Conducted sales presentations, outbound lead follow-ups, and order fulfillment via phone, email, and in-person meetings; participated in networking events and trade shows.
- Managed the full sales cycle from lead generation through close, accurately documenting activity and opportunities in the CRM.
Senior Loan Processor
NEW AMERICAN FUNDING
07.2012 - 01.2014
- Analyzed mortgage applications for accuracy and evaluated borrower creditworthiness in compliance with lending guidelines.
- Utilized desktop underwriting systems to calculate income; ordered and reviewed tax return transcripts, payoffs, employment verifications, title, escrow, and appraisals.
- Completed prior-to-doc and prior-to-funding conditions, ensuring loans were fully cleared for closing.
- Built and maintained strong working relationships with loan officers, underwriters, title and escrow teams, realtors, and borrowers to support timely closings.
Customer Sales Representative
NORTH AMERICAN CAPITAL
02.2008 - 07.2012
- Contacted high volumes of prospective customers and real estate agents via lead platforms and cold calling to promote mortgage and refinance products.
- Explained mortgage options, rates, and pricing; collected customer information and accurately documented interactions in the company database/CRM.
- Gathered required documentation and coordinated with loan officers and processors to support loan approval and funding.
- Trained and supervised up to five new hires at a time, providing coaching on systems, sales techniques, and customer service.
Mortgage Loan Originator
BTM MANAGEMENT & CONSULTING
10.2015 - Current
- Independently prospected and cultivated new clients through marketing campaigns, networking events, cold calling, and referral partnerships with real estate agents and former clients.
- Interviewed applicants to assess eligibility, presented tailored financial and mortgage options, and ensured accurate completion of loan applications.
- Researched and compared lenders to secure competitive rates, acting as a liaison between clients and lenders throughout the loan process.
- Analyzed market trends and opportunities to expand loan services, drive new business, and maintain long-term client relationships.
Education
Licensed Loan Officer -
Affinity NMLS Training Academy
Artesia, CAHigh School Diploma - undefined
Irvine High School
Irvine, CAAssociates of Arts Degree - Business Administration And Management
Coastline Community College
Fountain Valley, CA01.2010
Skills
- Communication
- Time management
- Self-motivated
- Detail-oriented
- Leadership
- Conflict resolution
- Quick learner
- Marketing
- Customer service
- Closing skills
- Microsoft Office
- Calyx Point Software
- Encompass Software
Timeline
Owner / Independent Distributor
MISSION FOODS
07.2022 - 04.2025
Business Sales Consultant
PAYCHEX INC.
04.2019 - 11.2021
Mortgage Loan Originator
BTM MANAGEMENT & CONSULTING
10.2015 - Current
Mortgage Loan Originator
BTM MANAGEMENT & CONSULTING
10.2015 - Current
Voice Over I.P. Sales Representative
SIMPLE PHONE CO.
01.2014 - 04.2019
Senior Loan Processor
NEW AMERICAN FUNDING
07.2012 - 01.2014
Customer Sales Representative
NORTH AMERICAN CAPITAL
02.2008 - 07.2012
High School Diploma - undefined
Irvine High School
Licensed Loan Officer -
Affinity NMLS Training Academy
Associates of Arts Degree - Business Administration And Management
Coastline Community College