I wouldn't stress too much about your GMAT since you did hit 700, and the marginal difference of increasing a small amount may not affect your application decision as much as investing that time into really working on your essays and application would.
You do have weaknesses in your academics, and also your work experience-- fewer years than average and sounds like a bit more fractured with a few different jobs in those short years? Not a deal-breaker but adding all of those factors up would lead me to suggest you would have a difficult time getting into a top 15-20 ranked (US) business school. So I would focus most realistically on schools ranked 15-30, choosing those that meet criteria you are looking for (for more food for thought on choosing schools, see our free e-book about that topic at http://info.mbamission.com/Selecting-Yo ... ram-E-Book
). Additionally, you may have better odds (slightly) with a Masters in Finance, but it depends on what your post-grad-school goals are, and you'd also need to really demonstrate 'why finance'.
Overall what you could do to strengthen your application would be consider waiting a year to apply, and no matter when you apply-- build up that professional experience/resume with leadership opportunities, teamwork, people and project management, and quantifiable accomplishments (if possible). Additionally be sure to develop some interests/activities outside the workplace if possible, even some volunteering or community experience if genuine can be a plus.
Let us know what other questions you have and keep us posted! Good luck to you.
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