Summary
Overview
Work History
Education
Skills
Affiliations
Certification
Timeline
Generic

Cynthia Behar

P.O. Box 3359, Santa Monica,CA

Summary

Over 15 years experience spanning retail, consumer, residential lending and business lending I bring a wealth of expertise to the table. Exceptional work ethic and strong communication skills, both written and verbal, these qualities are essential for serving clients, collaborating with colleagues, and navigating the complexities of the financial industry. My ability to cultivate strong and lasting relationships with clients, internal staff, and industry professionals is a testament to my driven nature and professional demeanor. I have consistently leveraged available resources and technologies to optimize the client experience, ensuring operational excellence and accuracy in all my endeavors.

Overview

23
23
years of professional experience
1
1
Certification

Work History

Mortgage Bank Sales Consultant (MBSC) AVP

Wells Fargo Home Mortgage
Pacific Palisades, Manhattan Beach, Brentwood, CA
06.2022 - Current
  • I am proficient as a loan originator, adept at self sourcing new business, packaging, documenting and closing residential home loans.
  • Additionally, I excel at making introductions to branch partners and departments for other retail services that clients may benefit from.
  • I possess comprehensive knowledge of all retail bank products and services, including loan programs for agency, non-agency, FHA, VA, CalFHA, and bond loan programs with down payment assistance. I am NMSLR, Bond and VA certified.
  • I am experienced in leading branch huddles to educate bankers on leveraging available resources and technology. My focus is on optimizing the client experience and ensuring operational excellence and accuracy in serving our clients.

Home Mortgage Consultant (HMC and PMB)

Wells Fargo Home Mortgage
Pacific Palisades, Santa Monica, CA
06.2009 - Current
  • Proficient as a loan originator, adept at self sourcing new business, packaging, documenting and closing residential home loans.
  • Built and fostered relationships with clients, internal branch partners, and industry professionals through proactive outreach and follow-up.
  • Excelled at making introductions to branch partners, recommending other retail services that clients could benefit from.
  • Proactively educated clients and partners on emerging self service digital products and services to help meet their financial needs and ensure they were served with operational excellence and accuracy.
  • Comprehensive knowledge of all retail bank, business lending and residential lending product and services. I am NMLSR licensed, Bond and VA certified.
  • 2021 registered 165 loan applications
  • 2021 69 funded loans @ $67M

Mortgage Loan Consultant

Washington Mutual Bank
Sunnyvale, CA
01.2001 - 04.2009
  • As a loan originator, I specialized in self sourcing and funding a variet of home loans, including purchases and refinances, providing loans for both buying new homes and refinancing existing mortgages, agency, non-agency, FHA, VA, Cal-HFA with down payment assistance programs.
  • Built and fostered partnerships with clients, branch team and industry professionals.
  • President's Club member for 7 consecutive years, ranking in top 10% of highest producing loan originators achieving the prestigious Presidents Club distinction each year.
  • Funded an average of 360 loans annually, amounting to approximately $90M per year. Of the total loans funded 60% were for home purchases and 40% were for refinances benefiting from two company paid mortgage assistants.
  • Public Notary.

VP Relationship Banker

Bank of America
San Carlos, CA
  • As VP Relationship Manager, I excelled in building and fostering relationships with clients and developed collaborative partnerships with team members and industry professionals.
  • Actively engaged with new and existing clients from my book of business to help understand their financial needs and find tailored financial solutions to meet their specific requirements.
  • Maintained a comprehensive understanding of all bank products and services to provide accurate and excellent customer service including consumer checking and savings, credit cards, personal loans, auto loans, residential and commercial and industrial lending, business loans, business checking and savings accounts, CUTMA, SBA loans, retirement (Roth, Traditional and SEP).
  • Introduced clients to Private Bank, Wealth Management team for investment services.
  • Required to make 50 outbound client calls per day.
  • Licenses: 6, 63.
  • Notary Public.

Education

Bachelor of Arts - Finance & Marketing

California State University - Fullerton
Fullerton, CA

Skills

  • I possess a robust educational background and extensive experience in all aspects of retail banking, residential lending, commercial real estate lending and business lending
  • My skill set incudes the ability to effectively engage and communicate with clients to assess their financial needs and match them with appropriate products and or services
  • I am adept at analyzing complex tax returns and financial statements, properly documenting, and packaging loans for underwriting review and successful fundings
  • My ability to build and foster strong client relationships through proactive outreach and follow-up is complimented by developing collaborative partnerships with branch teams and partners to best serve our clients
  • Additionally, I leverage available resources and technologies to optimize the client experience, ensuring operational excellence and accuracy in all my endeavors

Affiliations

Association of Realtors, Chamber of Commerce, AREAA and NAHREP

Certification

NMSLR SAFE ID 284918

Timeline

Mortgage Bank Sales Consultant (MBSC) AVP

Wells Fargo Home Mortgage
06.2022 - Current

Home Mortgage Consultant (HMC and PMB)

Wells Fargo Home Mortgage
06.2009 - Current

Mortgage Loan Consultant

Washington Mutual Bank
01.2001 - 04.2009

VP Relationship Banker

Bank of America

Bachelor of Arts - Finance & Marketing

California State University - Fullerton

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Cynthia Behar