Hi, I’m
Jessica (Ciero) Paxton
St. Johns,FL
Summary
Well-versed and results-driven professional. Detail-oriented team player with strong organizational and interpersonal skills. Ability to handle multiple projects simultaneously with a high degree of accuracy and little supervision.
Overview
22
years of professional experience
Work History
Guaranteed RateJacksonville, FL
VP of Mortgage Lending
01.2022 - 04.2024
Job overview
- Conventional, FTHB, Non-QM (Jumbo, Asset Dissipation, DSCR, Bank Statement, P&L) HELOC, Non-Warrantable, Condo Co-op, VA, FHA, USDA and Personal Loans experience
- Supports Branch Director with event planning and marketing for team
- Continuously creating and implementing marketing campaigns to generate new business opportunities
- Develops extensive network of referral partners to source new mortgage loan opportunities
- Collaborates with other departments to ensure compliance with loan policies and procedures while managing all other Loan Officer duties
- Develops and maintained relationships with lenders and other financial institutions for broker options
- Maintains up-to-date knowledge of all federal and state lending regulations
- Monitors interest rates and other relevant economic indicators
- Proven ability to develop and implement creative solutions to complex problems
- All leads are self-sourced
UBS Bank USAJacksonville , FL
Associate Director, Private Mortgage Banker
08.2017 - 01.2022
Job overview
- Worked closely with High Net Worth Wealth Management Bankers and Financial Advisors to identify opportunities and pre-qualify customers for mortgages
- Served homebuyers with complex income and asset management review by evaluation of client financial positions to identify most appropriate banking products
- Analyzed loan applications and credit reports to determine loan eligibility and risk level
- Negotiated loan terms for qualified buyers based on applicable market and overall economic and personal factors such as credit score, income and assets
- Worked with underwriters to fix application conditions and resolve any issues that may arise during loan process
- Brainstormed and provided solutions such as Non-QM mortgage products when traditional resolution was not available to client
- Maintained enthusiasm in fast-paced environment
- Produced and executed loan packages
- Provided excellent customer service by being available 24/7 and maintaining regular communication regarding loan status and items needed
- Checked loan documents for accuracy prior to closing
CRM Lending/BOA/CMG FinancialJacksonville, FL
Mortgage Loan Officer
10.2014 - 10.2017
Job overview
- Participated in industry events and conferences to build relationships and gain market intelligence
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings
- Proactively identified solutions for customers experiencing credit issues
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Negotiated loan terms and conditions with clients to maximize profitability
Redstone LawJacksonville , FL
Paralegal / Senior Case Manager
08.2013 - 07.2014
Job overview
- Prepared legal briefs, motions, and pleadings
- Conducted detailed client intakes and entered information into company database
- Assisted counsel in preparing answers, providing documentation, and information for discovery request
- Conferred with clients and other involved parties to gather and track case information
- Communicated with clients, opposing counsel and court personnel to keep all parties informed on case updates
- Assisted in preparation of settlement proposals and agreements to help attorneys negotiate settlement in best interest of client
PHH Mortgage Jacksonville , FL
Mortgage Loan Processor
04.2011 - 08.2013
Job overview
- Upheld complete confidentiality of all submitted information according to release guidelines
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Received on-going, comprehensive training on home loan products and mortgage process
- Communicated with originator and applicant concerning progress of loan file
- Liaised with credit bureaus, employers and other sources to verify applicants' credit, employment history and personal references
- Affirmed loan document accuracy to protect lenders from potential fraud
Revolution Mortgage Saint Augustine, FL
Branch Production Sales Manager
04.2024 - Current
Job overview
- Achieved sales targets consistently by setting realistic goals, tracking progress, and providing ongoing feedback to the team.
- Enhanced operational efficiency by analyzing key performance indicators and initiating process improvements where needed.
- Conducted regular market research to identify emerging trends and adapt business strategies accordingly.
- Strengthened customer relationships through timely communication, exceptional service, and prompt issue resolution.
- Spearheaded territory expansion initiatives resulting in increased coverage area
WRH Realty ServicesJacksonville, FL
Compliance Specialist / Property Manager
12.2008 - 12.2011
Job overview
- Took Delinquency from 16% to 3% and Occupancy from 60% to 92% in first year as Property Manager on-site.
- Managed quality programs to reduce overdue compliance activities
- Directed and implemented strategic improvement plans to integrate solutions to audit findings and workflow process issues
- Served as subject matter expert by advising staff and customers and working directly with external agencies throughout audits or to remedy compliance issues
- Assisted with training sessions to educate management personnel and on-site staff on compliance and regulatory standards
- Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services
- Monitored timely receipt and reconciliation of rent collections in accordance with landlord and resident statutes
- Maximized rental income while minimizing expenses through effective planning and control
- Followed up on delinquent tenants and coordinated collection procedures
- Completed final move-out walk-throughs with tenants to identify required repairs
- Maintained original leases and renewal documents in digital and hardcopy format for property management office
CB Richard Ellis IncJacksonville, FL
Production Analyst
01.2003 - 12.2008
Job overview
- Enhanced data gathering, extraction and analysis for diverse workflows and procedures
- Embraced growth and excellence-oriented atmosphere to support bank-wide initiatives
- Managed assigned loan portfolio for retention and growth.
- Researched potential investors and paired them with applicable loan products
- Prepared professional business correspondence on behalf of VP of Commercial Lending to obtain information and facilitate processing steps
- Created loan presentation packages to include property feasibility reports, aerials, and financial analysis. Attended meetings to assist in presentations
Education
Florida State College of JacksonvilleKent Campus, 3939 Roosevelt Blvd, Jacksonville, FL
Associate of Science from Business Administration And Management
2008
University Overview
- Phi Theta Kappa Honor Society
Skills
- NMLS License: 1225589
- Residential and Commercial Lending
- Networking and Partnership Development
- Empathy, Patience and Problem-solving
- Interpersonal Expertise
- Fosters Collaborative Environments
- Professional Correspondence and Data Management
- Operational Efficiency Multi-Media Social Media Management Presentation Creation
- Dedicated, Teachable and Results-Oriented
Timeline
Branch Production Sales Manager
Revolution Mortgage
04.2024 - Current
VP of Mortgage Lending
Guaranteed Rate
01.2022 - 04.2024
Associate Director, Private Mortgage Banker
UBS Bank USA
08.2017 - 01.2022
Mortgage Loan Officer
CRM Lending/BOA/CMG Financial
10.2014 - 10.2017
Paralegal / Senior Case Manager
Redstone Law
08.2013 - 07.2014
Mortgage Loan Processor
PHH Mortgage
04.2011 - 08.2013
Compliance Specialist / Property Manager
WRH Realty Services
12.2008 - 12.2011
Production Analyst
CB Richard Ellis Inc
01.2003 - 12.2008
Florida State College of Jacksonville
Associate of Science from Business Administration And Management