Joyce Caparotta
Greenlawn,NY
Summary
Highly accomplished sales executive with record of surpassing performance and bottom line goals in a correspondent lending channel. Drive business development efforts, manage client communication including defining sales and operational strategy, lender recognition, and client retention planning. Serve a trusted client advocate with focus on continuous improvement and full service satisfaction. Advance negotiations and win concessions while maintaining integrity and relationships. Manage multi million dollar sales growth and promote company value proposition
Overview
39
39
years of professional experience
Work History
V.P. Correspondent Executive
M&T Bank
Melville, New York
02.2008 - 01.2024
- Client Relationships
- Prospecting
- Negotiations
- Solution Sales
- Mandatory Bulk
- Staff Leadership/Team building
- Mortgage Banking/Financial Services
- New business development/ Process Improvements/Cold Calling/Partnership Cultivation
- Underwriting/Client Retention
Assistant Vice President
M&T Bank
Melville, New York
01.2005 - 01.2008
- Maintained Client Relationships
- Maintained Broker, Accountants, Lawyers and internal banking clients.
AVP Home Equity Account Representative
M&T Bank
Melville, New York
02.2002 - 01.2005
- Cultivate & Establish New Customers
- Broker/Wholesale Management
- Engage with C-Level Leaders
- Prospecting/Networking
- Established Content Marketing
Home Equity Account Representative
European American Bank
Hauppauge, New York
01.1993 - 02.2002
- Equity Representative for 12 EAB Branches.
- Home Equity Staff Education
- Customer Application Coordinator
Consumer Fraud & Lending Executive
European American Bank
Uniondale, New York
02.1985 - 02.1993
- Fraud mitigation
- Client retention
- Multi Million dollar G/L management.
Education
Some College (No Degree) - Criminal Justice
Suffolk County Community College
Selden, NYSkills
- Financial Management
- Business Development
- Customer Service
- Forecasting
- Customer Prospecting
- Client Relationship Building
- Contract Negotiation
- Operations Management
- Risk Management
- Staff Development
- Coaching and Mentoring
- Complex Problem-Solving
- Mortgage Banking and Analysis
- Decision-Making
- Rules and regulations
- Proposals and presentations
- Customer Education
- Performance monitoring
- Team Leadership
- Industry Best Practices
- Presentations
- Loan Origination and Underwriting
Accomplishments
- Member Mortgage Bankers Association
- President's Club 2012 & 2013
- Chairman's Club 2009, 2010,2011,2015-2022
- NYS Notory Suffolk County, N.Y.
Timeline
V.P. Correspondent Executive
M&T Bank
02.2008 - 01.2024
Assistant Vice President
M&T Bank
01.2005 - 01.2008
AVP Home Equity Account Representative
M&T Bank
02.2002 - 01.2005
Home Equity Account Representative
European American Bank
01.1993 - 02.2002
Consumer Fraud & Lending Executive
European American Bank
02.1985 - 02.1993
Some College (No Degree) - Criminal Justice
Suffolk County Community College