Summary
Overview
Work History
Education
Skills
Qualifications Summary
Languages
Timeline
Generic

Lizeth Garzon

Charlotte

Summary

Executive Mortgage Banker with significant experience at Rocket Mortgage, focusing on loan underwriting and risk assessment. Demonstrated leadership in team management and operational efficiency, ensuring strict compliance with industry standards. Skilled in client consultation and sales strategies, achieving exceptional results in the mortgage industry. Strong analytical problem-solver dedicated to maximizing revenue through tailored customer solutions.

Overview

14
14
years of professional experience

Work History

Executive Mortgage Banker

Rocket Mortgage
Detroit
01.2019 - Current
  • Consulted with clients to identify financial goals and develop tailored strategies.
  • Assisted customers in accurately completing loan applications for prompt processing.
  • Provided guidance on financing options based on borrower needs and preferences.
  • Advised on various mortgage programs, including fixed-rate, adjustable-rate, FHA, VA, and jumbo loans.
  • Analyzed production metrics and monitored calls for a team of 7 to 12 employees.
  • Conducted training sessions, delivering feedback and creating actionable improvement plans.
  • Reviewed due diligence documents to assess borrowers' repayment capabilities.
  • Ensured compliance with internal policies and regulatory requirements regarding loan processing.

Mortgage Sales Consultant and Processor

RP Funding
Jacksonville
09.2016 - 09.2018
  • Managed sales leads through internet, phone, and in-person interactions to drive conversions.
  • Explained loan applications, requirements, fees, payment options, product types, and interest rates to clients.
  • Assessed borrowers' financial stability to evaluate repayment capabilities effectively.
  • Processed applications and verified documentation while confirming interest rate lock-ins.
  • Maintained extensive paperwork related to application processing, ensuring accurate filing and archiving.
  • Conducted quality control checks on completed applications prior to submission for compliance.
  • Investigated issues during processing and resolved discrepancies in received data promptly.
  • Collaborated with departments to address complex issues efficiently and enhance operational workflow.

Bilingual Mortgage Sales Consultant

PHH Mortgage
Jacksonville
08.2015 - 09.2016
  • Managed inbound call leads to convert inquiries into applications efficiently.
  • Educated clients on various mortgage options, including fixed-rate, adjustable-rate, and jumbo loans.
  • Reviewed credit reports and appraisals to ensure accuracy during loan approval process.
  • Conducted needs analysis with potential borrowers to identify suitable financing solutions.
  • Negotiated competitive interest rates and terms with lenders for optimal client outcomes.
  • Maintained compliance with federal and state residential lending laws and regulations.
  • Monitored loan progress from application to closing, ensuring timely processing.
  • Participated in team meetings to share best practices aimed at enhancing sales productivity.

Business Banker

First Citizens Bank
Jacksonville
11.2014 - 08.2015
  • Generated leads for deposit and treasury products by engaging prospective business clients.
  • Enhanced existing client relationships through effective cross-selling initiatives.
  • Provided exceptional customer service, ensuring client needs were met promptly.
  • Advocated for bank within the community by attending civic events and volunteering.
  • Developed new business opportunities by participating in local gatherings and meetings.
  • Partnered with Commercial Banker to formulate comprehensive proposals for credit products.
  • Conducted presentations on credit offerings to prospective clients, showcasing value propositions.
  • Monitored client accounts on a regular basis to identify potential problems or opportunities for improvement.
  • Researched current economic trends in order to anticipate changes in the local economy that could affect customer portfolios.
  • Assisted in the development of business plans, loan applications, cash flow projections, and other financial documents.
  • Analyzed client's credit history and provided recommendations regarding credit worthiness.

Director of Finance and Administration

National Association of Street Lightning
Bogotá
01.2013 - 12.2014
  • Generated monthly reports and banking data to support tax reporting completion.
  • Prepared monthly and annual budgets to ensure financial accuracy and accountability.
  • Organized and coordinated regular board and extraordinary meetings for effective governance.
  • Executed HR duties, payroll functions, and managed comprehensive social security payments.
  • Maintained strong relationships with vendors and strategic partners to enhance collaboration.
  • Led billing and collections efforts through evaluation, coaching, and performance oversight.

Assistant Branch Manager

Capital Bank
Miami
05.2014 - 11.2014
  • Served as primary liaison between branch personnel and corporate headquarters when necessary.
  • Provided guidance to staff members regarding best practices for providing exceptional customer service experiences.
  • Recruited new employees by conducting interviews and administering pre-employment tests.
  • Analyzed weekly sales figures and prepared detailed reports summarizing performance metrics.
  • Created reports on daily deposit activity, teller cash levels, ATM balancing results, loan originations and other key metrics for executive review.
  • Developed and implemented operational policies and procedures to improve efficiency and customer service.
  • Ensured compliance with all regulatory requirements related to branch operations.
  • Analyzed current processes within the branch to identify opportunities for improved efficiency or cost savings initiatives.
  • Managed daily activities of the branch including staffing, sales goals, financial reporting, cash management, customer service delivery, security protocols and risk mitigation.
  • Performed periodic audits of the branch's internal controls systems to detect errors or irregularities.
  • Monitored staff workflow to ensure accuracy in processing transactions and adherence to established timelines.
  • Developed training plans for newly hired employees as well as ongoing professional development programs for existing staff members.
  • Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.

Business Sales Banker

Wells Fargo Bank
Charlotte
07.2011 - 06.2013
  • Provided in-depth analysis of customer's current financial situation, credit history, and future plans.
  • Maintained an up-to-date knowledge of changes in banking regulations that affect small businesses.
  • Collaborated with other departments within the organization to provide comprehensive service solutions for clients.
  • Promoted new products and services to existing customers.
  • Monitored customer portfolios to ensure compliance with all applicable laws and regulations.
  • Provided training and guidance to junior staff members on proper procedures for handling customer inquiries and transactions.
  • Prepared loan documents, including letters of credit, promissory notes, and other related paperwork.
  • Ensured adherence to internal policies and procedures regarding security, confidentiality, and fraud prevention measures.
  • Responded promptly and effectively to customer complaints or requests for additional information.
  • Assisted in the development of marketing strategies for small business banking products and services.
  • Performed account maintenance activities such as opening accounts, processing deposits and withdrawals, and making transfers.
  • Conducted detailed risk assessments on loan applicants to determine eligibility for bank financing.
  • Participated in regular meetings with senior management to review progress towards meeting organizational goals.

Education

Accounting Certification - Accounting, Bookkeeping And Date Analysis

Sena
Bogota, Colombia
01-2010

B.A. - Business Administration

Queens University
Charlotte, NC

Loan Officer Fundamentals -

Central Piedmont Community College
Charlotte, NC

Skills

  • Loan underwriting and risk assessment
  • Regulatory compliance
  • Financial analysis
  • Client consultation and sales strategies
  • Team leadership and training
  • Fraud detection
  • Document management
  • Operational efficiency
  • Mortgage products and credit assessment
  • Desktop underwriting expertise
  • Underwriting support
  • Residential mortgage regulations
  • Closing coordination
  • Self-motivation

Qualifications Summary

  • Energetic and motivated self-starter with outstanding interpersonal skills and track record of exceeding goals
  • Bilingual: English & Spanish
  • Experienced in Mortgage Sales and Operations (NMLS # 1203718; licensed in 25 States), Retail Banking, and Insurance

Languages

English
Professional
Spanish
Professional

Timeline

Executive Mortgage Banker

Rocket Mortgage
01.2019 - Current

Mortgage Sales Consultant and Processor

RP Funding
09.2016 - 09.2018

Bilingual Mortgage Sales Consultant

PHH Mortgage
08.2015 - 09.2016

Business Banker

First Citizens Bank
11.2014 - 08.2015

Assistant Branch Manager

Capital Bank
05.2014 - 11.2014

Director of Finance and Administration

National Association of Street Lightning
01.2013 - 12.2014

Business Sales Banker

Wells Fargo Bank
07.2011 - 06.2013

Accounting Certification - Accounting, Bookkeeping And Date Analysis

Sena

B.A. - Business Administration

Queens University

Loan Officer Fundamentals -

Central Piedmont Community College

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