Paul Matos
ISELIN,NJ
Summary
Organized Sales manager with 27 years of sales experience. Expert in product training with extensive knowledge of interpersonal skills
Demonstrating strong interpersonal skills and exceptional service throughout sales process.
Strategic Sales Trainer actively pursuing an opportunity to bring value to any team. Highly skilled in developing training manuals and protocols to increase new hire retention.
Well-qualified Training Specialist adept at planning and implementing onsite and remote training programs. Authoritative and clear communicator with enthusiastic style and insightful approach.
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Proven leader ready to make hard decisions and counsel companies to long-term success.
Overview
30
30
years of professional experience
1
1
Certification
Work History
Senior Loan Originator
Keypoint Mortgage Llc
08.2020 - Current
- Collected information from banks, institutions and employers to assess applicant eligibility.
- Optimized internal processes through regular evaluation and revision of lending policies and procedures, creating greater efficiency within the organization.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed strong relationships with customers through high levels of customer service.
- Regularly surpassed sales quotas by proactively seeking out new leads and actively managing referral networks within the community.
- Coordinated with appraisers, title companies, and other third-party vendors to ensure timely completion of all necessary tasks throughout the lending process.
- Collaborated with sales agents, financial planners and accountants to attract clients and enhance beneficial partnerships.
- Organized regular workshops and seminars for prospective borrowers, educating them on various mortgage products and processes.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Contributed to the development of marketing materials, outlining the benefits of various loan products for potential clients.
- Developed and implemented marketing campaigns to attract new customers.
- Maintained up-to-date knowledge of industry trends and regulatory changes, applying this expertise to optimize lending strategies for clients.
- Applied effective time management techniques to meet tight deadlines.
- Excellent communication skills, both verbal and written.
- Self-motivated, with a strong sense of personal responsibility.
- Skilled at working independently and collaboratively in a team environment.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Branch Manager
Evesham Mortgage LLC
05.2014 - 02.2020
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Streamlined operations for enhanced productivity, leading to higher revenue generation and improved staff morale.
- Coached and mentored sales team members to enhance individual performance, ultimately contributing to the overall success of the branch.
- Identified areas for improvement within the branch''s processes, implementing necessary changes to optimize efficiency and profitability.
- Led by example, exhibiting strong work ethic and consistently meeting or exceeding individual sales targets while inspiring team members to do the same.
- Managed branch sales, customer service, finances and recordkeeping.
- Maintained involvement in community affairs to foster and promote favorable bank image and public trust.
Mortgage Branch Manager
Ams Mortgage Service LLC
03.2010 - 06.2015
- Successfully navigated challenging economic periods by adopting proactive measures aimed at mitigating potential negative impacts on branch performance levels.
- Improved customer satisfaction by providing exceptional service throughout the mortgage application process.
- Collaborated with executive leadership to develop annual budget forecasts based on projected revenue and expenses.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Ensured compliance with state and federal regulations by conducting regular audits and reviewing employee files.
- Streamlined loan processing by improving communication between underwriting, processing, and closing departments.
- Mentored junior employees keen on advancing their careers within the organization via sharing valuable insights gained from years of hands-on experience.
- Developed strong relationships with realtors, builders, and financial professionals to grow referral network for new business opportunities.
- Fostered a positive working environment based on mutual respect, open communication channels, and the shared pursuit of common goals amongst team members.
- Complied with established internal controls and policies.
- Led branch marketing efforts in local communities for increased brand visibility and awareness among potential clients.
- Increased mortgage loan production by implementing effective sales strategies and streamlining branch operations.
- Managed a team of loan officers, ensuring high performance and achieving monthly sales goals.
- Developed customized lending solutions tailored to each client''s unique financial situation for optimal results in securing mortgages.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Implemented training programs to enhance team''s knowledge of industry regulations, best practices, and product offerings.
- Participated actively in networking events as a means to expand professional contacts while promoting company services amongst various target markets.
- Organized and detail-oriented with a strong work ethic.
- Proven ability to develop and implement creative solutions to complex problems.
Loan Originator /Corporate Trainer
American Fidelity Mortgage Services
12.2005 - 03.2010
- Created and oversaw mortgage training programs for operations.
- Developed training programs to meet company objectives.
- Enhanced customer satisfaction ratings by delivering customer-centric sales approaches and techniques to the sales team.
- Provided coaching and mentoring to employees.
- Conducted regular refresher courses for seasoned employees to maintain high standards of professionalism and product knowledge.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Maintained a strong understanding of industry trends and market changes, adapting training materials accordingly to keep content relevant.
- Trained and mentored all new personnel hired to fulfill various roles.
- Led sales and product training for realtor partners and end clients
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Examined customer loan applications for loan approvals and denials.
- Worked closely with processors and underwriters to expedite the approval of loans while maintaining high-quality standards.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
Sales Manager
Island Ford
02.2002 - 11.2005
- Established and cultivated solid business relationships with new or existing customers.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.
- Identified, hired and trained highly-qualified staff by teaching best practices, procedures, and sales strategies.
- Evaluated competitor offerings to maintain a competitive edge, adapting strategies as necessary for sustained success.
- Consistently met or exceeded quarterly sales targets through diligent effort and persistence in closing deals.
- Attended industry shows, conventions, and other meetings with primary mission of expanding market opportunities.
- Managed accounts to retain existing relationships and grow share of business.
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
- Proved successful working within tight deadlines and a fast-paced environment.
- Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
- Proven ability to develop and implement creative solutions to complex problems.
- Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Demonstrated products to show potential customers benefits and advantages and encourage purchases.
Automotive Finance Manager
Fullerton Auto Group
02.1998 - 06.2002
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Maintained an organized workflow by prioritizing tasks effectively managing multiple client files simultaneously ensuring timely processing of all transactions.
- Processed loan applications and monitored progress from start to finish.
- Researched and updated industry knowledge on changing legislation and regulations.
- Developed and maintained relationships with customers, lenders and other third parties.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Enhanced dealership sales by providing comprehensive financial solutions to clients seeking vehicle purchase or lease agreements.
- Collaborated closely with Sales department conducting joint training sessions sharing information about available financing options boosting overall sales figures.
- Maximized profitability by negotiating and structuring optimal automotive financing deals.
- Demonstrated expertise in various financial products, creating tailored presentations for customers, showcasing the benefits of specific financing plans based on their unique needs.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Organized and detail-oriented with a strong work ethic.
- Provided professional services and support in a dynamic work environment.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
Automotive Finance Manager
Maxon Hyandai Mazda Honda GMC
04.1994 - 10.1998
- Developed strong relationships with banks, credit unions, and other lending institutions to secure the best financing options for customers.
- Maintained an organized workflow by prioritizing tasks effectively managing multiple client files simultaneously ensuring timely processing of all transactions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Collaborated closely with Sales department conducting joint training sessions sharing information about available financing options boosting overall sales figures.
- Enhanced dealership sales by providing comprehensive financial solutions to clients seeking vehicle purchase or lease agreements.
- Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
- Learned and adapted quickly to new technology and software applications.
- Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.
- Assisted customers with challenging credit histories in securing suitable loan options to facilitate vehicle purchases.
- Researched and updated industry knowledge on changing legislation and regulations.
Education
Associate of Science - Telecommunications Management
Devry Institute of Technology
Woodbridge, NJ1997
Skills
- Team Player
- Mortgage lending
- Customer service-focused
- Customer Service
- Referral Network Development
- Practiced at FHA loan process
- Business Development
- Oral and Written Comprehension
- Client Relations
- Relationship building and management
- Decision-Making
Accomplishments
- Repeatedly commended by superiors for excellent customer service.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Supervised team of 25 staff members.
- Collaborated with Corporate to enhance sales
Certification
- Hyundai Sales Academy - 1997
- Ford Certified Sales
- Licensed Mortgage Originator
Languages
Portuguese
Native or Bilingual
Spanish
Professional Working
Timeline
Senior Loan Originator
Keypoint Mortgage Llc
08.2020 - Current
Branch Manager
Evesham Mortgage LLC
05.2014 - 02.2020
Mortgage Branch Manager
Ams Mortgage Service LLC
03.2010 - 06.2015
Loan Originator /Corporate Trainer
American Fidelity Mortgage Services
12.2005 - 03.2010
Sales Manager
Island Ford
02.2002 - 11.2005
Automotive Finance Manager
Fullerton Auto Group
02.1998 - 06.2002
Automotive Finance Manager
Maxon Hyandai Mazda Honda GMC
04.1994 - 10.1998
Associate of Science - Telecommunications Management
Devry Institute of Technology
- Hyundai Sales Academy - 1997
- Ford Certified Sales
- Licensed Mortgage Originator
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