Paula M. Cabezas
Lake Worth,FL
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
17
17
years of professional experience
Work History
AVP, Mortgage Banker
City National Bank of Florida
01.2020 - 06.2023
- Evaluated client financial positions and identified most appropriate banking products.
- 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.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Developed and implemented marketing campaigns to generate new business opportunities.
Home Loan Consultant
Valley National Bank
10.2017 - 01.2020
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
Real Estate Residential Loan Officer
FirstBank Florida
12.2016 - 06.2017
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Followed-up on status of releases, policies, and return of recorded documents.
- Checked signatures and legal descriptions for accuracy and integrity.
- Developed and maintained relationships with customers, lenders and other third parties.
Mortgage Loan Officer
PNC Bank
01.2015 - 12.2016
- Developed and prepared loan solutions and cross sell products and services; reviewed documentation to ensure compliance
- Managed customer pipeline for efficiency
- Originated quality FHA, VA and conventional mortgage and home equity loans
- Promoted PNC Mortgage to business partners in the retain branch, real estate agents, builders, developers, financial planners/CPAs, attorneys and other referral sources
Premier Mortgage Consultant
HSBC Bank N.A
09.2012 - 01.2015
- Generated residential mortgage lending business with a focus on the Premier mortgage customer segment (US$100,000 liquid assets or greater)
- Counseled mortgage prospects on various types of mortgage products, choosing the best product(s) to meet their individual needs and goals
- Identified cross selling opportunities and referred business to HSBC specialists to provide additional financial tools and services to our clients to broaden their relationship with HSBC Bank
- Contributed to a team environment in serving assigned bank branches and branch employees
- Self-motivated producer that required little supervision in this role
Small Business Specialist/Licensed Personal Banker
JPMorgan Chase
06.2010 - 09.2012
- Excellent customer contact skills, including strong listening, and interview skills to help understand each personal and business customer and their individual financial needs
- Top 10 producing banker in the NW Palm Beach district for the last six months+
- Established and developed credibility and rapport among large customer base, always representing the institution with the highest professionalism and ethics
- Utilized securities license, mortgage license, and business training to uncover customers’ financial needs and help deepen their relationship with the bank
Wholesale Account Executive
HSBC Mortgage
06.2006 - 12.2008
- Acquired and developed a solid, profitable base of broker/correspondent relationships throughout SE Florida, becoming a consistent top producer in the South-East Division.
- Maintained personal production of wholesale loans by soliciting new brokers and correspondents and servicing existing brokers
- Served as liaison with Mortgage Operations and other departments to resolve problems quickly and in an effective manner
- Represented the corporation at industry functions and organizations to enhance the company's image and commitment in the mortgage industry, obtain additional referral sources and stay abreast of changes necessary to remain competitive.
- Traveled throughout assigned territory to visit current customers and prospect for new business.
Education
Career Certificate - Cosmetology
Palm Beach State College
Lake Worth, FL02.2024
Bachelor of Arts - Management Information Systems
University of South Florida
Tampa, FLAssociate of Arts - French
Florida Atlantic University
Boca Raton, FLSkills
- Sales Forecasting
- Client Account Management
- Federal Lending Guidelines
- Mortgage Counseling
- Originating Home Loans
- Pre-Approval Process
- Community Reinvestment Act
- Credit Check Knowledge
- Database Management
- Sales Presentation
- Public Speaking
- Territory Management
- Reading Comprehension
- Financial Document Review
- Marketing Expertise
- Sales Development
- Regulatory Requirements
- Customer Transactions
- Financial Information Review
- Purchasing Process
- Document Analysis
- Mortgage Lending Requirements
- Loan Application Management
- Analyze Financial Histories
- USA Patriot Act
Accomplishments
- HSBC Mortgage Corporation, Mortgage Masters “Rookie of the Year 2007” - Highest Sales in East Division for new hires of 2007
Affiliations
- NMLS number 602265
- FINRA series 6 Licensed
- Member of the HUD HECM National Counselor’s Network
Languages
Spanish
Native or Bilingual
Timeline
AVP, Mortgage Banker
City National Bank of Florida
01.2020 - 06.2023
Home Loan Consultant
Valley National Bank
10.2017 - 01.2020
Real Estate Residential Loan Officer
FirstBank Florida
12.2016 - 06.2017
Mortgage Loan Officer
PNC Bank
01.2015 - 12.2016
Premier Mortgage Consultant
HSBC Bank N.A
09.2012 - 01.2015
Small Business Specialist/Licensed Personal Banker
JPMorgan Chase
06.2010 - 09.2012
Wholesale Account Executive
HSBC Mortgage
06.2006 - 12.2008
Career Certificate - Cosmetology
Palm Beach State College
Bachelor of Arts - Management Information Systems
University of South Florida
Associate of Arts - French
Florida Atlantic University
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