Celina Hosking
San Diego,CA
Summary
Achieved high client satisfaction through meticulous credit history reviews and payment scheduling. Improved business performance by providing expert advice on credit procedures and loan transactions. Delivered successful outcomes in loan origination and closing through strategic analysis. Enhanced team productivity by managing multiple projects with precision.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Insurance Sales Agent
Tranzact Insurance Solutions
Remote
08.2023 - 05.2025
- Developed tailored insurance solutions addressing client needs and preferences.
- Cultivated relationships with clients through effective communication and follow-up strategies.
- Conducted thorough assessments of client risk profiles to recommend appropriate coverage options.
- Streamlined the sales process, enhancing customer experience and increasing policy conversions.
- Mentored junior agents in product knowledge and sales techniques to improve team performance.
- Developed strong relationships with clients through consistent communication and exceptional customer service.
- Contributed to agency success by consistently meeting or exceeding monthly sales targets.
Mortgage Bank Sales Consultant
Wells Fargo
San Diego, CA
08.2022 - 08.2023
- Explained very technical financial information to applicants in easy to understand language.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
- Created and developed detailed work plans to meet business priorities and deadlines.
- Integrated technology and business operations to identify targeted solutions to customer issues.
- Implemented practices and procedures to reduce expenditures and increase savings.
- Aligned closely with business owners and employees to gather information and gain operational insight.
- Prepared presentations to explain revisions, enhancements and process improvements of organization's systems and programs.
- Automated system e-commerce features to improve client sales.
- Maintained database systems to track and analyze operational data.
- Developed effective improvement plans in alignment with goals and specifications.
Senior Loan Officer
Global Equity Finance
San Diego, California
06.2021 - 07.2022
- Implement and oversee consumer, residential lending regulatory compliance. Keep abreast of regulatory laws, regulations, interpretive rulings, guidance, etc. Implement and oversee new regulations and/or changes to existing regulations.
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Submitted loan applications to underwriter for verification and recommendations
- Advised clients on mortgage, education and personal loans
- Examined customer loan applications for loan approvals and denials
- Utilized risk management strategies to attain high loan approval rates
Executive Program Credit Analyst
Global Equity Finance
San Diego, CA
09.2019 - 07.2021
- Program analysts assist organizations in designing, developing, and implementing programs and products
- My responsibilities included analyzing data, creating reports, and developing strategies to improve program performance
- Agency, Non-agency, & government programs are all among the industries where program analysts work
- As an analyst I had strong analytical skills, proficient at data analysis, and familiar with program evaluation methods
- Working with clients and loan officers it was my responsibility to identify goals and objectives for programs, monitor performance, and develop strategies for improving outcomes.
- Developed change management protocols to streamline required business process alterations through preemptive training and guidance.
- Pinpointed cost-effective process improvements through simulation of potential process alterations, discovering optimal enhancements without interrupting live production efforts.
- Processed management reports on monthly basis through effective collaboration with various departments.
- Synthesized performance data from wide-ranging sources into cohesive overviews of process performance.
- Entered data into computer tracking system and filed paperwork according to procedures.
- Interacted regularly with peers and management to pursue continuous improvement of facility operations and promote teamwork-focused environment.
- Improved function and performance by adopting suitable processor software applications.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Performed credit reviews on corporations to assess financial conditions.
- Developed credit models to assist in the credit decisioning process.
Customer Service Representative
Global Equity Finance
San Diego, CA
06.2019 - 09.2019
- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Responded to customer requests for products, services, and company information.
- Provided primary customer support to internal and external customers.
Team Member
Kentucky Fried Chicken
San Diego, California
09.2017 - 07.2019
- Operated register to process payments and collect cash payment for order totals.
- Developed strong cooperative relationships with coworkers and managers.
- Kept work areas clean, organized, and safe to promote efficiency and team safety.
- Worked scheduled shifts and remained available to work during coworker absences, holidays, and busy periods.
- Learned all required tasks quickly to maximize performance.
- Trained new team members by relaying information on company procedures and safety requirements.
Education
High School Diploma -
Castle Park Senior High School
Chula Vista, CA06.2019
Skills
- Leader
- Microsoft Office
- Time Management
- P>Complaint resolution
- P>Report preparation
- P>Professional telephone demeanor
- P>Service standard compliance
- P>Administrative support
- P>Staff education and training
- P>Account management
- P>CRM
- P>Programming
- P>Knowledgeable in Salesforce
- P>Network Development / Operations
- P>Team Leadership & Development
- P>Cloud Computing
- P>User support
- P>Strategic planning
- P>Information Protection /Security
- P>Data Warehousing
- P>Processes and procedures
- P>Reporting capabilities
- P>Analysis & Evaluation
- P>Budgeting /Financial Planning
- P>Client Relationships
- Customer service
- Strong negotiation
- Product knowledge
- Policy analysis
- Lead prospecting
- Account management
- Licensed insurance agent
- Appointment management
Additional Information
Languages
- English, Fluent
Licenses
- NMLS, June 2021
Extra Curriculars
- Exercising
- Cooking
- Spending time with loved ones
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Personal Information
Title: Analytical Sales & Customer Experience
Certification
- Licensed Mortgage Loan Originator - June 2021
- Licensed Insurance Sales Agent - August 2023
Timeline
Insurance Sales Agent
Tranzact Insurance Solutions
08.2023 - 05.2025
Mortgage Bank Sales Consultant
Wells Fargo
08.2022 - 08.2023
Senior Loan Officer
Global Equity Finance
06.2021 - 07.2022
Executive Program Credit Analyst
Global Equity Finance
09.2019 - 07.2021
Customer Service Representative
Global Equity Finance
06.2019 - 09.2019
Team Member
Kentucky Fried Chicken
09.2017 - 07.2019
High School Diploma -
Castle Park Senior High School