Julie Valenzuela
Fontana,CA
Summary
Experienced Loan Portfolio and Asset Manager with a strong background in default loan resolution, foreclosure management, and asset recovery. Proven track record in maximizing loan recovery, mitigating risk, and optimizing distressed asset performance. Expertise in REO management, property valuation, short sales, and investor relations.Adept at coordinating with lenders, legal teams, and stakeholders to execute effective liquidation strategies.. Seeking to leverage my expertise in default loan portfolio management in a dynamic asset management role.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Financial Representative (Part-time)
World Financial Group Wfg
Glendora , CA
12.2023 - Current
- Advised clients on investment strategies, risk mitigation, and asset diversification.
Realtor & Asset Manager
ReMax Champions
Upland , CA
07.2014 - Current
- Specialized in distressed property sales, REO, and foreclosure listings while maintaining a traditional real estate portfolio.
- Conducting market analysis and valuation for distressed assets, maximizing sale potential.
- Collaborated with lenders, title companies, and legal teams to facilitate closings.
Short Sale Negotiator
Independent Management
Rancho Cucamonga , California
02.2011 - 07.2014
- Negotiated 200+ short sales with lenders, securing approvals for distressed borrowers and optimizing recovery values.
- Analyzed financial statements, credit reports, and hardship documents to assess eligibility for loan modifications.
- Reviewed loan documents, appraisals, and tax returns to ensure compliance with lender requirements.
- Mitigated foreclosure risk by structuring alternative loss recovery solutions.
Real Estate Owned (REO) Asset Manager
Millenia Real Estate
Claremont , CA
04.2008 - 02.2011
- Managed a portfolio of 350+ distressed properties, overseeing foreclosure proceedings, property preservation, and disposition strategies
- Developed and executed asset liquidation strategies, increasing recovery rates, while reducing holding costs.
- Negotiated purchase agreements, loan modifications, and legal settlements with lenders and attorneys.
- Monitored financial reports, assessed loan default risk, and created loss mitigation plans.
Education
High School Diploma -
Rancho Cucamonga High School
Rancho Cucamonga 06-1995
Skills
- Loan Portfolio & Asset Management
- Foreclosure & REO Asset Disposition
- Loss Mitigation & Risk Reduction
- Short Sale Negotiation & Liquidation
- Market Analysis & Property Valuation
- Investor & Lender Relations
- Financial Analysis & Recovery Strategies
- Contract & Lease Negotiation
- Regulatory Compliance & Due Diligence
Certification
- California Real Estate License (# 01928684)
- Life and Heath License (#4331736)
References
References available upon request.
Timeline
Financial Representative (Part-time)
World Financial Group Wfg
12.2023 - Current
Realtor & Asset Manager
ReMax Champions
07.2014 - Current
Short Sale Negotiator
Independent Management
02.2011 - 07.2014
Real Estate Owned (REO) Asset Manager
Millenia Real Estate
04.2008 - 02.2011
High School Diploma -
Rancho Cucamonga High School
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