Summary
Overview
Work History
Education
Skills
Timeline
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Marielba Josefina Spagnolo Andrades

Miami

Summary

Proven Personal Lender at MARIELBA SPAGNOLO, adept in credit analysis and portfolio management, significantly increased market share by attracting new clients and reducing delinquencies through innovative strategies. Excelled in negotiating favorable terms and fostering client relationships, showcasing exceptional problem-solving aptitude and professionalism. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 13 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.

Overview

15
15
years of professional experience

Work History

Personal Lender

MARIELBA SPAGNOLO
01.2010 - Current
  • Assisted in developing marketing initiatives to attract new clientele within target demographics, resulting in greater market share for the company.
  • Reduced delinquencies by implementing innovative risk assessment techniques and establishing open lines of communication with borrowers.
  • Managed a diverse portfolio of loans, ensuring timely repayment through consistent follow-up and proactive problem resolution strategies.
  • Collaborated with underwriting team to ensure accurate and timely loan decision-making, contributing to higher client retention rates.
  • Negotiated favorable loan terms for clients by effectively communicating their unique requirements and circumstances to lenders.
  • Improved cross-selling opportunities by identifying additional products or services that met clients'' needs, fostering long-term business growth.
  • Developed strong relationships with clients by providing personalized financial advice and guidance on available lending options.
  • Processed loan applications and monitored progress from start to finish.
  • Monitored pipelines to track and log status of loans.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Negotiated loan terms and conditions with customers to secure best deal.

Education

Bachelor of Science - Education

UNIVERSITY FERMIN TORO
VENEZUELA BARQUISIMENTO
01.2010

Skills

  • Goal-Oriented
  • Adaptive Learning
  • Documentation Review
  • Credit analysis
  • Portfolio Management
  • Loan Origination
  • Self Motivation
  • Income Evaluation
  • Credit History Review
  • Document analysis
  • Professionalism
  • Staff Management
  • Problem-solving aptitude

Timeline

Personal Lender

MARIELBA SPAGNOLO
01.2010 - Current

Bachelor of Science - Education

UNIVERSITY FERMIN TORO

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Marielba Josefina Spagnolo Andrades