Neal Valencich
Lake Oswego,OR
Summary
Motivated multilingual professional with experience in Real Estate Transactions seeking to build a successful career as a Transaction Manager.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Mortgage Broker
Sensible Mortgage LLC
Portland , OR
2024.02 - Current
- Served as liaison between borrowers and lenders and collaborated with both parties to obtain optimal loans for home purchases.
- Built business base by word of mouth as result of maintaining positive relationships with former borrowers.
- Communicated closely with various lenders to obtain most effective loans for customers purchasing homes.
- Counseled clients on home purchasing and loan process as well as on industry topics.
- Reviewed financial data, pay stubs and credit history for borrowers to ascertain loan qualification.
- Reconciled funds received and disbursed for property transactions.
- Managed real estate transactions from initiation to closing.
- Facilitated real estate transactions to drive continued personal and team growth.
Senior Mortgage Loan Originator
Fairway Independent Mortgage Corporation. NMLS
Portland , OR
2019.01 - 2024.02
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
- Developed and maintained relationships with local real estate agents.
- Submitted applications to credit analysts.
- Complied applications and paperwork and double-checked for accuracy.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information.
- Helped clients fill out loan applications and find ideal loan options.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Kept detailed records regarding approved, denied and received loan applications.
- Informed customers of application deadlines, approvals and denials.
- Gathered client debt, credit and income information to determine loan eligibility.
- Verified applicant information by consulting with outside agencies, credit bureaus and businesses.
- Identified valuable solutions for customers with credit problems.
- Developed loan contracts and explained contract terms to clients.
Sales Manager
New Penn Financial
Portland , OR
2011.01 - 2018.01
- Managed team of 4 to 7 Mortgage Consultants
- Assisted team in developing sales strategies to maximise their personal production while triaging files in order to satisfy clients core needs after thorough review of clients capacity to pay, collateral and credit
- Served as liaison between Sales, Underwriting and Processing departments with specialised industry knowledge (related to guidelines, title work, pricing and TRID disclosure processes) to ensure purchase and refinance loans closed and funded on time
- Managed daily, weekly and monthly pipeline to ensure files were moving forward through use a software called Tableau
- Reported directly to Regional Manager on weekly production goals on purchase/refinance volume and lock goals
- Conducted weekly and monthly one on one meetings with team members to ensure they had the tools in order succeed in their roles with confidence
- Maintained personal production while performing regular managerial tasks
- Expanded product expertise through release of New Penn Smart Series product portfolio.
Mortgage Banker
New Penn Financial
Portland , OR
2011.01 - 2017.01
- Delivered strong results in the beginning of 2017 to earn Presidents Club for consecutive quarters
- Developed strategies to develop more purchase business through expanding real estate network with local real estate professionals
- Built relationships with retail and business customers with high degree of professionalism
- Generated new revenue exceeding company expectations
- Identified customers needs and ensured solid customer experience through product expertise (FHA, VA, Conventional, USDA, etc)
- Built solid understanding of secondary market and securitization
- Evaluated pricing as it related to bond market to secure best products for clients
- Conducted calculations and screening in order to underwrite loans to ensure performance
- Gained recognition as the top producer for many months for highest volume in sales.
Marketing
Wealthbridge/Sunset Mortgage
Portland , OR
2010.01 - 2011.01
- Developed customer relations to support Senior Bankers
- Built strong rapport with clients while explaining the benefits of working with Wealthbridge Mortgage Bank
- Led the department in meeting management's expectations in generating new business
- Completed main requirements through the NMLS to become a licensed loan originator in OR and WA
- Familiarized myself with TILA, RESPA and a variety of other Mortgage concepts.
Education
Italian Language -
Ellci Milano
12.2016
Master in Economics (Financial Communication) -
Università della Svizzera italiana, Lugano (Switzerland)
12.2015
Bachelors of Business Administration in Finance and Marketing -
Portland State University
12.2007
Skills
- Understanding of Statistics
- Computing Capital Asset Pricing Model and WACC
- Familiar with basic concepts of forex and option contracts
- Financial Statement analysis
- Knowledge of GAAP
- English language (native Language)
- Spanish language fluency
- French language fluency (basic reading and writing)
- Italian language fluency (basic reading and writing
- Proficient in Microsoft Office (Word, Power Point, Outlook, Access)
- Office 365
- Quickbooks
- Social Media (Twitter, Facebook, LinkedIn, etc)
References
- Dan Rogers, Associate Professor of Finance, Portland State University, 1825 SW Broadway, Portland, OR, 97201, drogers@pdx.edu, 503-725-3790
- Mark Dohrmann, Chief Financial Officer, Member, Board of Directors, Institutional Real Estate, Inc., 2274 Camino Ramon, San Ramon, California, 94583, m.dohrmann@irei.com, 503-530-6623
- Nels Ericson, Regional Manager, New Penn Financial, 6650 SW Redwood Lane Suite 160, Portland, OR, 97224, nericson@newpennfinancial.com, 503-716-1801
Profile
True, True, True
Certification
- NMLS
- International Business Certification from Portland State University
Timeline
Mortgage Broker
Sensible Mortgage LLC
2024.02 - Current
Senior Mortgage Loan Originator
Fairway Independent Mortgage Corporation. NMLS
2019.01 - 2024.02
Sales Manager
New Penn Financial
2011.01 - 2018.01
Mortgage Banker
New Penn Financial
2011.01 - 2017.01
Marketing
Wealthbridge/Sunset Mortgage
2010.01 - 2011.01
Italian Language -
Ellci Milano
Master in Economics (Financial Communication) -
Università della Svizzera italiana, Lugano (Switzerland)
Bachelors of Business Administration in Finance and Marketing -
Portland State University
- NMLS
- International Business Certification from Portland State University
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