Theresa Valencia-Smith
Peoria,Arizona
Summary
Highly skilled Credit Solutions Advisor with significant experience in providing strategic advice to clients. Strengths include formulating effective solutions, navigating complex problems, and leveraging technical acumen to optimize operational efficiency. Known for positive impact on revenue growth through innovative strategies and solutions.
Overview
23
23
years of professional experience
Work History
Credit Solutions Advisor
Bank of America
Phoenix, AZ
02.2019 - Current
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Built referral business by meeting with local financial planning, home builders and real estate professionals.
- Collaborated with other departments within the organization in order to develop effective solutions for customers.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
- Analyzed new markets and developed referral networks to locate new loan prospects.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Stayed abreast of lending regulations, industry trends and market rates.
Mortgage Loan Officer
Wells Fargo Home Mortgage
Phoenix, AZ
01.2017 - 05.2018
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Recognized by management for providing exceptional customer service.
- Ability to work in a fast paced environment and maintain a large pipeline.
Loan Officer Assistant
Citywide Mortgage
Phoenix, AZ
05.2015 - 07.2016
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
Sales Manager
Revanna Inc/ Direct TV
Phoenix, AZ
03.2014 - 04.2015
- Developed sales plans, goals, strategies and objectives to achieve team goals and revenue objectives.
- Performed sales consultations and educated clients on products and services.
- Analyzed business and sales targets using critical problem-solving skills.
- Boosted revenue and facilitated sales activity while developing consistent employee measurements for exceeding goals.
Senior Loan Processor
Wells Fargo & Company
Phoenix, AZ
06.2012 - 07.2013
- Counseled clients on home purchasing and loan process as well as on industry topics.
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
Client Service Specialist
Charles Schwab & Co
Phoenix, AZ
05.2009 - 06.2012
- Servicing International Calls
- Maintaining Clients Accounts
- Escalation Resolution
Loan Officer
HSBC Bank
Phoenix, AZ
09.2002 - 03.2009
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Skills
- Business Development
- Relationship Building and Management
- Sales Expertise
- Client Relations
- Customer Service-Focused
- Pipeline Management
- Presentation Skills
- Financial Advising
- Written Communication
Timeline
Credit Solutions Advisor
Bank of America
02.2019 - Current
Mortgage Loan Officer
Wells Fargo Home Mortgage
01.2017 - 05.2018
Loan Officer Assistant
Citywide Mortgage
05.2015 - 07.2016
Sales Manager
Revanna Inc/ Direct TV
03.2014 - 04.2015
Senior Loan Processor
Wells Fargo & Company
06.2012 - 07.2013
Client Service Specialist
Charles Schwab & Co
05.2009 - 06.2012
Loan Officer
HSBC Bank
09.2002 - 03.2009