VALERIE GARNICA
Avondale,AZ
Summary
Hardworking and reliable individual with Over 10 years of customer service experience/banking experience. Highly organized, proactive and punctual with team-oriented mentality. Dedicated professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
10
10
years of professional experience
Work History
Advanced Client Solution Specialist
Bank of America
09.2024 - Current
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
Commercial Loan Originator IV
JP Morgan Chase
10.2020 - Current
- Assisting Loan Officer with requests and tasks needed to complete and process applications
- Act as Single Point of contact throughout the loan process
- Educate Customer on first steps of the loan processing journey, providing expectations
- Collecting data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
- Responsible for guiding the customer throughout the loan process which may include requesting any additional documentation
- Following up on the conditions needed and answering any customer questions along the way
- Meeting loan application deadlines
- Responsible for effectively communicating the terms and conditions of the loan approval which may include but is not limited to the loan program
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency
Tele Service Consultant
Arizona Federal Credit Union
08.2019 - 10.2020
- Improved operations by working with team members and customers to find workable solutions
- Improved customer satisfaction by finding creative solutions to problems
- Demonstrated self-reliance by meeting and exceeding workflow
- Helped customers open and close accounts, apply for loans and make sound financial decisions
- Discussed options with clients and determined appropriate plans
- Suggested add-on services that would be helpful to customers and improve bottom line
- Maintained high customer satisfaction standards to meet or exceed targets
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences
- Educated customers about billing, payment processing and support policies and procedures
- Promoted superior experience by addressing customer concerns, demonstrating empathy and resolving problems swiftly
Mortgage Processor
Wells Fargo Bank
10.2017 - 08.2019
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting
- Managed any conditions sent from underwriting departments
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times
- Created and completed loan submission packages
- Filed completed packages quickly and efficiently
Operations Clerk
Wells Fargo
01.2015 - 10.2017
- Assisted in generating monthly productivity reports
- Assisted with answering phones, filing paperwork, entering data to support operations department
- Counted daily funds with manual and machine-assisted methods
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs
Education
High School Diploma -
South Ridge High School
Phoenix, AZ05.2009
Skills
- Exceptional customer service skills
- Financial Advisement
- Customer service oriented
- Loan Information Recording
- Reliable and dependable
- Commercial Real Estate
- Perform well in high-demand
- Loan Processing Coordination
- Fast-paced environments
- Closing Documentation
- Originating Home Loans
- Critical Thinking
Timeline
Advanced Client Solution Specialist
Bank of America
09.2024 - Current
Commercial Loan Originator IV
JP Morgan Chase
10.2020 - Current
Tele Service Consultant
Arizona Federal Credit Union
08.2019 - 10.2020
Mortgage Processor
Wells Fargo Bank
10.2017 - 08.2019
Operations Clerk
Wells Fargo
01.2015 - 10.2017
High School Diploma -
South Ridge High School
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