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
13
13
years of professional experience
Work History
Advanced Client Solutions Specialist
Bank of America
Phoenix, AZ
09.2024 - Current
- Monitored industry trends and competitor strategies, adjusting our offerings accordingly for a competitive advantage in the market.
- Enhanced client satisfaction by delivering customized solutions for their specific needs.
- Identified areas of improvement within the company''s product offerings, leading to strategic changes that boosted sales performance.
- Effectively resolved client conflicts with diplomacy and professionalism, preserving valuable business relationships.
- Acted as a reliable point of contact for clients throughout the project lifecycle, providing consistent updates and addressing any concerns promptly.
Business Cash Management Specialist
JP Morgan Chase
Phoenix, AZ
06.2023 - 05.2024
- Evaluated the effectiveness of current cash management procedures, proposing data-driven improvements when necessary.
- Assisted clients in navigating complex regulatory requirements, minimizing potential risks while maximizing liquidity opportunities.
- Reduced manual errors in financial transactions through rigorous attention to detail and thorough reconciliation procedures.
- Provided expert advice on investment strategies, helping clients optimize their working capital positions.
Commercial Loan Originator
JP Morgan Chase
Phoenix, AZ
06.2022 - 06.2023
- Conducted thorough borrower assessments to determine appropriate loan products based on individual needs and qualifications.
- Collaborated with internal teams to ensure seamless coordination during the entire loan origination process.
- Negotiated favorable terms and conditions for clients, ensuring the best possible mortgage options.
- Reviewed credit reports and financial statements to accurately assess risk factors before submitting loans for approval.
Mortgage Loan Processor
JP Morgan Chase
Phoenix, AZ
10.2020 - 06.2022
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
Home Equity Mortgage Processor
Wells Fargo Bank, N.A.
Tempe, AZ
05.2012 - 10.2019
- Performed initial credit assessments to determine eligibility for various home equity products, guiding clients towards suitable financing options based on their needs and qualifications.
- Provided ongoing support to clients during the life of their loans, addressing questions and concerns promptly and professionally.
- Created comprehensive reports detailing loan portfolio performance, identifying areas for improvement and presenting recommendations to senior management for strategic decision-making purposes.
Education
High School Diploma - undefined
South Ridge High School
Phoenix, AZ05.2009
Skills
- Exceptional customer service skills
- Customer service oriented
- Reliable and dependable
- Perform well in high-demand, fast-paced environments
- Originating Home Loans
- Financial Advisement
- Loan Information Recording
- Commercial Real Estate
- Loan Processing Coordination
- Closing Documentation
- Critical Thinking
- Bilingual
LANGUAGES
Spanish - Full Professional
English - Full Professional
Timeline
Advanced Client Solutions Specialist
Bank of America
09.2024 - Current
Business Cash Management Specialist
JP Morgan Chase
06.2023 - 05.2024
Commercial Loan Originator
JP Morgan Chase
06.2022 - 06.2023
Mortgage Loan Processor
JP Morgan Chase
10.2020 - 06.2022
Home Equity Mortgage Processor
Wells Fargo Bank, N.A.
05.2012 - 10.2019
High School Diploma - undefined
South Ridge High School