Valerie Garnica
Wells Fargo Bank, N.A.
Avondale,AZ
2
Languages
14
years of professional experience
Experienced banking professional with 14+ years of progressive
experience across retail banking,business banking,mortgage lending and client relationship management. Proven Ability to build strong client relationships, identify financial needs,drive business development,and deliver solutions while maintaining
a strong focus on risk management,compliance and operational excellence. Bilingual in English and Spanish with a strong commitment to developing relationships, supporting team success and delivering results.
Work History
Associate Personal Banker
1 Year- Supported account openings and ongoing account maintenance while processing daily banking transactions for customers.
- Assisted customers with account openings, maintenance, and daily banking transactions.
- Identified customer needs and referred suitable banking solutions to specialists.
- Conducted accuracy and compliance review of account documentation to support adherence to bank policies.
- Supported branch sales goals through consultative conversations and relationship building.
- Processed deposits, withdrawals, transfers, and check orders with attention to detail.
- Resolved account inquiries and service issues promptly to strengthen customer satisfaction.
Business Client solutions specialist
1 Year- Resolved client inquiries with accurate account support and timely issue follow-up.
- Processed service requests while maintaining compliance with bank policies and procedures.
- Reviewed account details to identify discrepancies and correct client information.
- Coordinated with internal teams to escalate complex cases and accelerate resolution.
- Documented client interactions clearly to support continuity and audit readiness.
- Monitored case status and prioritized work to maintain consistent service delivery.
- Supported onboarding and maintenance activities through careful data entry and verification.
Business Cash Management Specialist
3 Years 4 Months- Cultivated small business relationships, recommending deposit, lending, and cash management solutions aligned with client needs.
- Analyzed financial statements and credit data to structure sound lending recommendations and manage portfolio risk.
- Directed client onboarding, ensuring accurate documentation, account setup, and compliance with regulatory requirements.
- Developed referral partnerships with branch teams to expand small business pipeline and strengthen revenue opportunities.
- Advised business owners on working capital, treasury services, and financing options to support growth objectives.
- Reviewed loan renewals and exceptions, escalating issues promptly and maintaining timely decision support.
- Coordinated with credit, operations, and servicing teams to resolve account issues and improve client experience.
Mortgage Loan Processor
1 Year 8 Months- Reviewed mortgage applications for completeness, accuracy, and compliance with investor and regulatory guidelines.
- Interpreted income, asset, and credit documentation to verify eligibility and resolve file discrepancies.
- Coordinated borrower, underwriter, and third-party requests to keep loan files moving through approval stages.
- Monitored loan conditions in origination systems, ensuring timely follow-up and clear status updates.
Mortgage Loan Processor
7 Years 5 Months- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Partnered with closing teams to confirm final conditions and prepare loans for funding.
- Improved processing efficiency by streamlining document tracking, communication, and handoff procedures.
- Guided junior processors on documentation standards, workflow priorities, and compliance requirements.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout the entire mortgage process.
Education
High School Diploma
Skills
Relationship building
Branch operations
Customer service
Customer satisfaction
Attention to detail
Relationship management
Financial advising
Account maintenance
Languages
Spanish
Full Professional
English
Full Professional
Timeline
Associate Personal Banker
Wells Fargo Bank, N.A.
10.2025 - CurrentRead More
Business Client solutions specialist
Bank of America
10.2024 - 10.2025Read More
Business Cash Management Specialist
JP Morgan & Chase
06.2022 - 10.2025Read More
Mortgage Loan Processor
JPMorgan Chase
10.2020 - 06.2022Read More
Mortgage Loan Processor
Wells Fargo Bank, N.A.
05.2012 - 10.2019Read More
South Ridge High School
High School Diploma
Read More