Valerie Atkins

• Resolved client issues in a timely manner while maintaining excellent customer service standards.
• Oversaw multiple accounts and worked diligently to meet and exceed performance goals.
• Managed key account relationships, ensuring customer loyalty and retention.
• Negotiated contracts with clients to ensure optimal pricing and terms of agreement.
• Consulted with clients to assess and meet short- and long-term financial goal.
• Developed and deepened relationships with new and existing clients to advance progress and improve business.
• Assisted clients with planning for and funding retirements using mutual funds and other strategies.
• Devised business plan and identified target customers.
• Promoted business to increase customer base and grow revenue.
• Developed financial plans for clients based on their individual needs and long-term goals.
• Conducted client meetings to review progress, assess risk tolerance, and recommend changes to portfolios.
• Maintained records of all transactions performed on behalf of clients using specialized software programs.
• Educated clients on various types of investment vehicles available so they can make informed decisions when investing their money.
• Participated in seminars and conferences related to financial advising topics in order to stay up-to-date with industry standards.
• Acted as a team leader in group projects, delegating tasks and providing feedback.
• Demonstrated a high level of initiative and creativity while tackling difficult tasks.

• Researched and resolved customer inquiries regarding loan applications, payments, and other account issues.
• Met regularly with senior management team to discuss progress towards goals.
• Coordinated with underwriters to obtain final approval on residential mortgages.
• Negotiated terms and conditions of loan agreements with customers in accordance with company policy.
• Developed and implemented strategies to increase mortgage loan volume.
• Analyzed financial statements and credit reports of applicants for mortgage loans.
• Maintained accurate records of all loan origination activities in database system.
• Provided guidance to junior staff on all aspects of mortgage lending process.
• Evaluated potential risks associated with certain types of mortgages.
• Worked with underwriters to fix application problems and resolve issues.
• Fielded customer complaints and provided solutions.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Participated in industry events and conferences to build relationships and gain market intelligence.

• Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
• Attracted new mortgage loan applications by developing relationships within community.
• Explained legal aspects of loan to borrower, as well as payment terms and clauses.
• Remained updated with latest information related to mortgage products and services being offered.
• Evaluated pay stubs, credit history, tax information and bank statements for financial status.
• Reviewed loan files and updated to match current standards.
• Worked with underwriters to fix application problems and resolve issues.
• Fielded customer complaints and provided solutions.
• Explained different types of loans pertaining to client situations.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Developed extensive network of referral partners to source new mortgage loan opportunities.
• Followed up with clients on missing loan documents, providing guidance on best way to complete application process.

• Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
• Explained legal aspects of loan to borrower, as well as payment terms and clauses.
• Fielded customer complaints and provided solutions.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Attracted new mortgage loan applications by developing relationships within community.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Worked with underwriters to fix application problems and resolve issues.
• Checked loan documents for accuracy prior to closing.
• Developed new business and increased sales through targeted market penetration, extensive training, business partnerships and customer relationships.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Reviewed loan files and updated to match current standards.
• Remained updated with latest information related to mortgage products and services being offered.
• Evaluated pay stubs, credit history, tax information and bank statements for financial status.
• Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
• Explained different types of loans pertaining to client situations.
• Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
• Negotiated loan terms and conditions with clients to maximize profitability.
• Participated in industry events and conferences to build relationships and gain market intelligence.

Provide clients with lending needs ie mortgages/loans while maintaining a high degree of customer satisfaction. Refer clients to appropriate staff for further banking needs ie accounts and investments.

** prior to being a Financial Services Manager I held various positions within BMO since July 1974

* PLM

* Collections Manager

* Branch Manager Secretary

* Teller