Elena Sanchez

Experience

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  Bank of America

  Apr 1998 - Apr 2010

  Advise potential borrowers regarding appropriate loan programs and the loan process. Engage in loan origination activities that include calling on Realtors, Builders, Affinity partners or other B2B business partners in the community. Participate in community or trade events for the purpose of promoting the Company. Quoting rates, programs and taking loan applications, and conducting loan support activities that encompass the point of sale. In addition, recruits, hires, coaches, counsels subordinate sales people and monitor sales activities within their sales team. Responsible for conducting training for any new hire or existing hires in both skills development and product training. Prepares and participates in Realtor/Builder functions including open houses and conventions. Monitor and analyze financial profitability; product penetration, opportunity and market share capture. Manage expense controls, draw management, pricing exceptions, pricing, and bonus reports. Work with ROCs, ROMs, quality control units, and other support units to enhance profitability, production and quality control. Show less Identifies, develops and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. Networking with real estate professionals, builders, professional and personal contacts. Frequently participated in business related development opportunities, community efforts to promote home ownership and professional organizations. Interviewed with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information. Maintained thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements. Show less Routinely working with consumer customers and small business clients to build and deepen relationships by uncovering financial needs and recommending and selling the best products, services and solutions to meet those needsQouting rates, terms and programs for loan customer requestsResponding to customer inquiries and concerns and creating customized solutionsRecognizing and referring cross-sell opportunities.Monitoring and tracking daily/weekly sales activitiesObtaining referrals from customers Meeting and exceeding consumer and small business client goals with the utmost of accuracy and highest ethical standards. Opening deposit accounts and selling financial products (e.g. credit cards, CDs, IRAs, loans) Identifying opportunities to introduce customers to specialists and business partners Building solid relationships with teammates, business partners and specialists by fostering teamwork, partnership and collaboration Ensuring the customer’s needs are met by partnering with specialists and business partners to understand what they offer to customers and the most effective way to generate business referrals (e.g. customer’s banking, small business, mortgage and investment needs) Executing sales and service tactics, activities and processes, as appropriate Leveraging available resources and technologies to optimize the customer experience and serve our customers with operational excellence and accuracy Proactively managing risk in every business, product, and service transaction leveraging available tools Show less

  • AVP Retail Sales Mgr

    Jul 2008 - Apr 2010

  • AVP Senior Mortgage Loan Officer

    May 2003 - Jul 2008

  • Senior Personal Banking Officer

    Apr 1998 - May 2003
• 

  Bank of America

  Jan 2011 - Jul 2014

  Loss Mitigation Foreclosure Review, Quality Assurance

  • AVP Mortgage Servicing Team Mgr

    Oct 2011 - Jul 2014

  • Quality Assurance Analyst

    Jan 2011 - Jan 2012
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  Gullion Properties

  Nov 2016 - now

  Licensed Realtor

  Rent, buy, or sell the property for clients. Perform duties, such as study property listings, interview prospective clients, accompany clients to property site, discuss conditions of sale, and draw up real estate contracts.