Interview with Velina Ivanova
Hello, Velina! Please introduce yourself and tell us about your experience so far.
My name is Velina Ivanova, and I am a Key Account Manager at Creditchoice Ltd. I have been with the company almost since its inception 7 years ago. I have over 10 years of experience in the field of sales.
Tell us about your successes in 2024.
2024 has been the most successful year for me since joining the Creditchoice Ltd. team! I owe this not only to the current market conditions but also to the experience I’ve accumulated over the years and the satisfied clients who recommend me. With each passing year, I receive more referrals; in 2024, I consulted 140 clients and facilitated the finalisation of 121 loans.
What types of clients turn to you?
To me, every client is important, regardless of their profession or income level. I have clients from a wide variety of professional sectors – pharmacy, trade, construction, telecommunications, information technology, and more. Most of my clients seek bank financing primarily for purchasing their own homes.
How do you help a client who wants to take out a loan from a bank?
My work consists of gathering loan offers from several banks and explaining every single detail of these offers to the client, so they can make their own informed choice. I help the client structure the loan in the most appropriate way, ensuring we align with their desires and financial capabilities. For me, the most important thing is to get the job done for the client, so they remain satisfied with my service as a Mortgage Broker and provide me with a recommendation.
How does a meeting between you and your client usually proceed?
As Mortgage Brokers, our work is very closely linked to psychology. From the very first face-to-face meeting with a client, we must be able to understand their specific typology to meet their expectations. It is vital to be sincere with the client and convey information in a way that they understand – we need to speak their language.
What advice would you give to people who need financing?
I would tell them to seek assistance from a registered credit intermediary that works with multiple banks when they want to take out a loan. This gives them the advantage of choosing between several options and offers. Furthermore, our service is regulated and under the control of the Bulgarian National Bank (BNB), which provides security and peace of mind to the client. This can protect them from unfair commercial practices often found in the real estate business. We can draw the client’s attention to things they might not know, allowing them to make a decision without the risk of future difficulties in repaying the loan.
Why should clients choose Creditchoice Ltd.?
Creditchoice Ltd. is a registered credit intermediary with the Bulgarian National Bank (BNB) and a member of the Association of Credit Intermediaries. We possess one quality that sets us apart and, for me, is our greatest asset – above all, we are human. We try to step into every client’s shoes to find the best solution for them, so that when we go home, we feel happy and satisfied with the work we’ve done. We strive to provide a high-quality service, and our referrals and returning clients are the true measure of that quality.
