Today we’d like to introduce you to Kissena Sheets.
Kissena, can you briefly walk us through your story – how you started and how you got to where you are today.
After serving in the US Army, I worked for over 16 years in the banking and finance industry. Most of my tenure in banking was with Bank of America. I was hired as an Executive Assistant in the Premier Banking/Wealth Management Division. Shortly thereafter, I was promoted to Vice President within the same department, working with affluent and high net worth clientele. My responsibility was to enhance the financial portfolio for my clients with a focus on money management, lending solutions, and investments. After leaving Bank of America, I worked as a Branch Business Manager for Regions Bank. It was here that I recognized a need for financial literacy. I noticed that customers didn’t fully understand the basic principles of banking, money management, and credit. While in Wealth Management, if clients had adverse credit, it was mitigated by the client’s banking relationship. This wasn’t the case in the Retail Banking arena. I became privy to so many people who were attempting to secure loans for various reasons, but could not qualify due to adverse credit. I was disturbed by the number of declined loans. I thought to myself there must be a way to help customers. I knew the underwriters were only concerned about the numbers and rarely considered a customer’s personal situation. I wanted to find a way to help clients who I knew were good people but just needed financial guidance. I realized that one loan could potentially change the trajectory of their life, but due to past financial whirlwinds of layoffs, caring for elderly family members, medical issues, unexpected family deaths or lack of financial education, no banking solution could be offered. It was at that point I knew I needed to use my knowledge and experience to make a difference, to change the outcome, and to help create a legacy for generational wealth.
In 2017, I opened Back Office Credit Solutions LLC, an independent, Minority and Veteran-Owned Certified Credit Restoration and Financial Consulting Company. Our mission is to educate, elevate, and inspire consumers and business owners by empowering them to take charge of their financial lives. We provide financial consulting services to include credit restoration, debt and money-management, financial planning, and lending solutions specifically tailored for the individual and business needs of our clients. As a financial educator, I get great joy from teaching workshops and speaking to the masses on the importance of financial literacy.
Great, so let’s dig a little deeper into the story – has it been an easy path overall and if not, what were the challenges you’ve had to overcome?
The transition from corporate America to entrepreneurship has been very rewarding and humbling at the same time. There were many obstacles that I did not anticipate as a new business owner. I would highly recommend maintaining control of your time. Many new owners wear all the hats. Unfortunately, there isn’t enough time in the day to complete everything. Delegate!! Capitalize on your strengths and delegate things that you struggle to complete. Allow someone who specializes in that area to help you. Work-Life Balance is important. I found myself working around the clock, neglecting my family obligations and ultimately experiencing burnout. Take time to relax and recharge by turning off the phone, taking a walk, reading, yoga or catching up with a friend. And lastly, know your value. Don’t let others dictate your worth because they don’t want or can’t afford your services. Find your target audience and market specifically to them!
Please tell us about Back Office Credit Solutions.
I have absolutely found my passion! I love working with my clients to help them achieve financial readiness. It gives me great pleasure when our clients come feeling helpless, then graduate our program knowing they have multiple financial options that will afford them the opportunity to live their dream and empower them to take back their financial lives!
At Back Office Credit Solutions, we help our clients with credit score improvement and financing options for startups and existing businesses when the banks decline their loans request due to a short time in business, overleveraged with debt, high credit card utilization, low or no profit, high-risk industry or bad credit. We also specialize in building business credit. This allows businesses to obtain financing strictly based upon the company’s EIN. Personal credit scores aren’t considered or impacted by business credit. As a result of my financial coaching, our clients receive financial education and strategies needed to maximize their credit potential and secure lending opportunities for continued personal and business growth.
There’s a wealth of academic research that suggests that a lack of mentors and networking opportunities for women has materially affected the number of women in leadership roles. Smart organizations and industry leaders are working to change this, but in the meantime, do you have any advice for finding a mentor and building a network?
If I could offer advice, I would recommend getting a business coach! Find one that is suitable for you. I tried several coaches until I found the right one for me.
Networking is a must. It goes beyond social media. Personal contact is essential. Remember networking is a giver’s gain. You shouldn’t network thinking of what can you get from this person or group. I have adopted the belief of the late Zig Ziglar, “You can have everything in life you want if you will just help enough other people get what they want”. Lastly, be strategic with your networking. You can’t attend them all or your business will suffer. Find the groups that work for you. When I started, I tried to attend every networking event available, but later realized that I didn’t have enough time to finish the requirements of my business. I now limit myself to two networking events per week. I go with the intent of meeting two people. It has worked well for me thus far.
- Address: 12000 Ford Road
Dallas, TX 75234
- Website: www.backofficecreditsolutions.com
- Phone: 972-677-3460 or 800-656-0084
- Email: firstname.lastname@example.org
- Instagram: www.instagram.com/backofficecs
- Facebook: www.facebook.com/backofficecs
- Other: https://www.linkedin.com/in/kissenasheets/