My best advice to you is to talk with a few Realtors to see which one can be a best match for you. Remember that the best Realtor is not going to be the one that tells you he can get more money for your listing - in many instances some of those Realtors are just saying that to get your business and then later will ask you to reduce the asking price. Instead go with the one that can demostrate more knowledge of your specific situation and is more honest from the begining. Remember some times the truth can hurt, especially on this market, but you are better off with an agent who tells you the truth from the begining.
On your case your previous Realtor might or might not have been a good match for your situation. But if you listed your property at "X" price and it didn't sell, there is a good chance that you might need a price reduction and that your bank is wrong. If the value of the property was more than the listing price, it would have sold.
There are other factors involved in addition to pricing, like presentation (staging), marketing, etc... But in your case a deeper analysis will be needed since there is a chance that your Realtor was right and the bank is wrong. Either way it seems like you are close to the break-even point.
There are many great agents in Phoenix, so I am sure you are going to be able to find a great match for you.