SAM ZHENG

New York, NY ***** • Phone: 917-***-**** • E-Mail: acrg87@r.postjobfree.com

Summary of Qualifications:

Self motivated mortgage professional with thorough knowledge of the mortgage process including origination, processing, underwriting, lock desk, closing, secondary market, QC, Audit, Lending Compliance, Loan boarding, and Escrow account managing.

Accomplishments

Efficiently lead the operations team to achieve a record number of annual closings

Cross trained all team members which provided them with opportunities to advance into different positions

Rewritten QC Handbook and re-designed QC Reports to comply with industry standard and meet internal needs

Loan origination system conversion from Calyx Point to Encompass as system administrator

Development of new loan programs by collaborating with different departments

Design and Standardization of all reporting for operation and loan committee meeting

Sustained and continuously improved a comprehensive underwriting system

Built easy to use master database for closing, loan sale, loan exception, and invoice tracking

Created compliance testing system in excel for daily rate sheet and closing purpose

Essential support with the bank's operation manual, lending compliance policy and procedure

EXPERIENCE

First American International Bank, Brooklyn, NY

Residential Mortgage Group Operations Manager (2013 to 2015)

Developing and improving residential mortgage operations

Oversee processing, underwriting, closing, Lock Desk, secondary market, QC, and HMDA operations

Point of contact for lending & compliance audits, and quality control operations

Took on the role of system administrator by setting and programming Encompass controls to accommodate the bank's business and operational needs

Conduct risk assessment of the residential mortgage pipeline

Provide training on LOS system, excel, processing, underwriting, compliance, QC, Lock desk related topics

Senior Mortgage Underwriter (2008-2012)

Analyzed personal and corporation financial documentation, credit reports and other credit indicators

Evaluated the accuracy of information provided by borrowers with fraud detection techniques

Ensured fulfillment of compliance requirements during the loan origination process

Managed a high volume of loan production on a daily basis

Assisted senior management in setting internal lending guidelines and parameters

Mortgage Specialist/Loan Officer (2006-2008)

Interviewed potential customers for residential, commercial, and credit lines, and follow through the entire process

Introduced a new commercial real estate loan product, created the master loan and closing document and designed the procedures and training manual.

Represented the bank and attended HELOC and CELOC closings (closings without assistance of bank attorney)

Supervised the entire HMDA process

Coordinated monthly meetings for Chinese American Bankers Association

Loan Processor (2003-2006)

Processed residential & commercial mortgage loans

Set up and delivered loans to secondary market

Created MS Access Database for lending department

Managed real estate tax payments for in-house loans along with annual escrow account analyses

MFT.COM International Corp., Queens, NY (2002)

Networking Consultant

Developed an office telephone managing computer program for medical clinic for cost cutting.

Physical network wiring and provided IT support for clients.

SKILLS

Ability to prioritize and organize functions on daily basis and respond well in high-stress atmosphere

Proven interpersonal skills and a dedicated team player

Very quick learning ability, and ability to modify a good ideal and execute it for best practice purpose

High-Balance, Investment, Conventional, My-Community, correspondence, Jumbo lending

Extensive experience with all area of loan process from origination to post closing

Extensive knowledge in lending Quality Control and Compliance

MS Office, Encompass, Calyx point, DU, Miser, LaserPro, FNMA Committing System & loan delivery, Java, Lexis-Nexis

EDUCATION

SUNY, Stony Brook University at Stony Brook, NY

B.S. in Applied Mathematics and Statistics

B.S. in Computer Science

Minor in Business Management

LICENSES & COURSE COMPLETED

Credit Analysis Certificate from NYU

Lending Compliance Certificate from Professional Bank Services, Inc.

N.Y.S. Notary Public license

Completion of Microsoft Certified IT Professional Course (MCITP)

LANGUAGES

Proficient in English and Chinese (Cantonese, Mandarin, and Fujian Dialect)

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