~ Position ~

Areas of Focus: Mortgage Finance

Qualifications Profile

Dynamic, detail-oriented, and performance-focused professional, offering broad-based experience in mortgage loan administration, property management, forecasting, and technical support. Equipped with comprehensive knowledge in all aspects of financial and business operations, with aptitude in fostering a positive working environment. Commended as goal-driven leader with well-defined communication, multitasking, interpersonal, problem-solving, and analytical skills. Expert at establishing strong, professional relationships with partners, clients, and executives within multiple industries. Bilingual in English and Mandarin.

Areas of expertise include:

Financial Management Customer Service and Relations Credit and Risk Analysis

Strategic Planning and Implementation Administrative and General Management Regulatory Compliance

Continuous Process Improvements Rapid Conflict Resolution Organizational Leadership and Team Building

Notable Accomplishments

Successfully led and processed over 20 million of annual origination volume which substantially acquired an average 80% closing rate; thus optimizing productivity.

Established a reputation for continuously handling increasing responsibilities on successful processing, pre-underwriting, and auditing initiatives.

Drove performance improvements by progressively serving on the following loan processing duties:

Directly and effectively dealt with various mortgage wholesale lenders in loan processing and consulting initiatives

Acted as a Credit Bureau member at CoreLogic Credco responsible for ordering credit report

Oversaw and ordered appraisal report on behalf of the borrower through each wholesale lender-approved management company

Took a vital role as processor with pre-underwriting borrowers’ ability to repay as well as qualification of mortgage, by utilizing the Fannie Mae Desktop Originator (DO)

Directed the oversight and processing of excess in loans, encompassing financing products and commercial properties on apartment buildings, gas station, warehouse, office buildings, mix-used buildings, and hotels.

Expertly utilized various loan products, including conventional mortgage, nontraditional first mortgage loans, and home equities; consistently ensuring compliance with Federal Housing Administration (FHA) loans encompassing Section 203(b), Section 203(k), Section 234(c), and Section 251.

Demonstrated wide-ranging expertise in solely processing and closing residential purchasing loans on foreclosure and short sale properties.

Professional Experience

Assistant Manager; Senior Loan Originator; and Loan Processor Portico Mortgage Inc., New York 2006–Present

Oversee the entire application aspects of loans, from the preparation of packages to submission, for accurate and timely clearing of underwriting conditions, and finally to successful closing.

Assume full accountability in requesting the required documentation; assessing and verifying information of all loans; and efficiently closing and funding loans monthly, which include residential and commercial loans.

Initiate the compilation and submission of proper documents on behalf of qualified borrowers to significantly obtain mortgage financing.

Establish and maintain professional working relationships with all parties involved in the key transaction.

Earlier Career

Loan Officer Back of China, Chengdu Branch, Chengdu, China

Provided expert leadership in achieving short- and long-term financial needs of all customers through various loan programs, which included business, government-sponsored foreign, and construction loans.

Education

Master of Science in Computer Science

State University of New York at Stony Brook Stony Brook, NY, USA

Bachelor of Arts in Banking

Sichuan University Sichuan, China

Licensure

Loan Originator License in New York and New Jersey State

Nationwide Mortgage Licensing System & Registry (NMLS)

Passed the Uniform State Test (UST) Examination

Eligible for loan originator license application in various states

Professional Development

Credit and Risk Analyst Certification Training

Stock Market Training

Anti-Money Laundering Training

Mortgage Fraud Training

Commercial Lending, Advanced Processing and Underwriting

Advanced Underwriting Training

New York Real Estate Sales Agent Training

Accounting Training

Technical Acumen

Encompass

Calyx Point

Microsoft Office Suite (Word, Excel, PowerPoint, and Outlook)

Microsoft Access

Internet Applications

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