Customer Service Management
Resume:
Juyuan Zhang
Houston, TX ****2
******.*****@*****.***
Profile Summary:
Experienced professional with a career in finance; financial analysis and
credit structuring with over 6 years of experience.
Excel at interfacing with team members and other departments at various
levels to ensure individual, departmental and organizational goals are
attained.
Proactive approach to problem solving and workflow management.
Completion of formal commercial credit training course from the RMA (Risk
Management Association).
Work Experience:
JPMorgan Chase, Houston, TX
9/07-Present
Credit Approval Officer
.
Analyze financial statements to determine that sources of repayment and key
performance ratios are consistent with underwriting guidelines to ensure
quality credit decisions for companies with annual revenues of up to $10
million. Determine the appropriate risk grade and credit structure in order
to mitigate loss potential. Assess profitability, future growth drivers, cost
structures, collateral sources and debt structure. Prepare and present policy
exceptions to management for marginal credits when appropriate.
Perform financial projections, including stress testing and debt service
scenarios, in order to assess appropriate cash flow levels for businesses in
the growth phase as well as start-ups. Analyze industry trends and the impact
of economic cycles on industry trends. Experience with multiple entities,
holding companies and subsidiaries.
Assist the field with credit decisions and maintain a proactive approach to
the reconsideration process. Interact with internal partners to provide the
appropriate products and support to the field. Provide timely turn around of
credit decisions.
Underscore the significance of accuracy, processing time, regulatory and
compliance standards as well as the ability to identify, recommend and
justify policy exceptions that are mitigated by thorough analysis.
Selected to participate in exclusive Know Your Customer (KYC) Project;
partnered with KPMG to conduct comprehensive reviews and compilation of
customer transactions, including check requests, international wires and
deposits for submission to the Office of the Comptroller of the Currency
(OCC).
Uphold exceptional customer service standards by providing timely responses
to inquiries and requests.
Countrywide Home Loans, Jericho, NY
1/06-4/07
Underwriter II
Independently conducted full and comprehensive evaluations of a variety of
complex mortgage applications and made credit decisions based on the analysis
of credit reports, financial statements and collaterals.
Reviewed, evaluated and synthesized data to ascertain loan viability,
identified risk issues and potential fraud through research from sources such
as Lexis-Nexis, Pacer, SiteXdata, and internal FMS Imaging.
Reviewed loan conditions to ensure accuracy, completeness and compliance with
regulations and guidelines, while reevaluating debt-to-income ratios,
loan-to-value ratios, property valuation and various other factors such as
titles, to ensure approvals were in line post initial underwriting.
Identified and recommended alternatives regarding loan structuring and
financing solutions where needed, in addition, reviewed and analyzed special
conditions, loan deficiencies and exceptions to determine appropriate course
of action.
Provided input on new and/or existing underwriting processes, procedures
and/or approaches to increase efficiency of the underwriting department.
Kept abreast of regulation and guideline changes and provided underwriting
guidance and expertise to less-experienced personnel.
Assisted in the training of new hires to ensure company policies and
guidelines are conveyed accurately.
Point person and liaison for company's One Source Program between Prime and
Sub-prime division.
Argent Mortgage Company, White Plains, NY
9/03-1/06
Supervisor
Directly supervised a staff of 20+ loan processors and underwriters, while
ensuring adherence to company policies, procedures and underwriting
guidelines.
Conducted interviews of potential candidates and hiring of staff members
along with performance evaluations for existing employees.
Provided training and guidance to existing staff members and audited work
performed by new hires to ensure proper development of new hires to company
standards.
Generated senior management reports to provide status of weekly progress on
efficiency and problematic loans encountered.
Implemented new ideas such as workload management, scheduling and goal
setting initiatives to successfully streamline and enhance the efficiency of
the evening shift.
Account Manager
Directly managed a highly active pipeline established through close business
relations with numerous clients.
Generated new and existing businesses of $8 million+ closings monthly by
working closely as a team with the company external sales force through
everyday interaction and strategic planning.
Acted as liaison between brokers, title companies and account executives to
provide superb customer service, resolution of issues, and to ensure timely
closings of all loans.
Provided training and informational updates to clients of new company
products and procedures.
Retrieved and analyzed complex documentation for the clearing of outstanding
conditions.
Ensured cleanliness of loans through thorough audit of files prior to closing
and funding of loans.
Mortgage Underwriter
Analyzed risk factors along with compensating factors that mitigate risk to
the lender and structured transactions accordingly.
Reviewed and analyzed all areas of the mortgage loan application to ensure
accuracy, completeness and compliance with internal and regulatory
guidelines.
Priced loans accurately and strategically to maximize efficiency.
Performed credit decisions and backside analysis of loans.
Verified all documentation and performed necessary calculations such as
debt-to-income and disposal income.
Education & Professional Training:
State University of New York at Buffalo
Bachelor of Arts - School of Informatics, Graduated May 2002
Concentration: Communications
Relevant coursework in Financial Accounting, Economics and Finance
Self study of Series 7 examination guide
Computer Skills:
Windows (95, 98, 2000, XP & Vista), Microsoft Professional Suite (Word,
Excel, Outlook, PowerPoint) Lotus Notes, FMS Imaging, Empower, Edge,
Lexis-Nexis, Pacer, SiteXdata, AS400 and Apstar
Languages:
Fluent in Chinese (Shanghainese, Mandarin and Cantonese)
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