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Customer Service Loan

San Jose, CA
October 19, 2018

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Process superior communication skills with a heavy on customer service

Developed relationship by promoting products and services

Strong background in mortgage industry with more than ten years of experience in processing and loan originating with extensive knowledge and Fannie Mae and Freddie Mac and other investors guidelines

Well experience working multiples of loan origination platforms

Highly motivated self-starter who can work independently with minimal supervisor

Ability to explain mortgage terms to diverse clientele

Knowledge of applicable laws and regulations pertaining to mortgage lending and financial services


FREMONT BANK, Livermore CA- Wholesale Channel July 2017-Present Sr Loan Processor

Responsible for processing and managing a pipeline of 50-65 residential mortgage loans

Responsible main contact of communication and support between the Brokers, Account Executives (A/E) and internal departments including Underwriting, Disclosure, Quality Control, Secondary, Docs and Funding throughout the process of the loan

Ability to work quickly and efficiently to move file through loan stages and proactively monitor the pipeline to ensure transactions close in a timely manner

Responsible to review and evaluate loan file documentations including AUS findings and credit reports, preliminary title reports, Flood Certifications, appraisals and income and asset documentations, insurance, etc.

Perform due diligence

Responsible to ensure compliance deadlines are met including, redisclosures, approval letters, notice of incomplete letters and cancellations

Responsible to monitor incoming documents from Brokers and verifying the data collected and obtain necessary stipulations from brokers and clears any stipulations in preparation to submit the file to Underwriting for final approval

Proactively communicate with Manager and brokers/AE regarding status of loans

Follow-up on outbound calls

Ability to meet monthly production goals

GOOGAIN INC, Sunnyvale CA-Direct lender May 2014-June 2017 Sr Loan Processor/Loan Originator

Experience working with of Encompass and paperless

Well familiar working with all Major lenders web interface system

Knowledge of Fannie Mae, Freddie Mac and Jumbo underwriting guidelines and strong knowledge of current lending compliance requirements

Responsible for duties relating processing files from application to closing

Review incoming loan applications and ensure all collected supporting documents are completed correctly and required documents are provided

Experience with income calculations with all types of borrowers include rental income calculation

Responsible to run AUS, DU/LP engines in preparation to submit file to Underwriting

Ability to handle extensive pipeline and ability to meet deadline in a fast pace environment

Assisting and supporting company agents with investors guidelines, pricing and structure the loan scenarios

Prepare and issue disclosures to meet company’s guideline and Government Compliance requirement

Responsible to review commitment letter, communicate with borrowers, loan agents, follow up and gather all required conditions to gain a final clear to close

Prepare closing disclosure and drawing docs

MORGAN REAL ESTATE San Jose CA -Mortgage broker May 2011-April 2014 Sr Loan Processor

Proficient in AUS, DU/LP and Calyx Point

Responsible to process the application from application to close

Review incoming application and verify borrowers supporting documents and analyze to ensure loan meets eligibility

Assist loan agents with investors guidelines, pricing, locking rates and loan scenarios

Assistance’s top agent of the company including research and follow-up on outbound calls

Coordinate Real estate transactions


San Jose State University-Major in Business Administrator Associate degree

Real Estate License

MNLS License Loan Originator

Completed Ellie Mae education courses


Strong Relationship building skills

Proficient with Encompass, Calyx Point, Desktop Underwriter, Loan Prospector Empower, Black Knight LoanSphere, Microsoft office, Word, Excel, Adobe

Fluent in speaking, writing English and Vietnamese Languages

High energy, self-motivated and service-oriented attitude

Organized, detail-oriented, adaptable, responsible, patience, and efficient multi-tasker

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