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Loan Specialist

Arboga, CA, 95961
June 24, 2019

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Pa Lo 916-***-****

**** ******* *****

Arboga, California 95961


Seeking to leverage my professional expertise to grow in the new role of Loan Specialist at your company.


Articulate and persuasive in written and verbal presentations.

Expertise in anticipating and responding to customer needs.

Well organized and follows through to the last detail.

Strong belief in company loyalty and professional integrity for opportunity to build teams efforts

20 years experience in administrative and customer service with banking loan programs.

Understanding of the business operational processes and implications on others that function within the operation.

Reliable, Creative, Self-Confident, Flexible, Teachable, Trustworthy, and Respectable

Update on using computer program such as MS Word, Outlook and Internet Explorer

Currently follow up on SAFE Act rules and Bank procedures

Knowledge of government programs and regulations related to various community loan programs

Previous experience volunteered with Non-Profit.Org

Second Language Speaking: Fluently in Hmong and Laotian


10/2004-2/2019, U. S. Small Business Administration, Citrus Heights, California

Loan Specialist/Customer Services (On Contract)

Excels in analyzing financial documents, income statements, tax returns, cash flow statements, balance sheets and schedules of liabilities for business and home ownership.

Effective in servicing, collecting, negotiating or liquidating a full range of disaster home (consumer) and disaster business (commercial) loans.

Proficient in preparing financial or credit analyses, reviewing consumer and commercial loan documents with consideration and evaluation of complicating factors and determining agency’s rights .

Successful in responding verbally and in writing to applicants based on their loan determinations.

Unique ability in verifying home, flood and auto insurance to determine loan approval.

Computer skills include Internet browser, MS Word, Outlook, Encompass and Calyx Point.

Conscientious in collecting loan applications, entering data, scanning documents and downloading documents into daily activities system.

Experience underwriting loans at SBA Disasters Dept for all income levels.

3/2016- 11/2017 MB Financial Bank. San Diego, California

Sr. Loan Officer/Loan Processor

5/2015-2/2016 National Residential Mortgage, Roseville, California

Sr. Loan Officer/Loan Processor

6/2013-5/2015 Provident Bank Mortgage, Roseville, California

Sr. Loan Officer

9/2011-5/2013 Eng Lending/Bank of England, Irvine, California

Sr. Loan Officer

10/1998-9/2011 Coastal Pacific Mtg/Guild Mortgage, Sacramento, California

Sr. Loan Officer-Top Producer/Loan Processor

Consult with clients about current and future needs to help them achieve their financial goals

Advise and educate clients on the home-buying or refinance process and how to better manage their mortgages

Assist clients through the loan process from application to closing

Originate Mortgage Loans via telephone sales presentations

Recommend loan solutions and originate loans in accordance with company lending guidelines and customer satisfaction standards

Apply transaction-appropriate pricing in accordance with company guidelines and pricing policy

Ensure complete borrower satisfaction

Operate as a key point of contact during the loan process including responsibility for updating the borrower(s) on loan status, reviewing disclosures with borrower(s) and reviewing loan documents with borrower(s)

Meet loan production goals through proactive and responsive telephone presentations and pipeline management activities

Able to devise and implement business plans to meet production goals

Perform other related duties as required and assigned

Run DU, LP, LOS for Conventional, FHA, VA and other Loan programs

Pull credit, review and evaluate credit documentation based on lender's procedures

Collecting loan documentations, stacking loan docs per UW procedures for submission

Sales and Customer Service-oriented


Associated of Arts

Volunteered at Non-Profit Org:

Treasury of Hmong National Organization Inc., Co-Founder of Hmong PajNtaub Focus Group, My Sister House Org, Board Members of Non-Profit Org- Hmong, Asia Resources, Hmong Women of Heritage Inc., APCC Org, Lo-Pha Society Inc., HOPES Inc., Services as A Secretary for Hmong Nationalities of Organization, Radio Broadcasting in the Hmong community, and Currently active as a Mediator in Sacramento Hmong Mediation Council, Inc.

Pa Lo 916-***-****

3107 Feather River

Arboga, California 95961

To Whom It May Concern:

I am interested in a position as a Loan Specialist I am enclosing for your professional review a copy of my resume. Currently, I am seeking a position in which I may apply and expand my present knowledge. My ability to work independently or on a team, facilitate change, energize and motivate groups and present a mature, professional image are all vital. You will note as you read my resume, that I offer excellent experience and skills and I had been working as a intermittent Loan Specialist with SBA since 2004 and was evaluated as above work productions. I believe I would be of immediate value to the company.

My work performance is thorough, resourceful, and detailed. I welcome the challenge and responsibility of proving my worth to an organization that appreciates quality performance.

I would be pleased to discuss my background in greater detail and learn more about the needs of your company within the next two weeks. Please contact me at the above address, e-mail or telephone number.

Thank you for your consideration and reply. I look forward to hearing from you soon.


Pa Lo

Enclosure: Resume

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