Loan Processor
Resume:
SANH KHA
**-** ***** **, ***** Meadows, NY ***** 646-***-**** *********@*****.***
OBJECTIVES
Seeking a permanent position in the finance or accounting field
COMPUTER SKILLS
Intermediate MS Word, Excel and Powerpoint
EXPERIENCE
April 2015-Current ABC Capital and Greenpoint Cover Agency
Commercial mortgage processor and Assistant Bookkeeper
Entered applicant data using Calyx Point software for commercial loan packages
•
Telephone correspondence with borrowers, brokers and real estate agents for
•
additional information as requested by underwriters
Calculated net operating income using rent rolls and recent operating
•
statements
Calculated debt service coverage ratio
•
Answered phones as needed
•
Light bookkeeping duties including invoicing, and manual journal entries into
•
general ledger for insurance premiums received and commissions paid to
brokers
Performed additional duties as requested
•
April 2014-Jan 2015 Consulting – Temporary Agency
Pricing Analyst
Used MS Excel for calculating material, labor and overhead costs in order to
•
determine sales price
Coordinated with marketing managers to negotiate prices with clients
•
Analyzed prices to fit client budgets for tender submissions
•
Analyzed cost drivers to make recommendations for clients to reduce costs
•
Jan 2008-May 2013 Student – returned to college
April 2001-July 2007 Washington Mutual Bank, various positions
Senior Underwriter
Jan 2005-July 2007
Analyzed credit, income and asset documents and maintained credit quality of
•
99% on internal audits
Underwrote first mortgage and subordinate home equity loans
•
Underwrote conventional loans using Fannie Mae underwriting guidelines
•
Underwrote other loan types using Washington Mutual portfolio and subprime
•
guidelines
Underwrote Alt-A mortgages
•
Underwrote stand alone 2nd HELOC and HEL applications
•
Risk level signing authority on loans up to $1,500,000
•
Risk level signing authority on subordinate HELOCs and HELs up to $500,000
•
References available upon request
Made credit decisions based on overall risks and compensating factors
•
Set loan conditions on approved applications to meet Fannie Mae or other
•
secondary market guidelines
Reviewed and applied weekly publications for changes to underwriting policies
•
and guidelines from corporate risk management team
Trained staff in use of bank proprietary software
•
Mentored junior underwriters in bank lending guidelines
•
Feb 2003-Sept 2004 Junior Underwriter
Analyzed credit, income and asset documents and maintained credit quality of
•
99% on internal audits
Set conditions for loan approval to meet Fannie Mae or other investor
•
guidelines
Underwrote conventional loans using Fannie Mae underwriting guidelines
•
Underwrote other loan types using Washington Mutual portfolio and subprime
•
guidelines
Risk level signing authority on 1st mortgage loans up to $1,000,000
•
Made credit decisions based on overall risks and compensating factors
•
Set loan conditions on approved applications to meet Fannie Mae or other
•
secondary market guidelines
Reviewed and applied weekly publications for changes to underwriting policies
•
and guidelines from corporate risk management team
Jan 2002-Feb 2003 Senior Loan Processor
Prepared loan packages for submission to underwriters
•
Performed verbal verification of employment and verified other applicant
•
credentials
Maintained daily status reports for loans in process
•
Ordered and evaluated appraisal and title reports
•
Heavy telephone correspondence with applicants, loan consultants and
•
attorneys
Prepared closing packages for loan applications
•
Managed a pipeline of over 120 loans
•
Funded 20+ loans a month at an average volume of $4,500,000
•
Validated and issued commitments letters on AUS approved loans with a
•
signing authority of up to $1,000,000
Cleared conditions for AUS approved loans
•
Worked with high volume loan officer and closed record number of loans
•
Performed additional duties as requested
•
July 2001-Jan 2002 Junior Loan Processor
Gathered documents to fulfill underwriter conditions
•
Telephone correspondence with applicants, loan officers, and attorneys
•
Performed verbal verification of employment and verified other applicant
•
credentials
Maintained daily status reports for loans in process
•
References available upon request
Ordered and evaluated appraisal and title reports
•
Heavy telephone correspondence with applicants, loan consultants and
•
attorneys
Prepared closing packages for loan applications
•
Performed additional duties as requested
•
April 2001-July 2001 Data Entry Specialist
Enter new loan applications into Washington Mutual proprietary software
•
Issued time sensitive disclosures to applicants
•
EDUCATION
Spring 2011-2013 BA Degree, Accounting, GPA 3.966 – Summa Cum Laude, Queens College of NY
Spring 2008-Fall 2010 AAS Degree, Accounting, GPA 4.00, Queensborough Community College of NY
Achieved President's Award and Col. John C. Lackas Award
References available upon request
Contact this candidate