Sales Real Estate

Sheri Fong *** Valleyview Way, South San Francisco, CA

Qualifications:

Results driven, continuously stimulated, and propelled in providing experience in real estate and lending activities and sales and operations management in banking to further enhance my career in the financial industry.

Excellent management, communication, and sales skills

Strong attention to detail and highly organized; ability to achieve immediate, long-term goals, and meet operational deadlines

Successful working as an independent contributor, as a team member, and as a manager.

Versatile, responsive, and resourceful; ability to manage multiple concurrent/diverse projects, ascertain business changes, and identify roadblocks.

Experience

Real Estate Consultant

Urban Realty, San Francisco Bay Area

October 2010- Present

Placing clients’ needs, goals and objectives at the forefront of every transactions

Bringing to the buyers and sellers the same level of service, dedication and respect

Strong communication, negotiation and management skills in combination with in-depth knowledge of the San Francisco Bay Area’s neighborhoods and real estate market

Client satisfaction and effectiveness as counselor, facilitator and liaison – from property search or listing, through market analysis, to negotiations, escrow and closing

Perseverance, tenaciousness and attention to detail in service to clients

Experience in financing residential loans reassures trust and respect by colleagues and clients alike

A proven network of expert vendors for inspections, warranties, repair, lending and more

Processor

San Mateo Credit Union

May 2015 – August 2015

Provide support to Real Estate Loan Officers, Managers, Underwriters, Services, Closers, and Funders to ensure completeness of financial and loan data.

Evaluate loan documents to ensure accuracy, completeness and conformance.

Coordinate loan closing activities with members and other third parties including title companies and real estate agents.

Review application, financial documentation, credit report, appraisal report, and preliminary report.

Communicate with members throughout the loan process, collecting financial documentation for lender approval and ensure compliance with portfolio and investor guidelines.

Conduct financial cash-flow analysis using Prime Alliance and structure loans.

Assess rates and loan program; lock in rates with correspondent lender.

Maintained and managed pipeline of 50+ loans per month including first mortgages, fixed second mortgages, and home equity lines of credit.

Resolved and cleared reported information on credit report, appraisal report, and preliminary report.

Assist in coordinating daily tasks to ensure transactions are complete on time.

Underwriter

Freedom Financial, Consolidation Plus

January 2014 – May 2015

Underwrite unsecured loans and ensure compliance with Portfolio lending guidelines.

Maintained 12 underwrites per day, as one of the top underwriters in a staff of 6.

Accuracy level to details and compliance maintained at 95%, overall portfolio loss rate less than 1%.

Analyze income, conduct cash-flow analysis from Paystubs, W-2s, Tax Returns, and Bank Statements

Review credit report and ensure OFAC and credit rating is accurate

Provide support to loan officers, processors, servicers, negotiators, and management to ensure completeness of financial data

Facilitate and train team members to become familiar with portfolio loan guidelines and procedures,

Recommend methods to achieve goals, and propose implementation on portfolio guidelines

Correspond with borrowers throughout loan process, collect conditions to analyze stability, ability, and willingness along with financial history to conduct cash flow analysis

Maintain an outstanding client experience throughout the loan process

Manage, coordinate, and monitor pipelines.

Mortgage Lending Consultant

Aditi (Contractor with Silicon Valley Bank: Private Bank), Menlo Park

July 2012 – October 2013

Underwrite loans and ensure compliance with Portfolio lending guidelines.

Provide support to Senior Mortgage Lenders, Managing Directors, Deal Teams, and Processors to ensure completeness of financial data.

Analyze income, conduct financial cash-flow analysis from paystubs, W-2s, and Tax Returns.

Evaluate loan documents to ensure accuracy, completeness, and conformance.

Correspond with borrowers throughout loan process, collect conditions for underwriting teams to analyze stability and financial history.

Assist in coordinating daily tasks to ensure transactions are completed on time.

Coordinate loan closing activities with borrowers and other third parties including title companies, lawyers, and real estate agents.

Assess rates and loan program; lock in rates with correspondent lender.

Review application, financial documentation, credit report, appraisal report, and preliminary report.

Manage, coordinate, and monitor pipelines.

Maintain an outstanding client experience throughout the loan process to establish relationship retention.

Residential Mortgage Consultant

Select Financial, Daly City, CA

January 2008- July 2012

Underwrite using DU for FNMA/ Freddie/ Jumbo loans

Conduct financial cash-flow analysis (Point) and structure loans.

Consult clients on purchase, refinance, and home equity loan products.

Communicate with borrowers throughout the loan process, collect financial documents for lender approval and ensure compliance with lending guidelines.

Review application, financial documentation, credit report, bank statements, appraisal report, and preliminary report.

Provide instructions and work with 3rd parties including escrow officers, loan closers, funders, and appraisal vendors.

Review, analyze, and examine loan documentation for accuracy and completeness.

Assistant Manager

U.S. Bank, San Francisco, CA

January 2005-January 2008

Managed store operations and controlled operational losses; reviewed and monitored loss trends to minimize business risk

Provided assistance and resolution to escalated issues; reviewed, researched, and resolved operations errors within specified timeframe.

Supported and guided staff of 10 to familiarize in financial products, services, and operations procedures.

Trained tellers and personnel to prospect and cross-sell to meet the financial needs of both merchant and consumer clients.

Oversaw branch on behalf of branch manager when absent.

Reviewed and audited new accounts to ensure compliance standards are met.

Supervised branch in operations including authorizing approvals and service issues.

Responsible for monitoring daily and quarterly branch sales goal.

Assisted and aided other branches for retail support.

Responsible for staff scheduling to maximize resources and reach business objectives

Responsible for interviewing and evaluating staff performance

Personal Banker

Wells Fargo, San Francsico, CA

February 2002-December 2004

Achieve top ten percent each quarter as a personal banker in the market area

Accomplished rewards and made name recognizable for outstanding sales performance

Increased sales by prospecting for opportunities outside the bank

Pre- Qualify borrowers, submit to centralize underwriting, work with borrowers on getting approval and clearing items to close the loans (Home Loans, Residential, Auto, Personal, and some commercial lines of credit).

Advised and resolved customer issues for both business and consumer clients

Supervised branch operations with authorization approvals and service issues

Worked with partners in referrals and cross-selling to meet clients’ requests

Organized sales and service area to meet compliance measures

Provided sales training to personnel to gain skills and knowledge of financial products and services

Responsible for monitoring daily and quarterly branch sales goal

Structured and arranged goal plan for branch and staff

Input and reviewed accuracy of international and domestic wire transfers

Education

San Francisco State University 2000-2005

B.S. in Business Finance

Licensed Realtor

Taken fire and casualty class with A.D. Banker

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