Helen Chen

**-** ***** ******, #***, Bayside, NY 11361 516-***-**** acw652@r.postjobfree.com

PROFESSIONAL EXPERIENCE

CTBC Bank Corp. (U.S.A.), Flushing, NY June 2006- Present Loan Portfolio Officer

Successfully manage a portfolio of commercial real estate loans in excess of $90 million outstanding by monitoring the portfolio for past dues and taking appropriate action for conditions outside of loan parameters.

Facilitate loan closings by working closely with bank attorney, borrower and/or mortgage broker; reviewing loan documents for adherence with approved terms and conditions; and obtaining bank required documents for closing.

Negotiate and underwrite credit requests by making appropriate recommendations for financing secured by income producing or owner-occupied commercial real estate properties.

Perform periodic loan reviews by analyzing and reconciling financials of Borrower to ensure compliance with financial loan covenants; conducting field reviews on collateral and credit investigations on borrower and sponsors.

Responsible for preparing and ensuring the construction draw requests are disbursed timely by reviewing the project progress in the engineer site observation report, and attending the progress inspection visit with bank engineer.

Maintain department office services by ordering supplies requisitions; organizing filing systems; provide historical reference and retrieval of records.

Successfully complete annual Compliance and operational training courses to ensure conformity with bank policy and Regulators.

Kensington Title Agency, LLC, New York, NY January 2003- April 2006 Closing Officer

Coordinated title closings between title closer, attorneys’ for borrower, lender; and/or seller, and issue ALTA Fee and/or Owner’s title policy for commercial and residential real estate.

Under the direction of the Title Reader, interpreted County Examiners’ search-abstract into schedule A and schedule B of the title report.

Processed title reports of commercial and residential properties for purchase or refinance.

Performed in the daily operations of the office by orienting and training of new employees; and ordering office supplies.

EDUCATION

University at Albany, State University of New York Bachelor of Science, Economics

Minors: Business Administration and Sociology

SKILLS

Computer: Microsoft Office and certain other specialty software

Notary Public

Bilingual- Mandarin (Chinese)