ANDREW H. NGO

**** ****** **** ****, ****** TX **252

E-mail: ad2uu4@r.postjobfree.com. Phone: 972-***-**** Professional Profile

Highly motivated and success-oriented professional with over 20 years of experience in mortgage underwriting, account management, risk controls and sales. Goals oriented leader and team player with leadership experience, excellent analytical, interpersonal, organizational, financial, communication and negotiation skills. Proactive leader with refined business acumen and exemplary people skills. Proven track record of success in generating revenue, meeting and exceeding sales quotas and developing long-term relationships with clients.

Experience

10/1/2023- Present- New York Life- Life Insurance Agent

Determined clients' particular needs and financial situations by scheduling fact- finding appointments; determine extent of present coverage, investments and retirement strategies.

Present clients with boutique financial services and clearly explained insurance policy options to clients based on their needs and goals

Coordinating a protection plan by calculating and quoting rates for immediate coverage action and long-term strategy implementation.

Obtain underwriting approval by completing application for coverage.

Complete coverage by delivering policy; planning future follow-up visits and evaluations of needs.

Prospecting potential clients to determine eligibility for insurance policies.

Present company materials and discuss questions and concerns.

Adopt presentation based on client research to maximize success. 8/2017- 5/2023 - Morgan Stanley- Assistant Vice president, Plano TX

Manage day to day operations of Underwriting to meet monthly quotas for the Southwest and Great Lakes Region

Develop and monitor risk models on all close real estate transactions.

Leverage and provide market analysis to Financial Advisors and Private Bankers.

Provide insights on current interest rate risk and monitor returns on all portfolio transactions.

Evaluate Financials and collateralizations to determine all guarantees. 1

Manage and assist processing team.

Test and collaborate with subservicing vendor management teams on operational procedures to meet services level agreements.

Development tools and tiering programs to meet portfolio performances.

Create business risk strategies to support new regulatory rules.

Assist sales team as well as relationship managers to structure loans to meet all company guidelines.

Go to underwriting team for all rush review request from sales and relationship managers.

One of the top producing Texas underwriting team 4/2013

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7/2017 Capital One Mortgage, Senior Underwriter /Supervisor

Underwrite Direct and Retail loans.

1.5 million Underwriting Authority

Supervise team of 10 underwriter

Second signing of files that are not within individual signing authority.

Conduct training for new hires with Opus Phase 2 operations

Manage and support the Processing team with loan files and day to day operation to ensure level of quality.

Assist Sales team on restructuring loans prior to borrower accepting GFE

Providing direct customer contact on loan conditions. 11/2010

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4/2013 Bank of America, Underwriting Supervisor Richardson, TX

Supervise a team of 6 underwriters.

Underwriting Conventional, HARP/MHA loans

Assist Sr. Management with daily goals and conditional activities with team.

Aid processing unit through loan transaction with clients

Review documentation for compliance with internal and regulatory guidelines

Verify accuracy of supporting employment, down payment, appraisal, and financial documentation

Analyze employment profile, credit strength, property characteristics, and other information pertinent to the credit decision process on each mortgage application.

4/003

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10/2010 Mortgage Stop Inc, Broker-Owner Dallas, TX

Responsible for originating Conventional, Non-Conventional loans and sub-prime loans.

Manage loan officer and processor daily to ensure all loans are closed on time, including pricing, locking loans and finding appropriate programs for our clients.

Responsible for all payroll to employees

Conduct all audit and sales of loans to Mortgage lenders to ensure no buy backs.

Analyze reports to identify opportunity and prioritize strategies to achieve production goals for loan officers and processors

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Conduct seminars and presentations to business partners such as realtors and builders in the DFW and surrounding areas

Develop and maintain relationship with realtors and builders by doing open house 2/2002

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4/2003 First Franklin Mortgage, Underwriter Supervisor Dallas, TX

Responsible for supervising and auditing daily workflow of assigned teams to ensure time frames for processing, underwriting and funding goals are met.

Assist with underwriting of higher complexity loans with 400k loan limit.

Counsel and underwrite conventional and non-conforming loans.

Managing and auditing files that fall out of investor portfolio. Ensuring all loans quality for bulk acquisitions sales

1/1999

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12 2002 Countrywide Mortgage, Senior Underwriter Plano, TX

Provide financial guidance to close mortgage loans for multiple branches in order to meet monthly deadlines and quotas.

Responsible for managing 11 field branches across the nation.

Responsible for training new underwriters with program guidelines

Given authority to make loan amount and debt ratio exception over certain criteria.

Training new processors, account executives and branch manager with countrywide program and guidelines

Responsible for quality control audits on loan that have closed to ensure they meet company and investor's guidelines.

Consistently achieving or exceeding underwriting quotas set by the company,

Receive award for excellence in underwriting for the quarter from the president of Countrywide.

2/1998

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12 /1998 Nations Bank/Bank of America, Correspondent Underwriter Dallas, TX

10/1997

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1/1998 Pace Funding, Underwriter Dallas, TX

Summary of Qualifications

Track Record of Success

Originated $15 million dollars in the monthly sales.

Closed 120 loans annually.

No buybacks on any loans closed and funded with lenders ever.

85% rate of closing since inception of business

Sales and Profitability

My background exemplifies a successful track record of career accomplishments that includes more than 16 years of mortgage underwriting, business development, client relationship and account management.

Proven ability to exceed organizational objectives through proactive strategic initiatives.

Ability to lead personnel, build a strong work culture, drive revenues, and manage rapid growth.

Client Relations

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Solid interpersonal and communication skills, with a proven track record of establishing and maintaining excellent client relationships while developing new business.

Maintain a pleasant and professional image in the marketplace. Business Communications

Establish and maintain an excellent network of business relationships as a result of strong communication skills and extensive interactions.

Works well with realtors, builders & employees while managing customer expectations.

Analytical Skills

Ability to utilize statistics and financial information in forecasting, analyzing, and targeting.

Education University of Texas at Arlington May 1995 Bachelor of Science, Psychology

Reference Available Upon Request

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