Customer Service Loan Originator
Resume:
ORIANA
CHAN
OPEN TO ANY QUALIFIED
POSITION
************@*****.***
Monterey Park, CA 91754
CONTACT
SKILLS
• Regulatory compliance
• Client retention
• Time management
• Documentation review
• Financial analysis
• Cross-selling
• Underwriting knowledge
• Sales expertise
• Customer service
• Credit evaluation
• Risk assessment
• Loan structuring
• Product knowledge
• Attention to detail
• Networking abilities
• Financial analysis aptitude
• Document analysis
• Credit analysis
• Banking
• Client Relations
• Team Player
Accomplished Senior Loan Originator with a proven track record at PrimeLending, adept at financial analysis and customer service. Expert in navigating regulatory compliance, enhancing client retention through meticulous credit evaluation and personalized guidance. Distinguished by exceptional networking abilities and sales expertise, consistently maximizing loan structuring efficiency and client satisfaction. Reliable worker with excellent communication, time management, and computer skills. A driven and detail-oriented individual with a desire to use analytical and problem-solving skills to meet goals. PROFESSIONAL SUMMARY
Senior Loan Originator
Fidelity Funding Bancorp, San Gabriel, CA
Senior Loan Originator
PrimeLending, Monrovia, CA
EXPERIENCE
February 2024 - Present
Performed quality control checks on all submitted files prior to submission to investors or insurers.
•
Conducted detailed analysis on credit reports, appraisals and title documents to ensure accuracy.
•
Interpreted complex lending regulations, policies, procedures and guidelines
• related to mortgage industry standards.
Analyzed financial information of applicants to determine eligibility for loan products.
•
Collaborated with external vendors such as title companies, appraisers, to ensure seamless transactions.
•
Advised customers about available options for financing residential purchases
• or refinances.
Provided guidance to borrowers throughout the entire loan process including pre-qualifications, rate locks and closings.
•
Managed pipeline of loans from pre-qualification through closing in compliance with regulatory requirements.
•
Analyzed applicants' financial status and credit and property evaluations to
• determine feasibility of granting loans.
March 2022 - January 2024
Generated periodic reports summarizing activities such as number of loans processed, average time for processing loans.
•
LANGUAGES
• Chinese (Cantonese)
Conversational
Marketing Representative/Senior Loan Advisor
TransGlobal, Monrovia, CA
Senior Mortgage Loan Originator
Gold Star Mortgage, Rosemead, CA
Senior Mortgage Loan Advisor
Chase, Montebello, CA
Monitored market conditions and recommended appropriate loan programs based on individual needs.
•
Analyzed financial information of applicants to determine eligibility for loan
• products.
Evaluated potential borrowers' creditworthiness by reviewing their employment history, debt levels and assets.
•
Provided guidance to borrowers throughout the entire loan process including pre-qualifications, rate locks and closings.
•
• Processed loan applications, reviewed credit reports, and made loan decisions. Analyzed credit report and financial scenarios, determining appropriate loan products for customers.
•
Resolved file problems, bottlenecks and qualified issues throughout production and underwriting process.
•
November 2019 - March 2022
Analyzed competitors' products, pricing and promotions to gain competitive
• advantage.
• Identified new opportunities for business growth through market analysis. Planned promotional activities such as contests, sweepstakes, giveaways and special offers.
•
• Implemented effective social media campaigns across multiple platforms. Attended networking groups and events to build relationships with other business professionals.
•
Created flyers and advertisements for Facebook, Instagram and other social media platforms.
•
Maintained up-to-date knowledge of current trends in digital marketing
• techniques.
• Managed marketing activities in assigned regions to maximize field sales activity. August 2019 - November 2019
Established strong working relationships with internal staff members such as underwriters, processors, appraisers.
•
Provided assistance with post-closing activities such as preparing documents
• needed for funding and recording mortgages at county offices. Analyzed financial data such as income, debt, credit history and assets of potential borrowers.
•
Prepared loan packages for submission to underwriting department for approval.
•
March 2016 - April 2019
Senior Mortgage Loan Advisor
Wells Fargo, Alhambra, CA
Senior Loan Originator
Pope Mortgage, Ontario, CA
Mortgage Manager
Countrywide, Rosemead, CA
Researched current trends and developments within the mortgage industry and kept abreast of changes in rules and regulations affecting the industry.
•
Reviewed appraisals for accuracy according to industry standards prior to
• submitting them for approval.
Compiled detailed reports for management regarding monthly production activity and progress towards goals.
•
Monitored all stages of the loan process from pre-qualification through closing ensuring timely completion.
•
Conducted credit checks and analyzed financial information to determine
• eligibility for loans.
Established relationships with realtors, builders, developers and other referral sources for new business opportunities.
•
Analyzed borrower's income statements, assets and liabilities, debt ratios and cash flow to ensure compliance with lending guidelines.
•
April 2009 - March 2016
Reviewed appraisals for accuracy according to industry standards prior to
• submitting them for approval.
Maintained up-to-date knowledge of federal, state, and local regulations related to mortgages.
•
Provided guidance to clients on mortgage options based on their individual needs and financial situation.
•
Analyzed borrower's income statements, assets and liabilities, debt ratios and
• cash flow to ensure compliance with lending guidelines. Developed expertise in loan origination and processing, customer service, financial analysis, and problem solving.
•
Developed strategies for cross selling products such as home equity lines of credit or refinancing options.
•
Ensured that all documents are accurately prepared and comply with applicable
• laws and regulations.
February 2007 - March 2009
Reviewed borrower's financial statements and tax returns to validate income qualifications.
•
Maintained up-to-date knowledge of changes in laws and regulations pertaining to consumer lending practices.
•
Conducted detailed analysis on credit reports, appraisals and title documents to
• ensure accuracy.
June 1998 - February 2007
Investigator
Department of Defense, Pasadena, CA
Provided training sessions for staff members regarding regulatory compliance issues.
•
Prepared comprehensive summaries of loan applications for review by senior
• management teams.
Advised clients on available options based on their individual needs and preferences.
•
Analyzed credit reports, appraisals, financial statements, and other documents for accuracy and completeness.
•
Managed a team of mortgage loan officers to meet production goals and
• objectives.
Monitored daily pipeline activity in order to identify trends or areas needing improvement.
•
Negotiated terms with borrowers when necessary in order to secure optimal interest rates or repayment plans.
•
Established relationships with real estate agents, brokers, and other external
• partners to increase referrals.
Oversaw the preparation of closing documents including promissory notes, deeds of trust, settlement statements and other related documents.
•
February 1985 - September 1995
Compiled comprehensive reports on all investigative findings, including relevant documents and photographs.
•
Collaborated with law enforcement agencies at local, state, and federal levels for
• joint investigations.
• Liaised with law enforcement and detectives to assist with investigations. Searched computer databases, public records, and other resources to locate persons or compile information for investigations.
•
Attended meetings, seminars, and workshops to expand investigatory law
• services expertise.
Analyzed digital footprints left by suspects on the internet and social media networks.
•
Conducted interviews with victims, witnesses, and suspects to gain insight into case details.
•
Gathered and analyzed information from variety of sources to assess
• completeness and validity.
Performed background checks on persons of interest to verify statements made during interrogations.
•
• Analyzed facts to identify suspects and develop case information.
• Prepared evidence and investigative reports for submission in court. Accessed legal research databases to develop leads, locate evidence and identify possible suspects.
•
Obtained court orders, subpoenas and other legal processes from appropriate authorities.
•
Interviewed witnesses to collect evidence and written statements regarding
• committed crimes.
Evaluated evidence, distinguishing facts from hearsay and providing reports of extremely sensitive investigations.
•
• Prepared reports that detail investigation findings. Bachelor of Arts (B.A.) in Sociology
California Baptist University, Riverside, CA, US
EDUCATION
June 1984
GPA 3.5
Relevant Coursework
• Minor in Criminal Justice
CERTIFICATIONS
• Mortgage License
Contact this candidate