LUCY KANG

** *******, *** ***** 951-***-**** adszez@r.postjobfree.com

CAREER OBJECTIVE

Accomplished and highly skilled in Mortgage Loan Officer Professional with 18+ years of industry experience. Originate real estate mortgage loans; pre-qualify borrowers based on credit guidelines and income. Advising borrowers on financial status and payment methods; approving or rejecting loans after considering the eligibility criteria; meeting applicants and obtaining all needed information, analyzing applicant’s financial status, and credit history; reviewing and updating credit and loan files; computing payment schedules; and negotiating payment arrangements. A quick learner who can absorb new ideas and can communicate clearly and effectively with work colleagues and clients. Commitment and enthusiasm and apply creativity and skills independently and in a team, taking the initiative and responsibility thereby being an asset to the organization. To secure a professional position within a stable and highly respected organization where I can utilize my education and experience to strengthen the department while having the opportunity for individual growth and creativity

CORE COMPETENCIES

Proven ability to identify installation/organizational needs and provide advisory services in all areas of personnel management.

Demonstrated expertise and experience in real estate, sales, and client services and employed strategic sales initiative, which increased a start-up company’s territory client base from 3 to 600 in just 4 months.

Increased sales by $30,000 (from $75,000 to over $105,000) within 3 years by employing modern selling and marketing techniques derived from in-house telemarketing programs.

Conducted extensive and rigorous leads generating activities, developed and implemented aggressive sales campaigns which boosted revenue, encouraged repeat business, and expanded customer base

Developed a keen understanding of optimal work environments, which in turn maximized employee performance and improved customer satisfaction.

Ability to analyze complex loan structuring to maximize Loan Officer Productivity and loan closing volume.

PROFESSIONAL SKILLS

Credit Analysis

Budgeting and Forecasting

Project Planning & Development

Time & Task Management

Corporate Communications

Salesforce

Contract Negotiation

Decision-Maker

Trustworthy

Customer Relations Financial Analysis

Strong Analytical

Hard-Working

Learns Quickly

Attention to Detail

Activity Planning

Leads Generation

Teamwork skills

CRM System Knowledge

Client confidentiality

Professional Attitude

Sales Margin Improvement

Complain Handling & Resolution

Business Development

PROFESSIONAL WORK EXPERIENCE

Mortgage Loan Officer Dec 2021 - Present

American Heritage Lending, Inc. - Irvine, CA

Reviews loan applications, gathers credit histories and reports, and assesses applicant’s capacity to repay and default risk.

Prospect, develop, and maintain relationships with potential new business referral partners such as realtors, builders, bank colleagues, and the community at large

Assists clients with completion of mortgage applications, inspecting completed documents for accuracy and thoroughness.

Explains the differences between and approval requirements of various types of mortgages; prepares and presents a lending package based on client specifications.

Maintains knowledge of trends and developments in the local real estate market; current and predicted lending rates; and changes in rules, regulations, and best practices of various mortgages.

Wedding Photographer/Owner LuciaPhotography.com 2000 – Present

Develop customer relations by providing thorough assistance, customer service satisfaction, enhanced communication, interpersonal, networking skills, and addressing client needs.

Creates and develops visual storytelling across multiple platforms, using photography and/or videography to inform, engage and entertain fan bases.

Plan and arrange still-life objects, scenes, props, and backgrounds, for on-location photography.

Archiving photos, filling reprint photo requests, and organizing and reviewing work for personal career development.

Performs other duties as assigned.

Loan Officer Assistant Breeze Funding Dec 2021

Prepared and submitted a loan application to process, resolve file issues, conversations with customers, vendors, and referral partners.

Answered customer inquiries relating to locked status, and loan application status to ensure quality customer service.

Estimated fees, preliminary title report, closing protection letter, earnest money deposit, and wire instructions.

Analyzed applicants' financial status, credit, and property evaluations to determine the feasibility of granting loans.

Account Executive for Direct Sales of Business Loans Anuva Capital Buena Park, CA 2018 – 2020

Obtained new and upsell to local small businesses, offering from a portfolio of solutions in wireless, landline, and internet services.

Selected the correct products or assist customers in making product selections, based on customers' needs, product specifications, and applicable regulations.

Emphasized product features based on analyses of customers' needs and technical knowledge of product capabilities and limitations.

Informed customers of estimated delivery schedules, service contracts, warranties, or other information about purchased products.

Established and maintained good public relations and networking within the community to develop business.

Telemarketer/Sales Appointment Setter THE NEXT MOVE GROUP RSM, CA June 2012 – Oct 2018

Obtained customer information such as name, address, and payment method, and entered orders into computers.

Contacted people at home or place of business by telephone, following specified sampling procedures.

Delivered prepared sales talks, read from scripts to persuade potential customers to purchase a product.

Answered inquiries by clarifying desired information, researching, locating, and providing information.

Account Executive/ Supervisor Loan Processor/ Modification Processor 2007 – 2011

Updated empower with accurate information and submit the completed loan package to the underwriter to ensure the appraisal inspection had been completed before the documents could be signed in dry states.

Charged with reviewing loan files, processing paid loans, draws and payments, daily reports, and new loan reviews for accuracy.

Ensured that all customer files are complete and in compliance with regulatory agencies and internal policies.

Prepared loan files for loan documents and coordinated with escrow officer for borrowers' signing/funding.

Loan Officer Security Pacific Financial 2007 – 2011

Assembled and compile documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.

Ensured borrower/client retention by providing strategic investment recommendations based on evaluation of credit report.

Maintain awareness of federal and state law regarding mortgages; file documentation with the state to adhere to regulations.

Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.

Land Buyer NRPI 2004 – 2006

Followed up with prospective buyers regarding incentives from the builder and new developments in the surrounding area.

Negotiated terms/prices/legal requirements and related matters to their benefit, also ensuring fair and honest dealings.

Followed up with prospective buyers regarding incentives from the builder and new developments in the surrounding area.

Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.

EDUCATION

Riverside Community College

REFERENCES

Available upon request

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