Business Development Portfolio Management

Lo *

Charles Lo

**** ******* *** ********, ** **770

*********@*****.*** 626-***-****

Professional Summary

Experienced banking and lending professional with over 15 years in SBA, commercial, and residential loan underwriting, origination, and portfolio management. Strong knowledge of federal banking regulations, compliance, and SBA lending programs. Proven track record of structuring and funding SBA loans, managing underwriting teams, and developing business relationships that drive portfolio growth. Fluent in English, Mandarin, and Cantonese, enabling effective communication with diverse clients.

Core Skills

SBA 7(a) & 504 Lending • Commercial & Residential Loan Origination

Loan Structuring & Underwriting • Credit & Risk Analysis

FDIC Compliance & Audit Preparation • Business Development

Team Leadership & Training • Regulatory Knowledge

Customer Relationship Management

Professional Experience

Business Consulting / Business Loan Broker

Self-Employed 08/2022 – Present

Originated and funded multiple SBA 7(a) franchise loans, including several 7- Eleven acquisitions.

Structured and closed commercial refinances include a 7-unit apartment building with First Commercial Bank (FCB).

Identified portfolio risks by analyzing clients’ business practices and detecting potential fraud or compliance issues.

Ensured borrower communications and documentation complied with regulatory guidelines and validated the application data across systems.

Referred new customers and facilitated account openings with FCB. Lo 2

Key Funded Transactions:

SBA Franchise Loan: 7-Eleven Store Purchase (Funded)

Commercial Refinance: 7-Unit Apartment Complex (Funded)

Multiple Residential Mortgages (Funded – details available upon request) AAA Capital Investment Inc. – Alhambra, CA

Underwriting Manager 03/2020 – 08/2022

Reviewed borrower credit history and financial background to support sound underwriting decisions.

Performed manual, desk-top underwriting, and LP underwriting per investor and regulatory guidelines.

Identified portfolio risks and mitigated exposure through compliance-focused practices.

Built and trained underwriting teams to consistently meet production goals. Sterling Bank & Trust – Arcadia, CA

Mortgage Underwriter 03/2018 – 03/2020

Reviewed and underwrote mortgage loan applications for home buyers, ensuring compliance with lending policies.

Delivered superior customer service and resolved borrower disputes professionally.

Maintained current knowledge of federal and bank-specific underwriting guidelines.

First General Bank – Rowland Heights, CA

FVP, Mortgage Department Manager 02/2014 – 02/2018

Managed mortgage department operations, including underwriting and loan origination.

Supervised audits and coordinated directly with FDIC examiners to maintain compliance.

Lo 3

Structured and underwrote residential, non-QM, and commercial loans based on guidelines.

Closed a $1.5M refinance of a commercial plaza in Arcadia, CA.

Collaborated with CEO closely on operational strategy, administrative oversight, and recruitment/training of staff to strengthen lending operations. Education

University of Phoenix – Orange County, CA

Bachelor of Science in Business Administration (BSBA), Business Management 2015 Mark Keppel High School – Monterey Park, CA

High School Diploma 1984

Licenses & Certifications

Federal Mortgage Loan Originator (MLO) #257371

Selected Achievements

Originated and funded multiple SBA 7-Eleven franchise acquisitions for a single client, demonstrating ability to manage repeat and complex transactions with confidence in ability to expand further.

Successfully refinanced multiple commercial and residential properties.

Expanded business banking portfolio by opening new checking and certificate accounts for clients.

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