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Summary

I was born in China, and raised in the U.S. My passion is in Real Estate and Business. I would consider myself as a Honest, Enthusiastic, and Detail Oriented person.

  • Two years in Mortgage process/Banking/Real Estate
  • Five plus years of Customer Servicing
  • Fluent in English, Mandarin, Cantonese, Toishanese
  • Mortgage Underwriting Certified & TRID Certified
  • CalBRE & NMLS 
  • Life Insurance Licensed, Studied Series 7 License
  • Sales Experience
  • Love fast-paced working environment
  • Co-Founder of Meow Tea (Cafe) located in San Jose, CA

Work History

Jan 2016June 2016

Residential Mortgage Loan Officer

San Francisco, CA

Responsibilities:

- Handles a pipeline of 20 loan files, refi/purchase  
 
- Interview loan applicants, assess their needs and provide clear and concise information related to credit union loan products and services to determine loan purpose 
 
- Process loan applications including operating system data entry, ordering required reports, (appraisal, title, credit, etc.) collecting financial information, and verifications  
 
- Review, analyze, and evaluate applications for completeness of documents and compliance with credit union internal policies, procedures, as well as regulatory State and Federal compliance and secondary market lending parameters. 
 
- Complete loan applications including initial underwriting within investor and credit union guidelines for submission with recommendations to Underwriting for approval within established standards for turnaround, quality and production. 
 
- Prepare notification for all applications in accordance with Regulation B. 
 
- Responsible for notification of applicant of all requests which do not conform to current lending guidelines  
 
- Maintains overall responsibility for the loan file and documentation through processing up to underwriting approval

 

 

 

Jul 2013Aug 2015

Residential Mortgage Processor/Assistant

Sterling Bank & Trust

San Francisco, CA

Responsibilities:

Process loans include Stated Income Loans, Full Document Loans, TIC loans, HELOCs, Non Owner-occupied Loans, and more.

Assist loan officers out in the field appointments and/or in office

Assigned to assist 10+ loan officers in the bank, and work with underwriters in headquarter.

Interact and resolve concerns for loan applicants, realtors, title officers, and/or lawyers when legal issues involve.

Review new loan applications, loan conditions includes tax returns, W2, bank statements, pre-approvals, Truth in Lending documents, and final disclosures.

Strategize files with Loan Officers.

Handles 25+ files at the same time in a fast-paced working environment. 

Mar 2013Jun 2013

Sales Representative

Duty Free Galleria-SFO

Sales Representative at Gucci/Burberry

Responsibilities:

Opening & closing for the day

Communicated with customers regarding comments, and complaints to ensure satisfaction with the products and services.

Jan 2012Oct 2012

Marketing Associate

World Financial

Marketing Associate  San Francisco, CA

Responsibilities:

Developed and maintained long-term relationships with clients.

Assisted customers with company and product complaints.

Attended local marketing, product, and leadership trainings.

Mar 2012Jul 2012

Waitress

Zen Bistro

Waitress-San Mateo, CA

Responsibilities

Helped with preparation, set-up, and clean up.

Trained new employees.

Communicated with customers regarding orders, comments, and complaints to ensure satisfaction with food and service.

Presented menus to patrons and answered questions about menu items, making recommendations upon request and hot sell daily specials.

Nov 2010Feb 2012

Cashier & Waitress

Tomokazu Japanese Cuisine

Cashier & Waitress-Burlingame, CA

Responsibilities:

Helped with preparation, set-up, and clean up.

Trained new employees.

Communicated with customers regarding orders, comments, and complaints to ensure satisfaction with food and service.

Presented menus to patrons and answered questions about menu items

Making recommendations upon request and hot sell daily specials.

Cashier: Issue receipts, refunds, credits, or change due to customers. Offer customers carryout service at the completion of transactions. Calculate total business and cash flows for the day.

Oct 2007Nov 2010

Cashier

Quickly's

San Francisco, CA

Responsibilities:

Trained new employees.

Bookkeeping for all supplies and foods in stock.

Greeted customers in the restaurant, took and rang up orders, handled payment and thanked customers

Prepared and served cold drinks, or frozen milk drinks or desserts, using drink Dispensing, milkshake, or frozen custard machines. 

Education

2012Present

Undergraduate

CITY COLLEGE OF SF

San Francisco

20072012

HS Diploma

ABRAHAM LINCOLN HIGH SCHOOL

San Francisco

Skills

Customer Service

Consistently received positive feedback from guests and created repeat business by developing long-term relationships with customers.

Conflict Resolution

Responsible for handling customer account inquiries, accurately providing information to ensure resolution of product/service complaints and customer satisfaction.

Handled guest complaints, maintaining a positive experience for all rest.