Real Estate/Mortgage/Insurance Broker
Huntington Beach, CA
Authorized to work in the US for any employer
November 2013 to July 2015
In charge of marketing, generating leads & expanding local presence.
➢ In charge of hiring & training new team members.
➢ Full knowledge of personal lines: auto, home, Personal Articles policies, PLUP, earthquake. Certain knowledge in commercial lines: BOP, WC, Professional Liability, Commercial Auto.
➢ Excellent knowledge of life insurance & its varied products: Term, Whole, UL, Indexed UL.
January 2010 to November 2013
Excellent communication, organizational, time-management and math skills.
➢ Good understanding of current underwriting guidelines of many types of loans including conforming, jumbo, FHA and HARP.
➢ Full knowledge of GFE, TIL, APR & disclosure compliance regulations.
➢ Well capable of building immediate rapport & trust with clients over the phone or in person and able to explain to them any questions they have about the loan process, GFE, fee worksheet, TIL and HUD1 and conditions requested by lenders.
➢ Understanding the entire loan process from ordering credit report, appraisal, title, escrow, running DU/LP, preparing initial loan packages, getting correct supporting documents, communicating between lenders and borrowers to get all conditions cleared in a timely manner to make sure the loan is closed smoothly.
2003 to January 2009
Initiated residential loans for CA consumers.
➢ Excellent communicational, organizational, time-management and math skills.
➢ Ability to prioritize and multi-task without supervision. Ability to conduct business effectively over the telephone, internet and in person.
➢ Good understanding of all the aspects of residential mortgage: loan types, underwriting guidelines, rate-sheets, pre-qualifying, DU/LP findings analysis, credit report analysis, amortization calculating, and loan processing.
➢ Knowing Calyx Point system in and out. Familiar with submitting loans through Fannie Mae DO/DU & LP systems and working with their systems to get the approval/eligible/accept status.
➢ Up-to-date knowledge of new regulations in real estate & mortgage areas: ex. recent changes in RESPA, GFE, & appraisal ordering.
November 2000 to July 2003
Irvine, CA – 11/2000 to 7/2003
➢ Managed all phases of software development cycle including project planning, application design and architecture, coding, documentation & implementation. Specific work included: Designed and developed high-level modules that can be plugged into all existing insurance programs (currently used by Superior Access Insurance for its own agencies) to make them generic & extensible enough that they can be instantly delivered to new clients, when needed, with just a few data entries added into the database (no necessary change in coding); thus tremendously saved company’s production time.
➢ B.S. degree in Business Administration and Computer Information System.
➢ 2 1/2 years of experience in insurance business: auto, home, business, life & health.
➢ 12 years of experience in originating & processing residential loans in CA.
➢ 10 years of experience in software development.
➢ Power computer user: Mastering all data-processing software including MS Words, Excel, Power Point, Outlook
➢ Excellent communication skills in writing and strong analytical skills.
➢ Effective in work situations requiring ability to manage and lead multiple projects at the same time. Working well under pressure.
➢ Super-fast learner, with the ability to rapidly acquire and employ new ideas, concepts, methods and technologies in any fields.
➢ Energetic, enthusiastic, goal-oriented, detail-oriented and extremely self-motivated individual.