Ying Yan
San Marino,CA
Summary
Dynamic mortgage industry professional with extensive experience in loan processing, encompassing conventional, Non-QM mortgage, and corporate loans (C&I). Proven track record of maintaining organizational credibility while delivering high-quality assistance to loan applicants. Possesses strong leadership, organizational, and customer relations skills, with a self-motivated approach to problem-solving. Adept at both independent project management and collaborative team efforts. Seeking a growth-oriented position where I can leverage my expertise to drive business and customer success.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Loan Officer (C&I)
The Bank of East Asia, Limited Bank Ordinance
07.2022 - Current
- Proposed new credit proposal for publicly traded companies, analyzing financial statements, stock performance, and market outlook to assess creditworthiness and repayment ability.
- Conducted thorough risk assessments, focusing on factors such as industry position, market prospects, competitors, and corporate governance structure to mitigate potential risks.
- Ensured compliance with regulatory guidelines and internal policies, staying abreast of industry regulations and compliance requirements to mitigate legal risks associated with lending activities.
- Monitored repayment performance and financial health of clients post-loan disbursal, conducting periodic reviews of loan accounts and taking appropriate actions.
- Conducted market research and analysis to identify lending opportunities, staying informed about market trends, industry developments, and competitor activities.
- Engaged in continuous learning and professional development, attending training sessions, seminars, and obtaining relevant certifications to stay updated on best practices and regulatory changes.
Mortgage Loan Processor
Ecom Mortgage Inc.
09.2019 - 09.2022
- Regarded as one of the company's most productive loan processors, handling an average of 30 files monthly
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Processed challenging loan application (e.g., first-time borrowers, self-employed applicants, different Non-QM loans) and able to deal with different investors
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
Administrative Coordinator
Advancz Management Group
03.2019 - 09.2019
- Answered phone calls and responded to inquiries from customers, vendors and other external contacts.
- Facilitated smooth day-to-day operations by anticipating needs, proactively addressing potential issues, and efficiently resolving problems as they arose.
- Assisted management with special projects to complete all tasks by deadlines.
- Prepared detailed documents and reports in adherence administrative processes.
Program Coordinator
Easyfind Company
09.2018 - 03.2019
- Facilitated regular meetings with team members to discuss progress updates, address challenges, and brainstorm solutions for ongoing success.
- Established strategic partnerships with external organizations, expanding program reach and impact.
- Developed and maintained relationships with external partners to facilitate program operations.
- Kept program-related data accurate, up-to-date and easily accessible for accessibility.
- Planned and executed meetings to connect organizational representatives.
Senior Assistant Manager
AC Group International Inc.
02.2014 - 02.2018
- Oversaw daily operations, ensuring compliance with company policies and industry regulations while optimizing resources for maximum output.
- Responsible for the Asian key market and major customer development, focusing on the Chinese market and successfully developing a number of large corporate customers.
- Responsible for part of the logistics work.
Education
Master of Science - Healthcare Decision Analysis
University of Southern California
Los Angeles, CA08-2019
Bachelor of Science - Accounting, Business
University of California, Riverside
Riverside, CA06-2016
Skills
- Relationship building and management
- Analytical and Critical Thinking
- Documentation Review
- Regulatory Compliance
- Portfolio Management
- Credit analysis
- Loan Servicing
- Consumer Lending
- Loan Origination
- Mortgage lending
- Banking
- Commercial Lending
Certification
- NMLS License
- Notary License
- OW License
Languages
English
Professional
Chinese (Mandarin)
Professional
Chinese (Cantonese)
Limited
Timeline
Loan Officer (C&I)
The Bank of East Asia, Limited Bank Ordinance
07.2022 - Current
Mortgage Loan Processor
Ecom Mortgage Inc.
09.2019 - 09.2022
Administrative Coordinator
Advancz Management Group
03.2019 - 09.2019
Program Coordinator
Easyfind Company
09.2018 - 03.2019
Senior Assistant Manager
AC Group International Inc.
02.2014 - 02.2018
Master of Science - Healthcare Decision Analysis
University of Southern California
Bachelor of Science - Accounting, Business
University of California, Riverside
- NMLS License
- Notary License
- OW License
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