Fangtzu (Clare) Lin
Warren Township,NJ
Summary
Knowledgeable senior mortgage loan adviser offering more than 17 years working in busy, customer-focused settings. Proven strategic planning demonstrated by exceptional branding success for new product launch and innovative marketing campaigns. Implements strategic and tactical marketing campaigns to drive engagement and sales. Bringing solid history of success in boosting program operations efficiency, conversion rates and performance. Well-versed in both online and traditional marketing approaches. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
17
17
years of professional experience
Work History
Senior Marketing Executive
Your Best Home Rate LLC
Warren Township, NJ
09.2022 - Current
- Developed marketing plans based upon extensive research and prospects targeted.
- Analyzed marketing campaigns using key metrics and performance indicators.
- Coordinated staffing for various marketing events and industry conferences.
- Managed branding campaigns and event marketing initiatives in print, video, web and social media.
- Leveraged YouTube and other viral marketing tools and channels to generate buzz.
- Identified low-cost opportunities to increase visibility and drive traffic.
- Increased consumer retention by reactivating dormant consumers through retention campaigns.
Branch Manager
Homeside Financial
Bedminster, NJ
02.2022 - 09.2022
- Assisted in setting up new branch office and obtained necessary business and individual license for business operation
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Examined customer loan applications for loan approvals and denials.
- Complied with regulatory guidelines and requirements.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Maintained friendly and professional customer interactions.
Senior Mortgage Loan Officer
PNC Bank
Westfield, NJ
03.2021 - 02.2022
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs.
- Fielded customer complaints and provided solutions.
- Planned and dealt with payment schedules.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Explained different types of loans pertaining to client situations.
- Proactively identified solutions for customers experiencing credit issues.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Explained very technical financial information to applicants in easy to understand language.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Checked loan documents for accuracy prior to closing.
Senior Home Lending Adviser
JPMorgan Chase
Watchung, NJ
05.2016 - 03.2021
- Proudly listed top production and customer satisfaction and on Chase NJ monthly recognition several times
- Working diligently with branch partners on deepening customers' relationship
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Explained very technical financial information to applicants in easy to understand language.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Proactively identified solutions for customers experiencing credit issues.
- Worked flexible hours across night, weekend and holiday shifts.
- Cultivated interpersonal skills by building positive relationships with others.
- Organized and detail-oriented with a strong work ethic.
- Excellent communication skills, both verbal and written.
- Strengthened communication skills through regular interactions with others.
- Provided professional services and support in a dynamic work environment.
Senior Mortgage Loan Officer
PNC Bank
Edison, NJ
07.2013 - 05.2016
- Worked with underwriters to fix application problems and resolve issues.
- Developed and maintained relationships with local real estate agents.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Implemented sales strategies that established relationships with realtors and CPAs.
- Proactively identified solutions for customers experiencing credit issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Senior Loan Officer
Santander bank, Edison
Piscataway, NJ
06.2011 - 07.2013
- No.1 producer in the NJ team: Covering Edison and Piscataway branches and helping branch bankers to develop more business through their home lending needs.
- Maintained strict confidentiality of bank records and client information.
- Developed and implemented marketing campaigns to attract new customers.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Advised clients on mortgage and home equity loan
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
Senior loan officer/ loan processor
Summit Mortgage Bankers
Edison, NJ
07.2006 - 06.2011
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Coordinated closing process with attorneys, title companies and government clerks.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering FHA/VA loans.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Developed and maintained relationships with local real estate agents.
- Recommended loan approvals and denials based on customer loan application reviews.
- Maintained strict confidentiality of bank records and client information.
- Utilized risk management strategies to attain high loan approval rates.
- Researched and updated industry knowledge on changing legislation and regulations.
Education
MBA - Banking And Financial Support Services
New England College
Henniker, NH06.2012
Bachelor of Arts - English Language And Literature
Soochow University
Taipei Taiwan 06.1995
Skills
- Problem Solving
- Credit History Review
- Loan File Review
- Loan File Maintenance
- Customer Relations
- Income Evaluation
- Application Review
- Loan Processing Coordination
- Referral Network Development
- Creditworthiness Determination
- Attention to Detail
- Complaint Handling
- Client Interview
- Networking and Partnership Development
- Active Listening and Learning
- Client Meetings
- Executive Leadership
- Vendor Management
- Sales Promotion
- Customer Preferences
- Staff Management
- Oral and Written Comprehension
- Decision Making
- Analytical and Critical Thinking
- Verbal and Written Communication
- Multitasking and Prioritization
- Complex Problem Solving
- Time Management
- Team Member Development
- Department Development
- Marketing Material Design
- Campaign Management
- Market Planning and Execution
- Contract Negotiation
- Customer Demographics
- Social Media Proficiency
- Analytical Thinking
- Lead Generation Campaigns
- Partnership Management
- Customer Care
- Performance Metrics Analysis
- Creative Thinking
- Sales Meetings and Conferences
- Personnel Management
- Social media
Languages
Chinese (Mandarin)
Native or Bilingual
Taiwanese
Native or Bilingual
English
Full Professional
Timeline
Senior Marketing Executive
Your Best Home Rate LLC
09.2022 - Current
Branch Manager
Homeside Financial
02.2022 - 09.2022
Senior Mortgage Loan Officer
PNC Bank
03.2021 - 02.2022
Senior Home Lending Adviser
JPMorgan Chase
05.2016 - 03.2021
Senior Mortgage Loan Officer
PNC Bank
07.2013 - 05.2016
Senior Loan Officer
Santander bank, Edison
06.2011 - 07.2013
Senior loan officer/ loan processor
Summit Mortgage Bankers
07.2006 - 06.2011
MBA - Banking And Financial Support Services
New England College
Bachelor of Arts - English Language And Literature
Soochow University
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