Daniel Wang
South Plainfield,NJ
Summary
Experienced with assessing client eligibility for mortgage loans and providing tailored financing solutions. Utilizes in-depth knowledge of regulatory requirements to ensure compliance throughout loan process. Track record of building strong client relationships and delivering exceptional service.
Overview
9
9
years of professional experience
Work History
Residential Mortgage Loan Originator
InSync Home Loans, LLC
12.2019 - Current
- Resolved discrepancies between borrowers, lenders, and financial institutions with detail orientation and efficiency.
- Self processing loans from starting the loan application to the closing and perform other duties when assigned.
- Educated clients on different types of mortgage products available including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, Non- QM products, etc.
- Built a strong referral network by providing exceptional customer service and consistently exceeding client expectations.
- Maintained up-to-date knowledge of regulatory changes and advised clients on proactive compliance strategies.
- Provided exceptional customer service throughout the loan process from initial consultation to closing day.
- Structured loans creatively to address unique borrower situations and maximize approval chances without compromising compliance standards.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
Senior Mortgage Loan Processor
Dennis Schwartz & Associates
04.2022 - 11.2024
- Reviewing all residential/ commercial documentation in the file for accuracy and requesting updated documentation as needed
- Reviewed and assessed policies, procedures, and loan documentation to ensure compliance with lending laws
- Working closely with the title company to complete the balancing processing to prove the borrower(s) with their final figures
- While balancing with the title companies, confirming all fees being charged are accounting for via corresponding invoice in the file and reviewing compliance reports to ensure we are not overstating/ understating any fees
Mortgage Loan Closer/Funder
Black, Mann & Graham LLP
04.2019 - 03.2022
- Reviewing and analyzing residential real estate documents (TRID loan docs, title commitment, sales contract, promissory note, Deed of Trust, etc.)
- Preparation of legal loan packages for different type of conventional/ FHA/ VA/ construction loans
- Coordinating and reviewing all the newly submitted loans from clients
- Performing quality control (QC) for the legal closing packages including closing disclosure (CD)
- Working both independently and cooperatively in a team environment
Mortgage Loan Officer
LeaderOne Financial Corporation
04.2018 - 08.2019
- Analyzed financial information, credit reports, and loan applications to determine borrower eligibility
- Collaborated with underwriters, processors, and other stakeholders to gather necessary documentation and resolve any issues that arose during the loan process
- Maintained up-to-date knowledge of industry regulations, guidelines, and lending programs
- Built a strong referral network by establishing connections with real estate agents, builders, attorneys, and other professionals in the housing industry
- Provided exceptional customer service by promptly responding to inquiries, addressing concerns or complaints professionally
Mortgage Loan Closer/Funder
Gregg and Valby, LLP
10.2015 - 06.2018
- Extensive experience in reviewing and preparing mortgage loan closing documents, ensuring compliance with regulatory guidelines.
- Deep knowledge of TRID (TILA-RESPA Integrated Disclosure) rules, ensuring accurate Loan Estimates (LEs) and Closing Disclosures (CDs).
- Expertise in loan funding, disbursements, and wire transfers, ensuring accurate and timely closings.
Proficiency in clearing pre-closing conditions and coordinating with underwriters, title companies, and attorneys. - Experience with Conventional, FHA, VA, USDA, and Jumbo loans, ensuring proper documentation and execution.
Education
Bachelor of Science - Hotel And Restaurant Management
University of Houston
Houston, TX05-2015
Skills
- Analytical thinking
- Collaboration and teamwork
- Detail-oriented
- Data research and validation
- Financial management
- Lending regulatory compliance
- Loan origination
- Loan structuring
- Loan processing proficiency
- Multiple priorities management
- Risk analysis
- Strong communication skills
- Sales development
- Underwriting guidelines
Languages
Chinese (Mandarin)
Native or Bilingual
Timeline
Senior Mortgage Loan Processor
Dennis Schwartz & Associates
04.2022 - 11.2024
Residential Mortgage Loan Originator
InSync Home Loans, LLC
12.2019 - Current
Mortgage Loan Closer/Funder
Black, Mann & Graham LLP
04.2019 - 03.2022
Mortgage Loan Officer
LeaderOne Financial Corporation
04.2018 - 08.2019
Mortgage Loan Closer/Funder
Gregg and Valby, LLP
10.2015 - 06.2018
Bachelor of Science - Hotel And Restaurant Management
University of Houston
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