David Quach
Irvine
Summary
To obtain a position using my skills and experience in an environment that offers personal and professional growth. I can communicate effectively, orally and in writing. Able to identify problems and develop creative solutions. Adapt quickly to different environments. Work productively as a team member or individually. Meet customer/client/employer needs quickly and effectively. Wanting to find a workplace I can call home and strive for excellence.
Overview
15
15
years of professional experience
Work History
Debt Consultant
Bright Loans Plus
Irvine, CA
10.2023 - Current
- Conducted extensive research to determine the best solutions for clients' debt issues.
- Created debt management plans, spending plans or budgets to assist clients in meeting financial goals.
- Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating balances.
- Developed debt reduction strategies for clients based on their personal financial situation.
- Researched new methods of debt resolution including settlement offers and alternative repayment plans.
- Originated over 2 million in debt load since start
- Funded over 1 million 1st month
- Extremely efficient and effective closer
- Ability to overcome objections and provide clarity for the customer
Branch Manager
West Capital Lending
Irvine
01.2022 - 10.2023
- Recommended loan approvals and denials based on customer loan application reviews.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Compiled database of loan applicants credit histories, and corporate financial statements.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Negotiated terms and conditions of loan agreements with borrowers.
- Submitted loan applications to the underwriter for verification and recommendations.
Mortgage Banker
The Federal Savings Bank
Irvine, CA
05.2020 - 01.2022
- Specific expertise in VA, FHA and conventional loans as well as extensive knowledge about all loan products.
- Consistent top producer month after month ·Responsible for solving problems, identifying and analyzing market trends, monitoring competitor activities and responding to client needs.
- Successfully have worked remotely and very self-disciplined.
- Responsible for solving problems, identifying and analyzing market trends, monitoring competitor activities and responding to client needs
- Subject matter expert dealing with purchase and refinance loan programs.
- Developed and maintained relationships with local real estate agents.
- Reviewed financial data, pay stubs, overall credit history for borrowers to as certain loan qualification.
- Communicated closely with various lenders to obtain most effective loans for customers purchasing homes.
- Built business base by word of mouth as result of maintaining positive relationships with former borrowers.
Executive Loan Officer
Loan Depot
Foothill Ranch, CA
03.2016 - 05.2020
- Top 10% producer in the entire company from 2016-2018
- 70% Closing ratio from origination to fund.
- Funded over 201 units and over $50 million dollars 2017.
- Chairman’s elite member 2018\
- Licensed in CA, NV, PA, FL, IL, MA, WA, TX.
- Won multiple quarterly awards platinum and executive.
- Adept negotiation and presentation skills with ability to maintain and quickly gain trust with all sorts of customers.
- Proven and bona fide multitasking skills combined with extraordinary organizational abilities.
Sr. Debt Settlement Consultant
Consumer Protection Legal Center
Lake Forest, CA
07.2014 - 04.2016
- Created debt management plans, spending plans or budgets to assist clients in meeting financial goals.
- Displayed strong telephone etiquette, effectively handling difficult calls.
- Achieved cost-savings by developing functional solutions to problems.
- Top producer of the company month after month
- Trained new hires on the process of closing a deal from start to finish
- Extremely empathic to clients financial situation and offer program benefits and savings
Loan Officer
Open Gate Lending
Irvine, CA
02.2013 - 12.2013
- Solid experience in the mortgage banking and the lending scenario with a considerable knowledge of residential mortgage lending.
- Specialization in interest-only mortgage lending, Veterans Administration (VA), FHA, Harp, and conventional loans.
- Magnanimous oral and communication skills.
- Complete knowledge of pricing and the underwriting procedures in the mortgage industry.
- Adequate knowledge with all the pertinent federal laws (Truth-in Lending, RESPA...) regulating the lending
Sr. Debt Specialist
Cambridge Life Solutions
Santa Ana, CA
01.2011 - 01.2013
- Proven closer with excellent customer service and organization skills.
- Discussed with clients about credit counseling and debt settlement.
- Counseled about debt repayment plan and budgeting.
- Counseled debtors about methods to prevent debt accumulation.
- Applied variety of methods to reduce client's consolidated loans, interest rates and monthly payments.
- Excellent experience in creating debt management plans.
- Profound ability to interpret credit bureau reports.
- Strong experience in consumer protection, financial services and complaints resolution
- Top producer for 6 months straight, generating over 2/3 of the company’s gross revenue
- Promoted to assistant sales manager within 6 months.
- Lead, trained and managed an award winning sales team.
- Traveled to Ontario Canada to build a sales force and lived there for 6 months
Debt Settlement Consultant
Freedom Debt Relief
Santa Ana, CA
03.2009 - 12.2010
- Top agent within 3 months of start
- Consulted potential clients on unsecured debt hardship.
- Performed financial debt analysis and portfolio for submission to underwriters.
- Discussed hardship program and available options. Completed and submitted enrollment forms.
- Consulted with consumers who expressed interest in debt resolution regarding complex and financial debt settlement.
- Discussed with consumers about different debt resolution options.
- Developed viable and specific debt resolution plan for the consumer.
- Guided consumers towards making learned decision to join the Debt program.
- Gained clients trust through empathy and experience
Education
Bachelor of Arts - Business Marketing
Cal State Fullerton
Fullerton, CA06-2007
Skills
- Self Motivated
- Dedicated team player
- Persuasive negotiator
- Adept multitasker
- Detailed oriented
- Deep knowledge of mortgage and debt settlement
- Active Listening
- Closer
Languages
Vietnamese
Professional
English
Full Professional
Timeline
Debt Consultant
Bright Loans Plus
10.2023 - Current
Branch Manager
West Capital Lending
01.2022 - 10.2023
Mortgage Banker
The Federal Savings Bank
05.2020 - 01.2022
Executive Loan Officer
Loan Depot
03.2016 - 05.2020
Sr. Debt Settlement Consultant
Consumer Protection Legal Center
07.2014 - 04.2016
Loan Officer
Open Gate Lending
02.2013 - 12.2013
Sr. Debt Specialist
Cambridge Life Solutions
01.2011 - 01.2013
Debt Settlement Consultant
Freedom Debt Relief
03.2009 - 12.2010
Bachelor of Arts - Business Marketing
Cal State Fullerton