Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Deric Dinh

San Diego,CA

Summary

Dynamic and results-oriented professional with extensive experience in the financial sector, including a pivotal role at Comerica Bank. Excelled in building relationships, achieving a proven sales record, and navigating complex mortgage landscapes across multiple states. Expert in negotiation and maintaining a strong work ethic, consistently driving success and client satisfaction. Highly effective Home Mortgage Consultant with expertise in negotiation and financial data analysis. Offering many years of experience and well-developed industry knowledge. Known for pursuing leads with persistence and turning opportunities into long-term business.

Overview

12
12
years of professional experience

Work History

Mortgage Broker

Self-Employed
03.2021 - Current
  • I helped clients get the best loan by understanding their needs, analyzing financial, earnings, and credit data, and advising on the best loan scenarios and risk levels.
  • I helped first-time home buyers by reviewing the appraisal reports, home inspection, environmental assessments, termite inspections, and purchase contracts so they can feel confident.
  • Very knowledgeable about loan guidelines and analyzing business and personal tax returns to ensure clients qualify for the loan.
  • Conducted market research to stay abreast of current trends in the mortgage industry.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Ensured compliance with state and federal laws governing mortgage lending operations.
  • I have strong networking with Realtors, CPAs, Builders, and Financial Advisors.

Retail Personal Banker II

Comerica Bank
04.2020 - 03.2021
  • As a Senior Banker, I acquire, manage, retain meaningful relationships with our customers, using my financial knowledge to offer on duty when manager is on vacation
  • Also, I make sure our branch passed annual audit by having all documents comply with regulation and making sure all staffs are fully aware of branch procedures
  • Thoughtful solutions to help address their financial needs
  • I act as a loan officer to make sure all loans are compliance with the regulations
  • I coached tellers/Bankers how to improve theirs Medallion Survey and ask for business

Realtor/Loan Officer

Self Employed
09.2016 - 04.2020
  • As a Realtor, I Consult with clients on how to prepare their property for sale and market it in a way that makes it stand out in the local real estate community
  • I Organized home showings and open houses
  • Advised clients throughout the negotiation process to help them get maximum value for their home
  • Study local real estate community and be knowledgeable on current home sales
  • Negotiate on client's behalf when drafting real estate contracts
  • Advertise my services to the local community through marketing materials and networking
  • I specialized in FHA, VA, Conventional, and Non-QM
  • I was the main point of contact for mortgage borrower from start of origination to closing of the loan by collecting documents and analyzing and reviewing information ensuring the file was complete and ready to proceed with closing

Chase Private Banker/Manager on Duty

Chase Bank
10.2012 - 09.2016
  • As a Private Client Banker, I am responsible to contacts affluent clients, as well as other customers in the Branch
  • I managed their complete banking relationship across the company, utilizing a proactive and disciplined approach to generate growth in their balances
  • I helped acquired new clients by actively soliciting referrals and developing internal and external sources
  • I am clients' personal advocate at Chase, adding value to the relationship by sharing the value of Chase Private Client with clients that may be eligible
  • Actively managing their banking relationship through an advice-based approach and ensuring each client receives the best products, services for his or her needs
  • Partnering with Specialists (Private Client Advisors, Mortgage Bankers and Business Relationship Managers), to connect customers to experts who can help them with specialized financial needs
  • Lead a team and operate as a branch manager by observing and coaching my 10 staffs performance to collectively meeting their personal goals, establishing action plans as applicable
  • I provides supervison and support to all assigned areas of branch operation where service or assistance is needed; oversee activities of tellers, relationship bankers and other operations personnels; opens and closes the branch
  • I helped my staffs to provides superior customer’s services by having morning hurdle everday and started with positive stories from the previous day
  • Helping our branch to get a perfect audit through the branch operational review and recommends an initiates corrective actions; conducts unannounced all banch cash audit

Education

High School Diploma -

Mira Mesa High School
01.1997

Skills

  • Driven to Succeed
  • Strong Work Ethic
  • Self-Starter
  • Proven Sales Record
  • Consultative
  • Negotiation
  • Organization
  • Positive Attitude
  • Effective problem solving
  • Conducting financial assessments
  • Business development
  • Coaching and mentoring
  • Staff development

References

  • Bao Truong, 619-866-8468
  • Kien Le, 858-380-6191
  • David Vo, 858-525-1836

Timeline

Mortgage Broker

Self-Employed
03.2021 - Current

Retail Personal Banker II

Comerica Bank
04.2020 - 03.2021

Realtor/Loan Officer

Self Employed
09.2016 - 04.2020

Chase Private Banker/Manager on Duty

Chase Bank
10.2012 - 09.2016

High School Diploma -

Mira Mesa High School

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Deric Dinh