Ehren Yap
Chula Vista,CA
Summary
Experienced mortgage professional with 15+ years in management, underwriting, and loan processing. Expertise in risk assessment, financial analysis, and legal compliance. Skilled in communication, problem-solving, and exceeding targets. Known for high-quality customer service, meticulous attention to detail, and multitasking capabilities.
Overview
21
21
years of professional experience
Work History
Property Manager
Inked Realty Property Management
01.2021 - Current
- Handled tenant complaints promptly and appropriately, calling in repairmen, and other support services.
- Completed final move-out walk-throughs with tenants to identify required repairs.
- Followed up on delinquent tenants and coordinated collection procedures.
- Maintained original leases and renewal documents in digital and hardcopy format for property management office.
- Introduced prospective tenants to types of units available and performed tours of premises.
- Verified income, assets, and expenses, and completed file tracking sheet for each applicant.
- Maintained operational facilities attractive to potential tenants by organizing regular maintenance, major repairs, and capital improvement projects.
Senior Loan Processor
Wells Fargo Home Mortgage
06.2009 - 12.2022
- Seasoned senior loan mortgage processor with 15 years of extensive financial analysis and underwriting skills.
- Adept at handling high net worth clients and multi-million dollar portfolios, leveraging comprehensive financial expertise.
- Consistently surpassed funding goals, achieving a remarkable 6-10 million dollars in successful funding.
- Proficient in managing complex loan processes, ensuring seamless transactions for affluent clientele.
- Demonstrated expertise in navigating intricate financial regulations and compliance requirements.
- Proven track record of delivering exceptional customer service and maintaining strong client relationships.
- Detail-oriented professional with a strong ability to handle multiple tasks and prioritize effectively.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
Loan Officer Assistant
Point Mortgage
01.2017 - 01.2018
- Provided exceptional service to High Net Worth Loan Officers and Clients, ensuring satisfaction and successful outcomes.
- Consistently achieved funding goals exceeding $3 million, demonstrating strong performance and goal attainment.
- Managed an efficient pipeline of 20 files on average, ensuring smooth and timely processing.
- Facilitated loan closing and funding activities by guiding clients through the process, addressing inquiries, and preparing necessary documentation for processing.
Mortgage Underwriter
US Bank
01.2011 - 01.2012
- Assess and evaluate loan applications, ensuring adherence to underwriting guidelines and financial risk assessment.
- Review and verify financial documents to determine borrower creditworthiness and make informed decisions on loan approvals.
- Collaborate with team members to streamline the loan application process and maintain compliance with industry regulations.
- Provide guidance to junior underwriters, communicate with stakeholders, and conduct periodic reviews to improve underwriting practices and standards.
Finance Underwriter
NC
01.2004 - 01.2008
- Conducted comprehensive assessments of loan applications, leveraging deep understanding of underwriting processes.
- Established and executed effective underwriting policies, ensuring accurate and efficient application processing.
- Applied insurance principles and procedures to evaluate risk and make informed decisions.
- Collaborated with cross-functional teams to develop creative underwriting solutions, documenting decisions for regulatory compliance.
Administrator
SPAWAR
01.2003 - 01.2004
- Improved operational efficiency through insightful reporting and process enhancements.
- Fostered positive vendor relationships, ensuring timely and cost-effective service delivery.
- Prioritized customer satisfaction, delivering superior service and resolving issues efficiently.
- Managed communication flow and oversaw data collection, validation, and documentation for streamlined workflows and compliance.
Education
Professional Certification in Project Management
03.2024
High School Diploma -
Eastlake High School
Chula Vista, CA07.2003
Accomplishments
- Extensive 15+ years in managing underwriting, processing, risk assessment, and financial analysis, ensuring compliance.
- Expertise in legal statutes and lending guidelines, ensuring legal compliance in property management and transactions.
Timeline
Property Manager
Inked Realty Property Management
01.2021 - Current
Loan Officer Assistant
Point Mortgage
01.2017 - 01.2018
Mortgage Underwriter
US Bank
01.2011 - 01.2012
Senior Loan Processor
Wells Fargo Home Mortgage
06.2009 - 12.2022
Finance Underwriter
NC
01.2004 - 01.2008
Administrator
SPAWAR
01.2003 - 01.2004
Professional Certification in Project Management
High School Diploma -
Eastlake High School
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