HOA T VO
San Francisco
Summary
Results-driven Loan Operations Specialist with 13+ years of experience supporting high-volume commercial and consumer lending environments. Expertise in loan servicing, credit analysis, and regulatory compliance, with a strong track record of improving process efficiency, reducing errors, and maintaining data integrity. Proven ability to collaborate cross-functionally, mentor team members, and deliver accurate, timely loan execution in fast-paced financial institutions.
Overview
19
19
years of professional experience
Work History
Loan Analyst Specialist
JPMorgan
San Francisco
07.2024 - Current
- Execute end-to-end loan operations across boarding, servicing, transaction processing, and issue resolution in a high-volume environment
- Manage daily work queues to consistently meet SLA deadlines and maintain operational efficiency
- Train and mentor junior team members, improving accuracy and consistency across loan servicing processes
- Partner with Loan Operations leadership to identify workflow inefficiencies and implement process improvements
- Ensure accuracy and compliance of legal and collateral documentation, reducing processing errors
- Support quality control initiatives by validating data integrity and adherence to regulatory requirements
- Provide cross-functional support across teams, ensuring continuity during staffing gaps
Senior- Commercial Loan Servicing Specialist
First Republic Bank
San Francisco, CA
04.2018 - 05.2026
- Boarding and updating various accounts to the AFS loan accounting system including complex bookings from both the Business and Commercial Real Estate product lines. This includes the handling of payments and advances, reviewing and understanding all types of loan documentation, processing of outside council bookings, evaluation and maintenance transactions of various complexities, monitoring and updating collateral, producing monthly and quarterly reporting, and responding to questions from both internal/external clients. Assisted Bank Loan teams in performing client support, questions regarding products, functionality, etc., providing options and escalating issues when appropriate.
- Maintained weekly Portfolio Monitored Reports on risk assessments.
- Accurately and efficiently book loans and maintenance transactions for syndication participation
- Research and identified potential Red Flag on early loan payoffs for BSA
- Reviewed loan documents, determined serviceability, and interpret loan terms for verification
- Reviewed and validate loan document details and accurately create and update account as appropriate in AFS
- Worked with internal business partners to research and translate account information
- Developed a new template to expedite the booking loan and payoff process for processing and audits
- Disburse construction draws and reconcile funds control and budget information
- Create and monitor the monthly Interest Reserve Report and reconcile with Funds Control
Senior- Credit Analyst
Lending Club
San Francisco, CA
06.2015 - 04.2018
- Reviewed loan application packages in adherence to company guidelines to calculate ranking for qualifying; communicated decisions. Pulled, reviewed, and marked-up credit reports using TransUnion, Experian, and Equifax.
- Reviewed detailed historical and projected financial analyses leveraging tax returns to support underwriting decisions.
- Prepared detailed reports to present analysis of client creditworthiness to banking partners.
- Assessed files for minute data discrepancies to move applications through the decision process.
- Contributed to a low loss rate, less than 1%, by flagging suspicious activity and fraud indicators.
- Achieved fastest, 1-day turn time and 96%+ quality assurance scores.
- Collaborated with processors and sales representatives to ensure funding and contract signing.
Assistant Manager
US BANK
Sunnyvale, CA
05.2007 - 06.2015
- Oversee banking services, especially customer service, to ensure excellence; contacts or assists customers and prospective customers. Reviews and manages staffing procedures, ensuring that staff assignments and responsibilities are reasonable, and that salary structure is equitable.
- Oversee operations: supervise, train, motivate, coach entire staff, and sales partners
- Expand banking customer relationships by identifying needs and maximizing opportunities
- Create a strong services and quality operations culture
- Support portfolio growth by coaching Bankers to effectively identify referral opportunities and perform sales referral activities
Education
Bachelor of Science - Business Administration in Marketing
San Francisco State University
San Francisco, CASkills
- Loan Servicing & Boarding
- Credit Analysis & Risk Assessment
- Financial Statement Analysis
- Regulatory Compliance (BSA, internal controls)
- Quality Control & Data Integrity
- Process Improvement & Workflow Optimization
- Customer & Stakeholder Support
- Systems: Encompass, AFS, ACBS, FISERV, Salesforce, Tableau, SQL, Excel
Timeline
Loan Analyst Specialist
JPMorgan
07.2024 - Current
Senior- Commercial Loan Servicing Specialist
First Republic Bank
04.2018 - 05.2026
Senior- Credit Analyst
Lending Club
06.2015 - 04.2018
Assistant Manager
US BANK
05.2007 - 06.2015
Bachelor of Science - Business Administration in Marketing
San Francisco State University