Jae Lee
Dallas,TX
Summary
Talented Professional with 5 years and expertise in SBA 7(a) underwriting. Underwriting SBA 7(a) loans up to 5MM for different fields of industry including hotels, gas stations, restaurants, day cares and others in a competitive and expedient manner while complying with the bank’s SBA underwriting standards, policies, and applicable state federal laws rules and regulations.
Overview
12
12
years of professional experience
Work History
AVP / Loan Officer
Woori America Bank
07.2024 - Current
- Underwriting Conventional Loans for commercial mortgage and C&I.
- Review SBA eligibilities for potential Borrowers.
- Interviewed applicants and reviewed financial, credit and property details for each application.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Executed loan origination process, including ordering credit reports, appraisals and flood certificate.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Analyzed LTV, DSCR, GDSCR and credit scores to make underwriting decisions.
- Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
- Submits loan request to Credit Administration to secure approval for transaction.
- Perform background searches on individuals and business entities
Credit Officer (SBA)
VelositySBA
03.2022 - 06.2024
- Underwriting SBA 7(a) loans for change of ownership, start-up and partnership buyout.
- Interviewed applicants and reviewed financial, credit and property details for each application.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Executed loan origination process, including ordering credit reports, appraisals and flood certificate.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Analyzed LTV, DSCR, GDSCR and credit scores to make underwriting decisions.
- Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
- Submits loan request to Credit Administration to secure approval for transaction.
- Perform background searches on individuals and business entities
SBA/Commercial Underwriter
CBB Bank
08.2019 - 02.2022
- Underwriting SBA 7(a) loans for change of ownership, start-up and partnership buyout.
- Interviewed applicants and reviewed financial, credit and property details for each application.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Executed loan origination process, including ordering credit reports, appraisals and flood certificate.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Analyzed LTV, DSCR, GDSCR and credit scores to make underwriting decisions.
- Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.
- Submits loan request to Credit Administration to secure approval for transaction.
General Manager
F&F Japanese Grill
01.2013 - 04.2019
- Recruiting, training and supervising staff.
- Handling customer complaints.
- Promoting and marketing business.
- Overseeing stocks and ordering supplies.
- Overseeing quality of products and service.
- Researching and identifying growth opportunities.
- Evaluating performance and productivity.
Education
BBA - Finance
University of Texas
01.2019
Skills
- SBA SOP 50 10 7
- SBA/Commercial Underwriting
- SOP's Eligibility Requirement Analysis
- Risk Analysis
- Collateral Analysis
- Business Financial Analysis
- Personal Financial Analysis
- Data management
- Ms Word
- Ms Excel
- Flexible and Adaptable
- Multitasking Abilities
Timeline
AVP / Loan Officer
Woori America Bank
07.2024 - Current
Credit Officer (SBA)
VelositySBA
03.2022 - 06.2024
SBA/Commercial Underwriter
CBB Bank
08.2019 - 02.2022
General Manager
F&F Japanese Grill
01.2013 - 04.2019
BBA - Finance
University of Texas
Similar Profiles
Eun Young ChoEun Young Cho
SBA Credit Administrator Assistant at Woori America BankSBA Credit Administrator Assistant at Woori America Bank
BORAM LEEBORAM LEE
Credit Admin Officer at Woori America BankCredit Admin Officer at Woori America Bank
Geunbo KoGeunbo Ko
Anti-Money Laundering Analyst at Woori BankAnti-Money Laundering Analyst at Woori Bank