Job Search Status
Open to workDesired start date: Flexible
Open To Work
Verified
This profile is verified using an email address.
Janice Tan
Monterey Park,CA
Work Preference
Summary
- Real Estate Broker since 1980 with client advocate skilled in establishing buyer and seller partnerships to foster stress-free real estate sales transactions and in contract negotiation plus housing market monitoring.
- Knowledgeable credit administrator with solid foundation in credit administration and history of supporting financial operations. Proven ability to manage credit portfolios and maintain customer relationships. Demonstrated skill in risk assessment and credit analysis
Overview
23
23
years of professional experience
Work History
Real Estate Broker Associate
Exp Realty
09.2023 - Current
- Analyzed market data to pinpoint emerging trends and opportunities within the real estate sector.
- Conducted comprehensive property searches for clients, focusing on their unique needs and preferences.
- Utilized various marketing platforms to create detailed property listings that effectively showcase features and benefits.
- Coordinated interactions among buyers, sellers, and stakeholders, ensuring clarity and transparency throughout transaction processes.
- Collaborated with team members to streamline operational workflows and enhance client service delivery.
- Provided insights on pricing strategies based on comparative market analysis of properties.
- Maintained up-to-date knowledge of local regulations and market conditions affecting real estate transactions.
- Developed strong relationships with clients, leading to repeat business and referrals.
- Maintained a high level of industry knowledge through continuous education, attending seminars, workshops, and networking events.
- Prepared detailed property reports for clients, enabling informed decision-making on home purchases or investments.
- Maintained accurate records of all transactions to ensure compliance with state regulations and company policies.
- Coordinated inspections, appraisals, repairs, and other necessary steps during the transaction process to ensure smooth closings for all parties involved.
- Streamlined communication processes between buyers, sellers, and agents resulting in efficient transaction completions.
- Collaborated with mortgage brokers to assist clients in securing financing for property acquisitions.
- Conducted thorough due diligence on properties before advising clients to proceed with offers or negotiations.
- Enhanced client experience by providing personalized guidance throughout the buying or selling process.
- Provided expert advice on property values, local market conditions, zoning regulations, and potential risks associated with various real estate transactions.
- Negotiated favorable contract terms for clients, resulting in cost savings and client satisfaction.
- Assisted buyers in finding the right properties by understanding their needs and preferences.
- Identified investment opportunities for clients based on market trends and financial goals.
- Organized open house events to showcase available properties and attract potential buyers.
- Generated new leads by effectively utilizing social media platforms and maintaining an active online presence.
- Negotiated, facilitated, and managed real estate transactions.
- Maintained connections with clients to encourage repeat business and referrals.
- Developed and maintained relationships with clients through networking, postcards, and cold calling.
- Presented purchase offers to sellers for consideration.
- Advised clients on market conditions and property value for informed decision-making.
- Wrote listings detailing and professionally highlighting property features to increase sales chances.
- Marketed and sold property for clients by hosting open houses and advertising online and in print.
- Liaised between buyers and sellers to provide positive experiences for both parties.
- Conducted comprehensive market analysis to identify opportunities for investors.
- Reviewed market research data and changed sales plans accordingly.
- Developed and implemented strategic marketing plans to increase potential for selling properties and generate more leads.
- Prepared and presented contracts and other legal documents to clients.
- Reviewed and executed confidential documents, contracts and disclosures.
- Developed new business and managed new and existing clients.
- Educated clients looking to sell or buy on current market conditions, legal requirements, pricing, and mortgages.
- Leveraged market knowledge and analysis to provide guidance and advice on best options for clients.
- Studied property listings, interviewed prospective clients, accompanied clients to properties and discussed condition of sales.
- Established positive flow of communication with agents, clients, attorneys and personnel involved in closing transactions.
- Collaborated with mortgage companies to accurately determine loan and mortgage options for clients.
- Developed and implemented marketing strategies to maximize sales and attract new clients.
- Managed scheduled meetings to maintain satisfaction of both buyers and sellers and facilitate smooth purchases.
- Performed home evaluations and developed competitive market analysis for individual homes.
- Followed-up escrow process, coordinated contingency removal of property inspection and maintained timely closing of escrow.
- Worked closely with clients to facilitate appropriate loans, inspections, and credit reports.
- Appraised commercial properties, maintaining accuracy and employing knowledge of area markets for accuracy.
Credit Adminstrator
Overseas Chinese Banking Corporation
09.2008 - 02.2023
- Streamlined credit application processes to enhance efficiency and reduce processing time.
- Ensured compliance with regulatory requirements for credit approvals and risk assessments.
- Collaborated with cross-functional teams to resolve credit-related issues and improve customer service.
- Developed training materials for new staff on credit policies and procedures, fostering knowledge retention.
- Analyzed credit reports to evaluate applicant eligibility, ensuring accurate risk assessment decisions.
- Led initiatives to improve documentation accuracy, minimizing discrepancies in credit files and reports.
- Mentored junior team members, providing guidance on complex credit scenarios and enhancing team performance.
- Implemented process improvements that increased overall productivity within the credit administration department.
- Worked with customers to answer questions, resolve disputes and research discrepancies.
- Mitigated potential losses by proactively identifying accounts requiring collection efforts or restructuring agreements.
- Reduced delinquency rates by conducting thorough credit evaluations for prospective clients.
- Enhanced profitability by monitoring loan portfolio performance and managing risk exposure.
- Facilitated cross-functional collaboration to effectively manage complex transactions and resolve issues promptly.
- Demonstrated exceptional attention to detail in reviewing financial statements, tax returns, and other documentation as part of the underwriting process.
- Supported executive decision-making by preparing detailed reports on portfolio health and loan status updates.
- Optimized workflow efficiency through ongoing staff training in best practices for credit evaluation and management.
- Protected company assets by enforcing strict adherence to established lending guidelines during the approval process.
- Ensured compliance with industry regulations and internal policies through diligent oversight of the credit administration process.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reviewed and analyzed loan procedures.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Maintained compliance with applicable regulations and laws governing consumer credit.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Complied with internal controls and government regulations.
- Improved understanding of financial statements, which helped in assessing risk.
Loan Officer AVP
Summit National Bank
05.2003 - 07.2008
- Assessed creditworthiness and risk levels of loan applications through detailed analysis and review.
- Analyzed client needs and recommended appropriate loan products to foster long-term relationships.
- Engaged with underwriting teams to accelerate loan processing and ensure timely approvals.
- Engaged with real estate agents to foster strong connections, facilitating increased referral opportunities.
- Conducted financial analysis to determine eligibility for various loan programs.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Advised clients on mortgage, education and personal loans.
- Conducted thorough credit analysis to minimize risk exposure for the financial institution.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Negotiated favorable loan terms with borrowers, increasing overall profitability for the company.
- Maintained an extensive knowledge of current market trends and industry changes to provide accurate advice to clients.
- Reviewed and updated loan policies to reflect current best practices, ensuring operational excellence.
- Initiated outreach efforts to underserved communities, expanding bank's customer base.
- Maintained compliance with all regulatory requirements, preventing any legal or financial penalties for institution.
- Facilitated financial workshops for prospective borrowers, improving their understanding of loan products and credit health.
- Negotiated favorable loan terms with applicants, ensuring competitive offerings while maintaining bank profitability.
- Coordinated with legal team to ensure all loan agreements were compliant with state and federal regulations.
- Collaborated with underwriting team to expedite loan approvals, meeting customer expectations for quick service.
- Conducted comprehensive risk assessments for loan portfolios, resulting in balanced risk management.
- Tailored loan packages to meet specific needs of small businesses, fostering community economic growth.
- Monitored loan repayments and followed up on delinquent accounts, minimizing non-performing assets.
- Resolved customer complaints regarding loan products and services, restoring trust and satisfaction.
- Assisted customers with completing loan applications and other paperwork.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assessed loan portfolios for compliance with underwriting policies.
- Researched and updated industry knowledge on changing legislation and regulations.
- Analyzed financial performance data to drive informed decision-making and support business growth.
- Cultivated relationships with key stakeholders to align banking services with client needs.
- Oversaw compliance with regulatory requirements, ensuring risk management protocols are met.
- Spearheaded community engagement initiatives, enhancing brand recognition and customer loyalty.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Established policies and procedures that improved operational efficiency within the organization.
- Negotiated contracts with suppliers, securing favorable terms and conditions for the company''s benefit.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
- Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
- Reported issues to higher management with great detail.
- Updated and resolved incidents and managed accessorial charges objectively while maximizing profit.
- Identified and qualified customer needs and negotiated and closed profitable projects with high success rate.
- Reduced operational risks while organizing data to forecast performance trends.
- Interacted well with customers to build connections and nurture relationships.
Education
Associate of Arts -
Cerritios College
Cerritos, CABachelor of Arts -
University of Phoenix
Skills
- Customer experience management in real estate and finance
- Proficient in valuation analysis
- Adept at language translation and interpretation
- Market trend evaluation
- Comprehensive feasibility evaluations
- Fundamental knowledge of MS applications
Languages
English
Professional Working
Chinese (Cantonese)
Professional Working
Chinese (Mandarin)
Full Professional
Vietnamese
Limited Working
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Real Estate Broker Associate
Exp Realty
09.2023 - Current
Credit Adminstrator
Overseas Chinese Banking Corporation
09.2008 - 02.2023
Loan Officer AVP
Summit National Bank
05.2003 - 07.2008
Associate of Arts -
Cerritios College
Bachelor of Arts -
University of Phoenix