Jason Mun
Los Angeles,CA
Summary
Motivated professional with a proven track record of embracing challenges and delivering results. Demonstrates strong work ethic and adaptability in dynamic environments. Exceptional interpersonal skills facilitate effective collaboration and communication with diverse teams.
Overview
14
14
years of professional experience
Work History
Commercial Loan Auditor
Twhc
Burbank, California
01.2024 - 02.2025
- Audit financial statements, and assess accounts for accuracy and regulatory compliance.
- Inspect the internal system and control.
- Examine the validity and reliability of financial, accounting, and other data, and report any deviations.
- Create internal control documentation, including narratives, process, and data flows.
- Draft concise audit reports that accurately reflect facts, observations, risks, and recommendations.
Commercial Loan Underwriter
First Entertainment Credit Union
Burbank, CA
06.2019 - 09.2023
- Managed to originate over $40 million in CRE loans annually while ensuring compliance with regulatory guidelines, and bank and credit policies.
- Reviewed and analyzed financial statements, tax returns, credit reports, bank statements, rent rolls, property operating statements, and commercial and residential leases.
- Prepared financial models, cash flow analysis, pro forma, trend analysis, global cash flow analysis, debt-to-income ratio, risk rating analysis, and stress testing.
- Worked closely with borrowers, appraisers, inspectors, property management, CPAs, and attorneys to review and ensure that collateral is properly secured, and to minimize risk exposure.
CRE Credit Analyst
Logix Federal Credit Union
Burbank, CA
11.2014 - 06.2019
- Completed the financial statement review and quarterly risk rating to identify risk deterioration.
- Comprehensive management of a commercial loan portfolio, which includes conducting reviews of existing relationships, preparing covenant recommendations to minimize risk, renewing maturing loans, and managing troubled credits, etc.
- Monitor and service a $150MM+ commercial loan portfolio, including retail, office, mixed-use, light industrial, hospitality, and owner-occupied properties.
C&I Credit Analyst
East West Bank
Pasadena, CA
01.2013 - 09.2014
- Conduct a close financial analysis: revenues and forecasting, working capital, operating costs, non-operating costs, liquidity, growth and profitability, balance sheet, and accounts payable and accounts receivable.
- Attends to the needs of customers seeking loans or lines of credit on terms that involve significant amounts of unsecured funds. Interviews existing borrowers to develop information concerning their business line of credit. Industries include apparel, industrial, and manufacturing.
- Conduct a close financial analysis: revenues and forecasting, working capital, operating costs, non-operating costs, liquidity, growth and profitability, balance sheet, and accounts payable and accounts receivable.
SBA Loan Officer
American Continental Bank
City of Industry, CA
01.2011 - 01.2013
- Directly involved in all aspects of the loan approval process, including underwriting, closing, and funds disbursements.
- Review and analyze small business and CRE loan transactions, ranging from $500,000 to $2 million, for preliminary approval or denial in accordance with bank and SBA SOP guidelines.
- Assemble all required bank documentation for processing and underwriting loans, including the credit approval report, note instruction, property description, conclusion of value, business cash flow, risk rating report, personal financial statement, and debt-to-income ratio.
- Request and obtain reports such as the title report, credit report, UCC, appraisal report, and environmental report.
- Implemented key metrics for small business underwriting: break-even analysis, and assets analysis in relation to liquidation.
- Ensure consistency with organizational policy and commercial credit regulation for internal and external audits.
- Ensure the quality of loan files and documentation, with a focus on maintaining the SBA guarantee.
Education
B.S. in Management Science -
University of California, San Diego
06.2007
CPA Education -
Santa Monica College
Skills
- Financial Analysis
- Cash Flow Analysis
- Risk Management
- Trend Analysis
- Verbal and Written Communication
- Quantitative Skills
Language, license, and other skills
- Fluency in English, Korean
- Candidate for the CPA Exam, Real Estate Salesperson License
- Proficiency in Microsoft Word, Excel, Powerpoint, Quickbooks, Credit Quest, Moody’s and other banking software
Timeline
Commercial Loan Auditor
Twhc
01.2024 - 02.2025
Commercial Loan Underwriter
First Entertainment Credit Union
06.2019 - 09.2023
CRE Credit Analyst
Logix Federal Credit Union
11.2014 - 06.2019
C&I Credit Analyst
East West Bank
01.2013 - 09.2014
SBA Loan Officer
American Continental Bank
01.2011 - 01.2013
B.S. in Management Science -
University of California, San Diego
CPA Education -
Santa Monica College