Hien Ngo Schmidt
San Jose,CA
Summary
Talented professional with experience in financial analysis, business administration, and project management. Skilled in budget management, stakeholder engagement, and efficient marketing processes. International working experience across three countries, trilingual in English, Japanese and Vietnamese.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Loan Processor
Selection Realty & Mortgage
10.2013 - Current
- Ensure the timely, judicious, and accurate processing of mortgage loan applications
- Interview applicants to determine financial eligibility and feasibility of granting loans
- Identify and recommend products that meets customer's needs and lender's lending guidelines
- Review borrowers’ incomes, credit reports, employment histories, property appraisals, property tax and title insurance information to prepare loan applications for underwriting submittals
- Ensure compliance with company policies, underwriting guidelines, and lending-program requirements
- Communicate between loan originators, borrowers, lenders, and underwriters; coordinated with title companies to ensure fast and seamless closings
Construction Coordinator/ Business Analyst
Clarke Financial Partner, Inc
05.2016 - 03.2020
- Coordinated with architects, engineers, contractors, and other stakeholders to ensure that projects were completed on time and within budget
- Monitored project progress to ensure that all milestones were met
- Managed budgets and expenditures to ensure that costs were contained within budget
- Managed projects from start to finish, including scheduling work crews, ordering materials, and overseeing construction
- Communicated with contractors to resolve issues or concerns
- Reviewed blueprints and other construction documents to ensure that they were completed accurately
- Maintained records of all construction activities such as labor costs, material costs, and subcontractor information
- Reviewed change orders to determine if additional costs were required to complete construction projects
- Gathered, reviewed, and analyzed business and industry data; performed financial analysis and business forecasts for partnerships between U.S. partners and Vietnamese investors
Consumer Finance Product Marketing Manager/Brand Ambassador
ANZ Bank
01.2010 - 08.2013
- Developed and implemented annual activity plans and budget plans for consumer finance products, including credit card and personal loans, calendaring plans with external and internal stakeholders
- Established and improved efficient marketing processes and guidelines
- Performed cost-benefit analysis to achieve positive ROI on marketing campaigns
- Engaged internal and external stakeholders throughout projects/campaigns to meet commitments and deadlines
- Created alignment between stakeholders from multiple levels of organization
- Was fully responsible for media mix including ATL and BTL across campaigns with well tracked results and frequent evaluation
- Valuated advertising agencies and media agencies, worked closely with them to develop the most effective communication and media plans to achieve high ratings for campaign within given budget
- Conducted more than 20 consumer surveys and marketing research to monitor change in consumer trends and develop segmentation
- Conceptualized from beginning to end more than 50 marketing campaigns, two product launches (ANZ Platinum Credit Card Launch and Personal Loan Launch), five customer loyalty events, and 20 road shows
- Optimized marketing budget for best results while maintaining growth of business and regional branding alignments
- Brand champion: Promoted and maintained company's brand image while ensuring divisional compliance with Brand Governance
Marketing Consultant
Tokyo Beauty Vietnam Ltd Co
09.2009 - 12.2009
- Initiated innovative marketing strategy for first three years
- Set overall strategic direction for organizational growth
- Managed development of services and pricing strategies
- Defined targeted customer segment
- Conceptualized from end to end Grand Opening Event for Mano Mano Hair Saloon
Medical Office Assistant & Graphic Designer
Mission College
01.2008 - 12.2008
- Prepared patients for examination and treatment; Screened telephone calls for referral to nurses; Assisted with scheduling of tests and treatment
- Identified, analyzed, and resolved work problems; Ensured any patient complaints were handled appropriately
- Maintained patient files, records and other information
- Delivered designing solutions for marketing and office materials such as flyers, pamphlets, and brochures
Graphic Designer and Marketing Specialist
Huong Que Inc
09.2006 - 12.2007
- Created calendar, book, magazine, advertising page designs
- Developed and implemented marketing plan
- Initiated direct marketing plan resulting in increase in sales revenue by 10% in 2007
Graphic Designer and Marketing Executive
Daitsu Inc
04.2005 - 08.2006
- Created poster, flyer, brochure, menu, website, package designs
- Developed marketing strategies for online shopping website
- Developed and implemented marketing plans for group of restaurant chains
Education
MBA - Finance & Accounting
Silicon Valley University
San Jose, CAAssociate of Arts - Advertising Design
Tokyo Design Academy
Tokyo, JPBachelor of Arts - Business Administration
University of Economics
Ho Chi Minh City, VNSkills
- MS Excel
- MS Word
- PowerPoint
- QuickBooks
- Calyx Point
- Desktop Underwriter
- Adobe Photoshop
- Adobe Illustrator
- Adobe InDesign
Certification
Japanese Language Proficiency Test Level 1
Accomplishments
- ANZ Bank CEO Recognition Award 2013
- ANZ Bank Dragon Award June 2013
- Winner of Scholar Partner – Mission College 2008
Languages
English
Full Professional
Japanese
Full Professional
Vietnamese
Native or Bilingual
Timeline
Construction Coordinator/ Business Analyst
Clarke Financial Partner, Inc
05.2016 - 03.2020
Loan Processor
Selection Realty & Mortgage
10.2013 - Current
Consumer Finance Product Marketing Manager/Brand Ambassador
ANZ Bank
01.2010 - 08.2013
Marketing Consultant
Tokyo Beauty Vietnam Ltd Co
09.2009 - 12.2009
Medical Office Assistant & Graphic Designer
Mission College
01.2008 - 12.2008
Graphic Designer and Marketing Specialist
Huong Que Inc
09.2006 - 12.2007
Graphic Designer and Marketing Executive
Daitsu Inc
04.2005 - 08.2006
MBA - Finance & Accounting
Silicon Valley University
Associate of Arts - Advertising Design
Tokyo Design Academy
Bachelor of Arts - Business Administration
University of Economics
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