Judy Tran
Centreville,VA
Summary
Dynamic Mortgage Loan Officer Assistant with a proven track record at Mortgage 4U, excelling in credit analysis and customer service. Expertly streamlined loan processing, reducing application errors and enhancing communication across teams. Bilingual in Mandarin and English, I foster strong client relationships, ensuring a smooth and efficient loan experience.
Overview
30
30
years of professional experience
Work History
Mortgage Loan Officer Assistant
Mortgage 4U / AmeriPrime Lending
Rockville, MO
01.2016 - Current
- Assisted in processing mortgage applications, ensuring compliance with regulations and company policies.
- Coordinated communication between clients, lenders, and real estate agents to streamline loan approvals.
- Maintained accurate loan documentation and records using Calyx Point mortgage software.
- Reviewed credit reports and financial information to assess borrower eligibility for loans.
- Developed marketing materials to attract potential clients and promote lending services.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Continuously expanded knowledge of various mortgage products and lending guidelines to provide clients with the best possible solutions for their needs.
- Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
- Facilitated smooth loan closings by coordinating with title companies, attorneys, and borrowers.
- Streamlined communication between underwriters and loan officers, resulting in improved turnaround times.
Loan Officer Assistant
Green Valley Mortgage
Fairfax , VA
11.2011 - 12.2015
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Streamlined communication channels between clients, Loan Officers, and underwriters to ensure timely updates and efficient information sharing.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Monitored key dates to obtain information by deadlines.
- Streamlined communication between loan officers and clients, ensuring clarity and efficiency in information exchange.
- Assisted in reducing application errors, carefully verifying applicant information against required documentation.
- Contributed to decrease in loan defaults by assisting in thorough vetting of applicants' credit histories.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Prepared loan packages, verifying accuracy of financial documents and data entry.
Loan Officer Assistant
Jacob Dean Mortgage
Vienna, VA
07.2008 - 10.2011
- Assisted loan officers in processing applications and managing client communications.
- Coordinated documentation for loan approvals, ensuring compliance with regulatory standards.
- Managed scheduling of client meetings, enhancing overall workflow efficiency.
- Prepared loan packages, verifying accuracy of financial documents and data entry.
- Monitored loan progress, providing timely updates to clients and team members.
- Answered inquiries and provided superior customer service to clients.
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Communicated with customers daily to request information and complete paperwork.
- Set up files using loan officer checklist and submitted on-time for processing.
- Assembled important paperwork and disclosures for borrower.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Reviewed and validated details of loan applications and closing documentation.
Assistant Loan Officer
East West Mortgage Company
Vienna
05.2003 - 06.2008
- Assisted clients in completing loan applications and gathering necessary documentation.
- Evaluated credit reports and financial statements to determine loan eligibility.
- Coordinated communication between clients, underwriters, and real estate agents.
- Maintained accurate records of loan transactions and client interactions using CRM systems.
- Provided ongoing support to Loan Officers during peak periods, preventing delays in application processing times.
- Collaborated with underwriting team to expedite loan approvals and maintain a smooth workflow.
- Expedited closing processes by coordinating with title companies, attorneys, and escrow agents.
Loan Processor
East West Mortgage
Vienna
02.2001 - 05.2003
- Reviewed loan applications for compliance with regulations and company policies.
- Collaborated with underwriters to ensure timely processing of loan approvals.
- Managed communication between clients, lenders, and real estate agents throughout the loan process.
- Analyzed financial documents to assess borrower eligibility and risk factors.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Realtor
Jobin Realty
Springfield, VA
06.1996 - 01.2001
- Negotiated contracts and terms between buyers and sellers to ensure favorable outcomes.
- Guided first-time homebuyers through purchasing processes, ensuring clear communication and support.
- Established strong relationships with clients through exceptional service and consistent follow-up communications.
- Streamlined contract negotiations by meticulously reviewing documents and communicating clearly with all involved parties.
- Assisted clients in navigating complex financial transactions, ensuring a smooth process from start to end.
- Contributed to the success of the real estate agency by consistently meeting or exceeding sales targets.
- Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
Education
GED -
NOVA Community College
Alexandria, VA08-1984
High School Diploma -
BAC AI HOC VIEN
Saigon, Viet Nam05-1975
Skills
- Document review
- Credit analysis
- Customer service
- Excellent communication in Chinese Mandarin, Cantonese, Vietnamese and English
Timeline
Mortgage Loan Officer Assistant
Mortgage 4U / AmeriPrime Lending
01.2016 - Current
Loan Officer Assistant
Green Valley Mortgage
11.2011 - 12.2015
Loan Officer Assistant
Jacob Dean Mortgage
07.2008 - 10.2011
Assistant Loan Officer
East West Mortgage Company
05.2003 - 06.2008
Loan Processor
East West Mortgage
02.2001 - 05.2003
Realtor
Jobin Realty
06.1996 - 01.2001
GED -
NOVA Community College
High School Diploma -
BAC AI HOC VIEN