Lancy Sun
Irvine,CA
Summary
The knowledge of Real Estate mortgages origination and the 20 years of experiences will achieve the company’s goals and personal successful. Well-versed in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue.
Overview
34
34
years of professional experience
1
1
Certification
Work History
Mortgage Loan Originator
O C Home Loans
03.2022 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Collaborated with underwriters, processors, and other team members to resolve issues, ensuring smooth transactions for all parties involved.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Maintained up-to-date knowledge of industry regulations, changes, and trends to provide accurate advice to clients.
Mortgage Loan Officer
American Integrity Finance
02.2018 - 02.2022
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
Mortgage loan officer
Fidelity Finance, Inc.
01.2011 - 01.2018
- Loan origination, processing documents, loan signing and close.
Mortgage Loan Office / Home Loan
Bank of America
01.2007 - 01.2011
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Account Executive / Mortgage Loan Officer
Bank of America
01.2003 - 01.2007
- Chairman Club 2006,2007.
- Provided exceptional customer service, addressing client concerns promptly and effectively to ensure long-term loyalty.
- Qualified leads, built relationships and executed sales strategies to drive new business.
- Negotiated contracts successfully, securing favorable terms for both the company and clients.
- Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
- Boosted client satisfaction by developing and maintaining strong relationships through effective communication.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
Senior Personal Banker/ Notary loan closing
Bank of America
01.2002 - 01.2003
- Senior Personal Banker with the highest record of sales and customer service score every fiscal quarter
- Helped launch the new version of the business branch reached the market to become the new model banking centers for Bank of America.
Senior Personal Banker/Loan Officer
Bank of America
01.1998 - 01.2002
- Resolved complex customer inquiries, demonstrating exceptional problem-solving skills and customer service expertise.
- Collaborated with branch team members to ensure seamless execution of daily operations and optimal customer experience.
- Conducted financial reviews for customers, identifying opportunities for cross-selling additional products and services.
Personal Banker
Bank of America
01.1991 - 01.1996
- Gold Club 1996, 1995, and 1994.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Promoted financial products by maintaining excellent service offering knowledge.
Education
MBA - Business Management
University of Phoenix
On Line2010
Bachelor of Science -
National Chung-Hsing University
Taipei-TaiwanCourses required for the State Real Estate License exam -
Irvine Valley College
Irvine, CaliforniaSkills
- Loan structuring
- Pipeline Management
- Underwriting guidelines
- Residential mortgage lending regulations
- Loan Processing
- Document Preparation
Certification
National Mortgage License, NMLS ID # 489376
State Of California Real Estate Salesperson License #01948580 issue 2-202022, expires 2-19-2026
Communityaffiliations
- Orange County Praise Community Choir
- Irvine Valley College Tap dance class, performance in City of Irvine variety talent show.
Phone
(949) 769-9912 cell
Languages
Chinese (Mandarin)
Full Professional
Timeline
Mortgage Loan Originator
O C Home Loans
03.2022 - Current
Mortgage Loan Officer
American Integrity Finance
02.2018 - 02.2022
Mortgage loan officer
Fidelity Finance, Inc.
01.2011 - 01.2018
Mortgage Loan Office / Home Loan
Bank of America
01.2007 - 01.2011
Account Executive / Mortgage Loan Officer
Bank of America
01.2003 - 01.2007
Senior Personal Banker/ Notary loan closing
Bank of America
01.2002 - 01.2003
Senior Personal Banker/Loan Officer
Bank of America
01.1998 - 01.2002
Personal Banker
Bank of America
01.1991 - 01.1996
MBA - Business Management
University of Phoenix
Bachelor of Science -
National Chung-Hsing University
Courses required for the State Real Estate License exam -
Irvine Valley College