Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Lani Vu

San Jose,CA

Summary

With over 30 years in the mortgage industry, I have a strong reputation in the Bay Area and surrounding regions, my client-first mentality has helped me create a broad network of satisfied clients and an extensive community of Realtors. I am passionate about building trusting relationships by providing guidance and best in class products and services. I pride myself in making homeownership goals a reality and nothing gets me more excited then helping a first time home buyer get into their dream home or helping a past client save money on their existing mortgage .

Overview

12
12
years of professional experience

Work History

Senior Home Loan Advisor

Golden1 Credit Union
Burlingame, CA
02.2023 - 08.2023
  • Counseled clients on home purchasing and loan process, provided detailed information regarding mortgage products, rates, and terms to customers and assisted clients in selecting the best mortgage product based on their individual needs and goals .
  • Managed the entire loan process from application to closing , monitored progress of loans throughout the approval process and kept customers informed at each step.
  • Developed relationships with real estate agents, builders and financial advisors to enhance business opportunities. Participated in trade shows and industry events.
  • Stayed abreast of lending regulations, industry trends and market rates.

Producing Sales Manager

Wells Fargo Home Mortgage
San Jose, CA
12.2018 - 02.2023
  • Built and managed a cohesive, high-performing team of mortgage consultans, Juniors HMC and home mortgage assistants by providing direction and motivation, personally mentoring individual members, promoting achievements, and attaining an exceptional retention rate.
  • Originated and closed between $65 million to $140 million per year in purchase and refinance loans with a 95% closing ratio and 100% customer service loyalty .
  • Created an environment that enabled staff to work productively in a high-pressure environment, initiated activities to enhance collaboration and control performance, and coached mortgage consultants to peak performance .
  • Cultivate alliances inside and outside the bank with financial planners, realtors, builders, bank stores, wealth management teams, and existing and past customers to attain lucrative referrals, as wells as internal professional services teams to ensure compliance with government regulations and WFB guidelines.

Senior Home Lending Advisor - Private Bank

JP Morgan Chase Bank NA
Saratoga, CA
08.2018 - 10.2018
  • Assisted customers in selecting the best loan product to meet their financial needs. Answered customer inquiries regarding loan options, repayment plans, and eligibility criteria. Reviewed and evaluated customer's financial information including credit reports and tax returns. Calculated loan payments, terms, interest rates and other costs associated with loans.
  • Developed strategies to increase sales of loan products through referrals from existing customers. Ensured compliance with state and federal regulations pertaining to lending activities.
  • Covered and managed multiple banking center locations.
  • Developed comprehensive marketing plan and system to generate self-sourced business. Involved and member of multiple real estate networking associations and affiliations.

Senior Home Lending Officer

Bank of America
Sunnyvale, CA
02.2017 - 08.2017
  • Top focus on purchase residential mortgage loans through realtor partners, builders and all referral sources
  • Handled all aspects of loan file cycle from pre-qualification, application , processing , underwriting and closing .

Senior Mortgage Consultant

MUFG Union Bank
Saratoga, CA
01.2016 - 02.2017
  • Top focus on purchase residential mortgage loans through bank partners , financial advisors , realtors and builders.
  • Originated and closed $45-$50 million residential conforming and portfolio loans.
  • Cross sell consumer banking products and refer mortgage clients to personal bankers and relationship banking managers for deposit and investment products.

Senior Home Mortgage Consultant

Wells Fargo Home Mortgage
Palo Alto, CA
02.2015 - 01.2016
  • Provided guidance and advice to borrowers on the best mortgage product that meets their needs.
  • Negotiated terms of mortgages with clients based on their individual financial situations.
  • Monitored daily operations related to mortgage processing activities including origination, prequalification and underwriting.
  • Coordinated communication between multiple parties involved in the home loan process.
  • Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
  • Resolved customer complaints in a timely manner while adhering to company policies.
  • Maintained up-to-date knowledge of changing laws governing residential lending practices.

Senior Home Lending Officer

Citibank
San Jose, CA
02.2012 - 01.2015
  • Top focus on purchase residential mortgage loans through realtor partners, builders and all referral sources
  • Assigned to several banking center locations to partner with relationship bankers and financial advisors to cross sell consumer loan products .
  • Originated and closed $30-$40 million in loans per year
  • Handled all aspects of loan file cycle from pre-qualification, application , processing , underwriting and closing .

Education

Business Economics

University of California, Irvine
Irvine, CA
06.1984

Skills

  • Sales Expertise
  • Excels in Team Leadership
  • Company procedures
  • Regularoty and Statutory Compliance
  • Loan processing and underwriting expertise
  • Pipeline management and procedure optimization
  • Strong oral and written communications
  • Strong interpersonal Skills
  • Multilingual in Vietnamese

Languages

Vietnamese
Native/ Bilingual

Timeline

Senior Home Loan Advisor

Golden1 Credit Union
02.2023 - 08.2023

Producing Sales Manager

Wells Fargo Home Mortgage
12.2018 - 02.2023

Senior Home Lending Advisor - Private Bank

JP Morgan Chase Bank NA
08.2018 - 10.2018

Senior Home Lending Officer

Bank of America
02.2017 - 08.2017

Senior Mortgage Consultant

MUFG Union Bank
01.2016 - 02.2017

Senior Home Mortgage Consultant

Wells Fargo Home Mortgage
02.2015 - 01.2016

Senior Home Lending Officer

Citibank
02.2012 - 01.2015

Business Economics

University of California, Irvine
Lani Vu