Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
Larry Lau

Larry Lau

Mortgage Loan Officer "Career Changer" To Financial Planner
Hilo

Summary

Experienced Mortgage Loan Officer of 15+ years with the Mortgage Industry, interfacing directly with clients and operating at the highest standard achieving Presidents Club recognition in 2020 & 2021. This experience provides an organized and dependable career changer with transferable skills, seeking to secure a position to learn & grow with the Financial Planning Industry. I would characterize myself as extremely motivated to explore opportunities in this space to define career path priorities with a likeminded firm towards securing and maintaining the likes of the subjects within the CFP® designation description. I welcome the idea of taking on continuous improvement, meeting company goals, and ultimately, to champion the lifestyle of CFP® Practitioner. I am very determined to earn the CFP® marks within 3.5 - 4.5 years.

Overview

11
11
years of professional experience
4
4
years of post-secondary education
5
5
Certifications

Work History

VP / Executive Residential Loan Officer

American Savings Bank
Hilo
06.2017 - Current
  • Explained very technical financial information to applicants in easy to understand language.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales. "2020 & 2021 Presidents Club"
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Monitored pipelines to track and log status of loans.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Used coordination and planning skills to achieve results according to schedule.
  • Conducted research, gathered information from multiple sources and presented results.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Worked flexible hours "Remotely" across night, weekend and holiday shifts and adapted to the Hybrid work model.

Loan Officer

HomeStreet Bank
Honolulu
06.2016 - 05.2017
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Examined customer loan applications for loan approvals and denials.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed and maintained relationships with local real estate agents.

Branch Manager

RMS, Inc. Dba Security 1 Lending
Honolulu
10.2014 - 06.2016
  • Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
  • Consulted customers to boost product sales and services to a profitable Branch within 12 months.
  • Generated financial and operational reports to assist management with business strategy.
  • Implemented service improvements to enhance sales cycle for the satellite office in Hawaii.
  • Developed and delivered polished sales presentations in order to highlight product and service quality.

Branch Manager

Generation Mortgage Company
Hilo
05.2012 - 10.2014
  • Consulted customers, examined their applications for loan approvals and denials.
  • Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies to increase customer experience.
  • Developed and delivered polished sales presentations in order to highlight product and service quality.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Submitted loan applications to underwriter for verification and recommendation.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.

Education

High School Diploma -

Hilo High School, Hilo, Hawaii
09.1996 - 06.1999

Certificate - Mortgage Lending

School of Mortgage Lending, Online
01.2006 - 06.2006

Studied Originating, Processing, Underwriting, Closing and Servicing a Mortgage over the course of nine months

Completion of - CERTIFIED FINANCIAL PLANNER™ Coursework

College For Financial Planning, A Kaplan Company
10.2022 - 01.2023

Dalton Education CFP® exam review to sit for July 2023 CFP® exam

  • Relevant Coursework: General Financial Planning Principles, Professional Conduct, and Client Psychology & Risk Management, Insurance, and Employee Benefits &Investment Planning & Tax Planning & Retirement Savings and Income Planning & Estate Planning & Financial Plan Development; CAPSTONE

Certificate - Behavioral Finance Certificate

Duke University, Online
08.2023 - 09.2023

Associate of Arts - Business Administration

Golden Gate University, Online
08.2023 - Current

Skills

Data Entry

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Accomplishments

Achieved Presidents Club status in 2020 & 2021 by helping 75+ Families per year with homeownership and their financing for a collective total of $74 Million in origination volume over the last 6 years.

Certification

EMoney Fundamentals Certificate of Completion

Timeline

PASSED Series 65 - Uniform Investment Adviser Law Examination (S65)

10-2023
Duke University - Certificate, Behavioral Finance Certificate
08.2023 - 09.2023
Golden Gate University - Associate of Arts, Business Administration
08.2023 - Current

PASSED July 2023 CFP® exam

07-2023
College For Financial Planning - Completion of , CERTIFIED FINANCIAL PLANNER™ Coursework
10.2022 - 01.2023

EMoney Fundamentals Certificate of Completion

08-2022

FPA Externship Graduate

08-2022

PASSED Security Industry Essentials Exam

11-2021
VP / Executive Residential Loan Officer - American Savings Bank
06.2017 - Current
Loan Officer - HomeStreet Bank
06.2016 - 05.2017
Branch Manager - RMS, Inc. Dba Security 1 Lending
10.2014 - 06.2016
Branch Manager - Generation Mortgage Company
05.2012 - 10.2014
School of Mortgage Lending - Certificate, Mortgage Lending
01.2006 - 06.2006
Hilo High School - High School Diploma,
09.1996 - 06.1999

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Larry LauMortgage Loan Officer "Career Changer" To Financial Planner