Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Loun Vongkhoune

Sacramento,CA

Summary

Highly capable finance professional with solid background in loan origination and client management. Adept at navigating complex financial regulations while maintaining keen focus on client needs and satisfaction. Known for strong collaborative skills and results-driven approach, adapting seamlessly to dynamic environments.

Overview

1
1
Certification
33
33
years of professional experience

Work History

Loan Officer

Loan Factory, INC
San Jose, CA
06.2023 - Current
  • Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
  • Originated, reviewed, processed, closed, and administered customer loan proposals.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Assisted customers in understanding loan terms and conditions to make informed decisions.
  • Ensured compliance with all federal and state regulations throughout the loan origination process.
  • Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
  • Advised clients on mortgage, education and personal loans.
  • Conducted thorough credit analysis to minimize risk exposure for the financial institution.
  • Improved loan processing efficiency by streamlining application procedures and documentation requirements.
  • Provided detailed loan options to clients, enabling informed decisions that matched their financial goals.
  • Assisted customers with completing loan applications and other paperwork.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Monitored pipelines to track and log status of loans.

Real Estate Agent

Fathom Realty
08.2022 - Current
  • Managed contracts, negotiations, and all aspects of sales to finalize purchases and exceed customer expectations.
  • Negotiated, facilitated, and managed real estate transactions.
  • Advertised client properties through websites, social media, and real estate guides.
  • Maintained connections with clients to encourage repeat business and referrals.

Loan Officer

Affordable Home Finance
06.2022 - 06.2023
  • Coordinating communication and condition collection from the borrowers
  • Acquire a thorough knowledge of company products, policies, procedures, and underwriting requirements
  • Analyzing detailed financial and credit data; matching customer needs with an appropriate loan program and corporate risk matrices
  • Educate the benefit of reverse mortgage to borrowers
  • Take applications explaining the process
  • Processed loan applications and monitored progress from start to finish
  • Developed strong relationships with customers through high levels of customer service
  • Evaluated loan requests and documents to verify accuracy and completeness

Mortgage Loan Officer

Sovereign Lending Group
05.2022 - 06.2022

Mortgage Loan Officer

Sun West Mortgage Company
01.2022 - 04.2022

Mortgage Loan Officer

Liberty Reverse Mortgage/PHH Mortgage Corp.
12.2019 - 01.2022
  • Provided exceptional customer service throughout the entire loan process, consistently receiving positive feedback from clients.
  • Conducted comprehensive financial analyses to accurately assess borrower eligibility for reverse mortgage loans.
  • Increased loan application approvals by providing expert advice on reverse mortgage processes and requirements.
  • Resolved complex loan issues by applying industry knowledge and problem-solving skills to find solutions.
  • Assisted in developing tailored marketing strategies that resulted in increased awareness of available reverse mortgage products.
  • Proactively sought out opportunities for continuous improvement within the organization''s reverse mortgage processes.
  • Managed a diverse portfolio of clients, tailoring each strategy based on individual financial needs and goals.
  • Processed loan applications and monitored progress from start to finish.
  • Monitored pipelines to track and log status of loans.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.

Home Improvement Contractor

Sears Home Services
04.2019 - 11.2020

Completed remodeling of residential bathrooms, kitchens and basements.

  • Measured and marked cutting lines on materials, using rulers, pencils, chalk and marking gauge.
  • Interviewed clients to determine remodeling needs, budget and financing needs.
  • Managed multiple projects simultaneously, ensuring timely completion and adherence to quality standards.
  • Increased customer satisfaction by providing exceptional home improvement services, tailored to individual client needs.
  • Achieved high levels of client satisfaction by consistently completing projects within budget constraints.
  • Conducted thorough assessments of homes prior to starting projects, identifying potential issues and recommending appropriate solutions.

Auto Sales Consultant

Nissan Of Elk Grove
01.2019 - 04.2019

Facilitated smooth delivery of purchased vehicles by coordinating with detailing teams and ensuring all necessary paperwork was completed promptly.

  • Assisted in marketing efforts by participating in promotional campaigns, vehicle launches, and dealership events to attract potential customers.
  • Participated in continuous professional development opportunities such as industry seminars or workshops to stay current on automotive trends and technology advancements.
  • Provided ongoing support to clients after purchase completion, addressing concerns or questions to maintain satisfaction levels.
  • Consulted with sales and finance managers to negotiate sales price, trade-in allowance, license fee, discounts and financing or lease options on vehicle.

Auto Sales Consultant

Kuni Chevrolet Cadillac
02.2018 - 08.2018

Auto Sales Consultant

Elk Grove Ford
02.2015 - 07.2017

Telesales Representative

Verizon Wireless
02.2007 - 06.2013
  • Closed sales, including preparing contracts and processing order forms
  • Created detailed sales presentations to communicate product features and benefits
  • Provided pricing information to customers regarding specific products
  • Stayed knowledgeable on latest products and services advancements through training
  • Answered inbound telephone calls from interested customers to persuasively discuss offerings.
  • Overcame objections using friendly, persuasive strategies.
  • Delivered scripted sales talks to customers reached via manual and automatic dialing systems.
  • Processed credit payments to complete purchasing experience

Commercial/Residential Real Estate Agent

Elite Real Estate Group
01.2004 - 01.2007
  • Guided clients from beginning to end of home buying process in choosing right property.
  • Showed properties to potential buyers and other brokers at open houses and by appointment.
  • Informed home buyer of sales, construction and warranty processes.
  • Created virtual tours of homes listed, providing potential buyers with additional exposure to properties.
  • Scheduled and hosted open houses that showcased properties effectively, generating increased buyer interest levels.
  • Facilitated seamless closings by working closely with title companies, lenders, appraisers, inspectors during the escrow period.
  • Negotiated favorable contract terms for clients, resulting in successful real estate transactions.

Pharmacy Technician

Rite Aid Pharmacy
01.1994 - 04.2003
  • Coordinated verification and filling of more than daily prescriptions in high-volume pharmacy environment
  • Stocked, labeled and inventoried medication to keep accurate records
  • Solved customer problems in-person or over telephone by providing assistance with placing orders, navigating systems and locating items
  • Verified patient data and billing information to discover and resolve erroneous bills due to system errors
  • Liaised with other pharmacies to eliminate issues related to product expiration
  • Provided consultations and answered inquiries from patients, healthcare professionals and physicians regarding drugs, potential side effects and specified use
  • Consulted with insurance company representatives to complete claims processing, resolve concerns and reconcile payments
  • Ordered medicines daily to ensure compliance with demands and needs
  • Processed prescriptions per day in busy pharmacy achieving decreased customer wait times and maintaining excellent customer satisfaction
  • Calculated dosage, filled prescriptions and prepared prescription labels with absolute accuracy
  • Monitored ordering of pharmacy medication stock to maintain streamlined inventory
  • Helped pharmacist clear problematic prescriptions and address customer questions to keep pharmacy efficient
  • Answered incoming phone calls and addressed questions from customers and healthcare providers
  • Performed various pharmacy operational activities with strong commitment to accuracy, efficiency and service quality
  • Processed incoming drug orders

Education

GED -

Sacramento City College
Sacramento, CA

High School Diploma -

Grant Union High School
Sacramento, CA

Skills

  • Investment Product Sales
  • Loan Product Promotion
  • Financial Analysis Aptitude
  • Strategy Planning
  • Sales Pipeline Maintenance
  • Document Analysis
  • NMLS Registration
  • Creative Solutions
  • New Client Acquisition
  • Sales Expertise
  • Team Player
  • Financial advising

Certification

Property & Casualty License, NMLS#1930259

DRE01459030

Languages

Lao and Thai
Elementary

Timeline

Loan Officer

Loan Factory, INC
06.2023 - Current

Real Estate Agent

Fathom Realty
08.2022 - Current

Loan Officer

Affordable Home Finance
06.2022 - 06.2023

Mortgage Loan Officer

Sovereign Lending Group
05.2022 - 06.2022

Mortgage Loan Officer

Sun West Mortgage Company
01.2022 - 04.2022

Mortgage Loan Officer

Liberty Reverse Mortgage/PHH Mortgage Corp.
12.2019 - 01.2022

Home Improvement Contractor

Sears Home Services
04.2019 - 11.2020

Auto Sales Consultant

Nissan Of Elk Grove
01.2019 - 04.2019

Auto Sales Consultant

Kuni Chevrolet Cadillac
02.2018 - 08.2018

Auto Sales Consultant

Elk Grove Ford
02.2015 - 07.2017

Telesales Representative

Verizon Wireless
02.2007 - 06.2013

Commercial/Residential Real Estate Agent

Elite Real Estate Group
01.2004 - 01.2007

Pharmacy Technician

Rite Aid Pharmacy
01.1994 - 04.2003

High School Diploma -

Grant Union High School

GED -

Sacramento City College