Phuong ( Zack) Nguyen
Washington,DC
Summary
Detail-oriented Mortgage Loan Officer with 20 years of experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Systematic Mortgage Loan Officer with extensive knowledge of residential and commitment to finding the best financial plans for everyone. Successful at reviewing applications and detail-oriented inspections. Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Ready for new position where loan evaluation background can be best utilized. Results-oriented Mortgage Loan Originator knowledgeable about wide range of loan products. Professionally works with different customers to meet individual needs and maximize bank revenue. Analytical problem-solver tenacious in pursuing sales opportunities. Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology. Thorough and detail-oriented Loan Officer brings proven expertise in evaluating packages with balanced approach encompassing both risk mitigation and profit goals. Excels at marketing products and developing referral networks to sustain customer base. Specializes in Conventional, VA and FHA products. Ambitious, career-focused job seeker, anxious to obtain an entry-level HUD position to help. launch career while achieving company goals.
Overview
12
12
years of professional experience
2
2
Languages
Work History
Mortgage Loan Officer
Nova Lending Group, LLC
Washington, DC
2019.09 - Current
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Informed customers of loan application requirements and deadlines.
- Complied applications and paperwork and double-checked for accuracy.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Collaborated with company teams to expedite loan approval processes.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Developed and maintained relationships with local real estate agents.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Educated customers on various aspects of mortgage financing options available.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Identified valuable solutions for customers with credit problems.
- Developed and recommended personal or commercial loan packages for clients.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Gathered client debt, credit and income information to determine loan eligibility.
- Informed customers of application deadlines, approvals and denials.
- Educated customers regarding actions and strategies for debt repayment.
- Analyzed new markets and developed referral networks to locate new loan prospects.
Loan Processor
Fidelity Lending Group, LLC
Annandale, VA
2012.02 - 2019.09
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Updated customers regularly on status of their loans throughout the processing period.
- Reviewed initial client documentation to structure and submit loan package.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Submitted loan applications to underwriting department for review and approval process.
- Created and completed loan submission packages.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
Education
High School Diploma -
W.T Woodson High School
Fairfax2000-07
Skills
- Desktop Underwriter Expert
- Financial Analysis
- Document Analysis
- Licensed Mortgage Loan Originator
- Complaint Handling
- Financial History Analysis
- Credit File Updating
- Customer Relations
- Loan Processing Coordination
- Income Evaluation
- Automated Underwriting System (AUS)
- Application Review
- Wealth Planning
- Loan File Maintenance
- Credit History Review
- Property Evaluation
- Bank Product Marketing
- Client Interview
- Basic Mathematics
- NMLS Registration
- Active Listening and Learning
- Decision-Making
- Data Entry
- Customer Service
- Remote Video Conferencing
- Microsoft Office
- Payoff Planning
- Mortgage Facilitation
- Oral and Written Comprehension
- Economics Understanding
- Financial Planning Expert
- Intuit QuickBooks
- Sales Development
- Payment Collection
- Credit Check Knowledge
- Regulatory Compliance
- Negotiation Tactics
- Sales Forecasting
- Creditworthiness Determination
- Attention to Detail
- Terms Definition
- Payment Schedule Computation
- Financial History Review
- Loan Portfolio Monitoring
- Financial Auditing
Languages
Vietnamese
Professional
English
Professional
Websites
Board of Director at The Avidian Condo D.C Title : Treasurer
I served as Board of Director as of September 2023 to current . My term end Sept 2025.
My duties is responsible for governance, oversight, and major decision-making, representing the interests of shareholders or stakeholders.
Westminster Presbyterian Church Elder and Session Member
- I served as Elder and Session Member Westminster Presbyterian Church D.C From 01/01/2024 to Current ( my term end in 12/31/2026) . I am elected by the congregation and my duties are: Make decisions for the running of the local church and serve as spiritual leaders of the congregation.
Timeline
Mortgage Loan Officer
Nova Lending Group, LLC
2019.09 - Current
Loan Processor
Fidelity Lending Group, LLC
2012.02 - 2019.09
High School Diploma -
W.T Woodson High School