Shawn Chang
Brea,CA
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
14
14
years of professional experience
Work History
HELOC UNDERWRITER
Loandepot
06.2022 - 05.2023
- Improved loan approval rates by meticulously reviewing and verifying application documentation.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Implemented efficiency improvements in workflow processes, resulting in reduced turnaround times for mortgage approvals.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Discussed credit reports and asset management with borrowers to foster understanding of loan processes.
SENIOR ACCOUNT MANAGER II
LOAN DEPOT
09.2019 - 04.2022
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
SALES/BUSINESS MANAGEMENT
DERMAL COSMETICS USA
01.2018 - 05.2019
- Conducted price and feature comparisons to facilitate purchasing from overseas
- Participated in trade shows and conferences, promoting company offerings and expanding brand presence within the industry.
- Coordinated closely with supply chain partners to ensure timely product delivery while minimizing costs associated with inventory management.
- Utilized data-driven insights to refine sales tactics, leading to more efficient prospect targeting and improved close ratios.
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Met with clients, delivering presentations, and educating on product and service features and offerings.
- Build and promote strong, long lasting customer relationships with all vendors by contacting them to follow up on purchases, suggest new products and invite them to upcoming events
- Established client cosmetic needs and make effective product recommendations
- Devised targeted sales presentations that effectively demonstrated product value propositions to potential clients.
- Managed ocean freight/trucking rates/dispatch with logistics company for all delivery vendors
- Managed website sales and promotions via Shopify with monthly event promotion code and marketing banner theme
- Monitored monthly shipments with final destination ETA; coordinating delivery in time manner
- Maintained and oversee sale interest, including scheduling of pre-sale interest meetings
- Reconciled invoices and payments on a daily basis and leveraged relationships with vendors to drive on-time payment to help reduce any delays.
- Expanded market share with the establishment of new business partnerships and client relationships.
OPERATION/ BUSINESS DEVELOPMENT
OEC SHIPPING INC
03.2012 - 12.2017
- Coordinating spot quotations and obtain quotations from the selected carries in order to perform analysis
- Gathering documents from parties involved in shipment (broker, trucker, port, etc) charges confirm and paid to release daily according to ETA to port
- Identifying and prioritizing logistics needs, and convey suggestions to upper management for attaining efficient result
- Providing best cost-effective procedure of transportation and warehouse
- Managing shipping, receiving consolidations, scheduling and material handling to ensure efficient and organized movement of inbound and outbound shipments
- Conducting and presenting monthly reports to management on data performance per customers
- Supervising customer service issues to make certain that all situations are settled in a variable manner to satisfy the customer while limiting the company's liability
- Preparing arrival notices, coordinating delivery appointments, maintaining a tracking database and providing proactive communication to ensure carriers meet availability, schedules and on-time delivery commitments
- Downloading daily volume of 50-100 files on AMS and confirming delivery destination with correct ETA; emailing arrival notice to cnee's for release of shipment
- Ensuring compliance related to HTS classification with trade activities and validation of customs documents.
- Analyzed competitor strategies to develop countermeasures that ensured continued market dominance.
- Initiated cost optimization measures, identifying inefficiencies within existing processes that led to significant operational savings over time.
ACCOUNTING MANAGEMENT DEPARTMENT
KOO'S MANUFACTURING
03.2009 - 02.2012
- Responsible for day to day sales enquiries from over 300 accounts and processing EDI orders
- Attending seasonal meetings keeping up with dated style numbers, retail price and wholesale price
- Providing administrative support to sales by preparing correspondence via email, telephone, and filing orders
- Supporting sales with shipping and production data on all products
- Once a week visiting showroom to follow up discrepancies with sales rep
- Assisting sales with production inquiries (size, color and style#) during market week, magic show and sample sale week.
- Established strong relationships with stakeholders to promote a culture of risk awareness and accountability.
- Managed a team of risk analysts, providing guidance and support to ensure accurate evaluation of potential threats to the organization.
- Developed business continuity plans, safeguarding company assets and operations during unforeseen events or crises.
Education
B.A. - CAS -
California State University of Fullerton
Child Adolescent Studies -
EDUCATION CLASSES
Skills
- Operations
- Order Management
- Goals and Performance
- Excellent Negotiation Skills
- Database Management
- Schedule Management
- Time management
Timeline
HELOC UNDERWRITER
Loandepot
06.2022 - 05.2023
SENIOR ACCOUNT MANAGER II
LOAN DEPOT
09.2019 - 04.2022
SALES/BUSINESS MANAGEMENT
DERMAL COSMETICS USA
01.2018 - 05.2019
OPERATION/ BUSINESS DEVELOPMENT
OEC SHIPPING INC
03.2012 - 12.2017
ACCOUNTING MANAGEMENT DEPARTMENT
KOO'S MANUFACTURING
03.2009 - 02.2012
B.A. - CAS -
California State University of Fullerton
Child Adolescent Studies -
EDUCATION CLASSES
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