Summary
Overview
Work History
Education
Skills
Timeline
Generic
Shawn Chang

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
Shawn Chang