Stephen Chiu
Irvine,CA
Summary
Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
24
24
years of professional experience
Work History
Loan Originator
Prime Choice Funding
05.2018 - 08.2023
- Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs.
- Interviewed applicants to assess loan requirements before suggesting offers.
- Prepared documents for customers, submitting and overseeing through each step of closing process.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Maintained strict confidentiality of bank records and client information.
- Developed strong relationships with customers through high levels of customer service.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Senior Processor
Prime Choice Funding
12.2014 - 05.2018
- Received and reviewed incoming documents and materials.
- Maintained accurate records to process and prepare loan documents.
- Entered data into computer tracking system and filed paperwork according to procedures.
- Organized and prepared loan documents for signing.
- Used problem-solving and issue-resolution skills to promptly and successfully address problems with loan applications.
- Communicated with clients throughout the loan process from application to loan funding.
Loan Officer
Banc Of California
02.2014 - 12.2014
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Maintained strict confidentiality of bank records and client information.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Loan Officer
Pacific Mercantile Bank
01.2012 - 02.2014
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Assisted customers with completing loan applications and other paperwork.
- Negotiated loan terms and conditions with customers to secure best deal.
Loan Officer
Bank Of America
01.2010 - 12.2011
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Negotiated loan terms and conditions with customers to secure best deal.
Loan Officer
Wachovia Bank
06.2008 - 12.2009
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Assisted customers with completing loan applications and other paperwork.
Loan Officer
Washington Mutual Bank
10.1999 - 05.2008
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Collaborated with other departments to promptly process loan applications.
- Negotiated loan terms and conditions with customers to secure best deal.
- Monitored pipelines to track and log status of loans.
Education
Bachelor of Science - Finance
California State University, Long Beach
Long Beach, CA05.1995
Skills
- Oral and Written Comprehension
- Principal, Interest and Payment Calculation
- FHA Loan Processes
- Customer Transactions
- Sales Expertise
- Document Analysis
- Originating Home Loans
- Active Listening
- Bank Secrecy Act
- Reading Comprehension
Timeline
Loan Originator
Prime Choice Funding
05.2018 - 08.2023
Senior Processor
Prime Choice Funding
12.2014 - 05.2018
Loan Officer
Banc Of California
02.2014 - 12.2014
Loan Officer
Pacific Mercantile Bank
01.2012 - 02.2014
Loan Officer
Bank Of America
01.2010 - 12.2011
Loan Officer
Wachovia Bank
06.2008 - 12.2009
Loan Officer
Washington Mutual Bank
10.1999 - 05.2008
Bachelor of Science - Finance
California State University, Long Beach
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