Thanh Huynh
H&L Lending LLC
ST CLOUD
5
years of professional experience
1
Certification
Results-driven mortgage professional with 5+ years of experience as a Loan Officer and Real Estate Agent, seeking to continue growing in a Loan Officer role. Proven ability to originate, structure, and close residential loans while delivering exceptional client service. Strong expertise in borrower qualification, loan products, and regulatory compliance, with a track record of building lasting relationships and generating repeat and referral business.
Work History
Real Estate Agent
4 Years 6 Months- In the market for 3 years with more than 4M+ closings.
- Have a deep understanding of real estate transactions, market trends, and property valuations, which are very relevant for underwriting.
Loan Officer
5 Years 10 Months- Originated and managed over 400 residential loan applications, including FHA, VA, and conventional loans.
- Conducted initial borrower assessments to determine loan eligibility, DTI, LTV ratios, and creditworthiness.
- Collaborated closely with underwriters to gather and submit required documentation and resolve conditions.
- Provided pre-approvals based on standard underwriting guidelines and ensured compliance with all lending regulations.
- Maintained up-to-date knowledge of changing lending laws and investor requirements.
- Built strong client relationships, resulting in a 90% satisfaction rating and consistent referrals.
- Reduced loan processing times by streamlining borrower document collection.
- Regularly consulted on borderline files to help improve approval rates.
- Mentored 2 junior loan officers on guidelines and pre-qualification processes.
Education
Bachelor of Science - Finance
Skills
Loan Document Review
Income & Credit Analysis
DU/LP/AUS Familiarity
Pre-Underwriting Assessments
Knowledge of FHA/VA/Conventional Guidelines
Customer Relationship Management
Regulatory Compliance
Strong Communication & Teamwork
Proficiency: Calyx Point
Proficiency: Microsoft Office
Certification
- NMLS - MLO#2155753
- DBPR - RE license#3547929
Languages
English
Full Professional
Vietnamese
Native/ Bilingual
Timeline
Real Estate Agent
MARVIEW INTERNATIONAL REALTY
05.2022 - CurrentRead More
Loan Officer
H&L Lending LLC
01.2021 - CurrentRead More
UMBC
Bachelor of Science from Finance
Read More