Thy Tran

Work History

StanCorp Mortgage Investors

07.2021 - Current

Investigating, underwriting, and managing new loan origination and real estate transactions and portfolios such as purchases, refinances, long and short-term extensions, assumptions, modifications, collateral swaps, and transfers on commercial, multifamily, bridge/construction, and hotel properties
Managing risk based on lease reviews, appraisals, environmental reports, credit analysis and financial statements, borrower entity structure, operating history, subject markets, etc.
Presenting financial analysis and valuation metrics of both debt and equity investments to approval committees
Organizing due diligence and preparing loan commitments/closing documents for escrow
Coordinating with representatives of company legal counsel, mortgage brokers, title, escrow and borrowers to ensure compliance and funding schedules
Completing annual operating statement analysis to prepare and recommend stabilized net operating income, loan to value and debt coverage for existing mortgage loans
Researching and analyzing potential HTC and LIHTC investments, as well as mezzanine loans for designated funds
Leading LEAN implementation and process improvement projects, most recently involving underwriting model revamp, third party reporting procurement, and compliance reviews.

Standard Insurance, StanCorp Financial Group

12.2017 - 07.2021

Audited insurance contracts, underwriting, marketing, policy administration and billing to ensure accuracy, customer satisfaction, and compliance with state regulations
Executed quality assurance (QA) testing strategies to produce data for use in identifying improvement opportunities and making recommendations to stakeholders
Evaluated operational risk indicators to administer appropriate risk mitigation strategies
Analyzed root cause, impacts and trends of errors identified in QA review and reporting results to management
Created and implemented new audit processes per changes in business needs
Investigated and adjudicated customer disputes and appeal escalations
Led team projects in small to large-scale changes to products, software and compliance
Researching and keeping abreast of current regulatory requirements to update internal guidelines/procedures as well as external correspondence
Partnered with Information Technology, legal counsel, and external auditors with development of controls and various audit testing.

Standard Insurance, StanCorp Financial Group

12.2013 - 12.2017

Reviewed, analyzed and processed disability claims of highest complexity with respect to medical, vocational, financial and contractual factors
Delegated work and audited/approved claim decisions, claim management strategies, system data and payments recommended by less-seasoned staff
Managed several National Group Accounts (i.e. Over 5,000 employees) with Short Term Disability, Long Term Disability, Absence Management and Life insurance in Employee Benefits Department
Supported department-wide projects to improve processes such as claim decision timeliness, benefit payments, performance tracking, consolidation of applications, and data feed capabilities using LEAN methodology
Prepared monthly reporting of disability claims experience used in risk analysis, forecasting claims occurrences, annual rate renewals, plan re-design and customer retention
Provided in-class and desk-side training to junior analysts

Scottrade, Inc

02.2012 - 12.2013

Profiled and analyzed investment products to develop customized financial strategies for clients' financial needs and goals
Conducted educational seminars and one-on-one sessions on investment topics such as trading strategies, portfolio management, retirement planning, and technical analysis
Created and maintained reports involving portfolio optimizations, scenario analysis, portfolio benchmark comparisons and performance attribution
Researched markets to identify potential investment opportunities and keep abreast of news and developments that would impact holdings.