Microsoft Excel, PowerPoint, and Word
Thy Tran
Financial Professional
Portland,OR
Summary
Reliable financial professional with three years of experience analyzing and underwriting a high volume of commercial real estate loans, including multi-family construction projects, and five years overall investment experience. Proven track record of accurate decision-making leading to high-quality investments and effective risk mitigation. Knowledgeable in loan closing procedures and real estate legal documents. Able to apply LEAN concepts to facilitate process improvements.
Overview
12
12
years of professional experience
3
3
years of post-secondary education
1
1
Certification
2
2
Languages
Work History
Mortgage Loan Analyst
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.
Quality Assurance Specialist
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.
Senior Benefits Analyst
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
Investment Consultant
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.
Education
Bachelor of Arts - Business Administration, Finance, Sociology
08.2008 - 05.2011
- Honors: Cum Laude
- Awarded Distinguished Business Student 2011
Skills
Financial forecasting
Information gathering
Financial statements expertise
Written Communication
Training and Development
Decision-Making
Problem-Solving
Critical Thinking
Accomplishments
Passed all three levels of the Chartered Financial Analyst (CFA) exams.
Certification
Chartered Realty Investor - Associate
Software
Rockport
Moody's
CoStar
Timeline
Chartered Realty Investor - Associate
02-2023
Mortgage Loan Analyst - StanCorp Mortgage Investors
07.2021 - Current
Quality Assurance Specialist - Standard Insurance, StanCorp Financial Group
12.2017 - 07.2021
Senior Benefits Analyst - Standard Insurance, StanCorp Financial Group
12.2013 - 12.2017
Investment Consultant - Scottrade, Inc
02.2012 - 12.2013
Washington State University - Bachelor of Arts, Business Administration, Finance, Sociology
08.2008 - 05.2011