Tina Kline
Portland,OR
Summary
Results-driven mortgage operations professional with 10+ years of experience in loan processing, underwriting, compliance, and team leadership. Proven expertise in TRID, Reg Z/B/C, HMDA, and secondary market operations. Adept in managing high-volume pipelines (60–90 loans), training new team members, and optimizing workflows to ensure on-time closings. Highly skilled in Encompass (Admin), Calyx Point, QuestSoft, and regulatory reporting.
Overview
21
21
years of professional experience
Work History
Team Lead, Sr. Loan Processor
East West Bank
Remote, CA
08.2020 - 03.2025
- Manage pipelines average 60-90 loans while training new team members
- Ensure compliance with TRID and federal regulations; issue initial disclosures and CDs within deadlines.
- Coordinate with borrowers, escrow, title, agents, and loan officers to avoid delays.
- Handle multi-state processing (NY, GA, MA, CA, TX, WA, NV).
- Oversee loan lifecycle to ensure timely closing and funding.
Mortgage Operation Officer & Underwriter
First Commercial Bank (USA)
Chino Hills, CA
07.2019 - 08.2020
- Reviewed LE/CD disclosures, performed QC, and maintained compliance with TRID and HMDA.
- Underwrote, issued loan decisions, and managed the secondary market sales (e.g., Flagstar, FGMC).
- Super Admin for Encompass and QuestSoft; created business rules and set user permissions.
- Generated HMDA LAR and compliance reports; worked with FDIC and internal auditors.
- Trained new employees and participated in quarterly MGIC/compliance workshops.
Underwriter & Encompass Admin
American Continental Bank
City of Industry, CA
09.2018 - 07.2019
- Evaluated full loan files, cleared conditions, and prepared files for final approval and closing.
- Managed disclosures, compliance reviews, and post-closing documentation.
- Partnered with Ellie Mae to design and implement loan workflow enhancements, hard stops, and custom forms.
Loan Processor
East West Bank
El Monte, CA
07.2013 - 08.2013
- Processed residential loans, gathered conditions, and prepared submissions for underwriting.
- Reviewed appraisals, credit, and assets; collaborated with title/escrow to resolve issues.
- Coordinated with internal loan doc and funding teams for smooth closings.
Loan Processor
Home Loan Mortgage
West Covina, CA
12.2012 - 07.2013
- Handled loan packaging from pre-approval to funding; input files into Encompass.
- Reviewed W-2s, tax returns, and payroll documentation for income verification.
- Ordered appraisals, credit, and title; ensured full compliance before submission.
Relationship Manager
AMG Media Group
City of Industry
11.2011 - 12.2012
- Managed a large portfolio of B2B clients, building and nurturing long-term partnerships across multiple industries.
- Generated new business through outbound outreach, referrals, and follow-ups—consistently exceeding monthly sales targets.
- Closed high-value deals by identifying client needs, presenting tailored media and marketing solutions, and negotiating contracts.
- Organized and led trade show events in multiple states, increasing brand visibility and lead conversion by over 30%.
- Developed custom media packages and pricing strategies to maximize revenue and client satisfaction.
- Collaborated closely with design, marketing, and production teams to ensure timely delivery and campaign success.
- Maintained CRM records, tracked sales activities, and produced weekly pipeline and performance reports for leadership.
Assistant Loan Processor
Amax Financial
San Gabriel, CA
12.2010 - 11.2011
- Handled paperwork for loan submission and incoming phone calls
- Ordered appraisals
- Pull FHA, VA, and credit reports to run DU
- Order Appraisal/Title and responsible for clearing out Title and Appraisal conditions
- Gather outstanding conditions, responsible for clearing conditions, and prepare for funding
- Calculate income and prepare all Approvals, denials, and conditions
Marketing Sales
Hostel Bookers (Internship in London)
03.2009 - 06.2009
- Established friendly and professional atmosphere
- Promoted attentive customer service and respect for co-workers
- Handled phone calls from different hotels in the world
- Researched customers, offered suggestions and answered questions
Manager Assistant
Master Craft Furniture Company
01.2005 - 01.2008
- Achieved an average monthly sales volume of $40,000 through proactive customer engagement and product knowledge.
- Delivered exceptional customer service, helping clients select custom furniture solutions.
- Organized and coordinated in-store promotions to boost traffic and sales.
- Managed office operations, maintained inventory records, and handled incoming customer inquiries and calls.
- Oversaw office supplies and assisted in daily administrative tasks.
- Monthly Sales Average of $40,000
Office Assistant
Allstate Insurance
01.2004 - 01.2005
- Conducted cold and door-to-door sales outreach to build new client relationships.
- Provided excellent customer service, assisting clients with policy questions and renewals.
- Managed client documents, maintained records, and processed paperwork for new and existing policies.
- Assisted agents with accident reports, claims documentation, and follow-ups.
Education
Bachelor - International Business & Marketing
California State University of Pomona
01.2009
Skills
- Software: Encompass (Super Admin), Calyx Point, QuestSoft, Microsoft Office Suite (Word, Excel, Outlook, Access, PowerPoint), Microsoft Teams, NetMeeting
- Regulations: TRID, Reg Z, Reg B, Reg C, HMDA
- Processes: Loan Disclosure (LE, CD), QC Reviews, Compliance Audits, Secondary Market Sales, CRA Loan Evaluations
Languages
Chinese (Mandarin)
Native or Bilingual
English
Full Professional
Timeline
Team Lead, Sr. Loan Processor
East West Bank
08.2020 - 03.2025
Mortgage Operation Officer & Underwriter
First Commercial Bank (USA)
07.2019 - 08.2020
Underwriter & Encompass Admin
American Continental Bank
09.2018 - 07.2019
Loan Processor
East West Bank
07.2013 - 08.2013
Loan Processor
Home Loan Mortgage
12.2012 - 07.2013
Relationship Manager
AMG Media Group
11.2011 - 12.2012
Assistant Loan Processor
Amax Financial
12.2010 - 11.2011
Marketing Sales
Hostel Bookers (Internship in London)
03.2009 - 06.2009
Manager Assistant
Master Craft Furniture Company
01.2005 - 01.2008
Office Assistant
Allstate Insurance
01.2004 - 01.2005
Bachelor - International Business & Marketing
California State University of Pomona