Ying Cai
Kirkland
Summary
Dynamic Senior Loan Officer with extensive experience at E Mortgage Capital, Inc., excelling in residential loan origination and client account management. Proven track record in evaluating creditworthiness and enhancing customer relationships, leading to improved retention and satisfaction. Licensed in WA and CA, I leverage strong analytical skills and effective communication to drive results.
Overview
6
6
years of professional experience
Work History
Senior Loan Officer
E Mortgage Capital, Inc.
Santa Ana
01.2024 - Current
- Originated residential loans for both home purchase and refinance.
- Evaluated loan applications and assessed borrower creditworthiness.
- Facilitated effective communication between clients, realtors and underwriting/closing teams.
- Educated customers on various loan products to support informed decision-making.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Mortgage Loan Officer
Flyhomes Mortgage LLC
Seattle
06.2021 - 12.2023
- Developed and managed a portfolio of customer relationships to enhance retention.
- Originated loans and assessed applications by analyzing customer financial information.
- Collaborated with underwriters, processors, and third parties to resolve loan conditions promptly.
- Supported brokerage team in building relationships for improved customer experience.
Premier Relationship Banker
HSBC Bank
08.2019 - 06.2021
- Developed and cultivated lucrative relationships with clients to understand their needs, evaluate current product use, and provide personalized service.
- Achieved goals for the sale of bank products and services, and exceeded performance metrics for customer service.
- Collaborated with branch-based financial advisors and loan officers to serve clients with a high level of expertise.
- Performed the duty as a banker in charge when the branch manager is absent.
Education
Master of Science - Finance
Seattle University
WA, USA03.2019
Skills
- Residential loan origination
- Licensed in WA and CA
- Loan application review
- Credit and finance evaluation
- Underwriting support
- Client account management
Languages
- Chinese
- English
Timeline
Senior Loan Officer
E Mortgage Capital, Inc.
01.2024 - Current
Mortgage Loan Officer
Flyhomes Mortgage LLC
06.2021 - 12.2023
Premier Relationship Banker
HSBC Bank
08.2019 - 06.2021
Master of Science - Finance
Seattle University