Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
References
Timeline
Generic

Yvonne Pham

Tracy,CA

Summary

Detail-oriented Mortgage Loan Officer with 20 years of residential lending experience. Adept at planning and working with clients for long periods of time. Committed to accuracy and financial success. Specialties include construction to permanent financing, foreign national financing, and medical professional financing.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Mortgage Loan Officer

PNC Bank
Walnut Creek, CA
10.2011 - Current
  • Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
  • Conducted interviews with prospective clients to gather information regarding loan applications.
  • Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
  • Ensured compliance with all federal, state and local regulations related to mortgage lending.
  • Negotiated terms and conditions of loan agreements with borrowers.
  • Maintained current knowledge of secondary market trends, government programs and other available financing sources.
  • Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
  • Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
  • Resolved borrower complaints in a timely manner while providing excellent customer service.
  • Monitored customer accounts throughout the life cycle of each loan transaction.
  • Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
  • Educated customers on various aspects of mortgage financing options available.
  • Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
  • Developed and maintained relationships with local real estate agents.

Real Estate Sales Trainer

PNC Bank
Stockton, CA
01.2010 - 09.2011
  • Designed and developed training materials for new employees in the organization.
  • Provided feedback on employee performance based on observed results during training sessions.
  • Organized and facilitated classroom workshops, webinars, and one-on-one coaching sessions.
  • Created multimedia presentations using PowerPoint, video conferencing tools, and other software applications.

Financial Center Manager

PNC Bank
Tracy, CA
07.2007 - 12.2009
  • Responsible for developing and implementing strategies to maximize financial center profitability.
  • Managed the daily operations of a financial center, including staffing, customer service, sales and marketing activities.
  • Ensured compliance with all applicable laws, regulations and policies related to banking operations.
  • Provided guidance and leadership to financial center staff in order to ensure adherence to established procedures and standards.
  • Developed long-term relationships with customers through proactive outreach efforts such as seminars and promotional events.
  • Performed regular audits of branch records in order to identify areas of improvement or potential risks.
  • Conducted performance reviews for branch personnel in order to assess individual contributions and provide feedback on areas requiring further development.
  • Resolved customer complaints in a timely manner while maintaining a high level of professionalism.
  • Engaged in business development activities such as cold calling prospective clients, attending networking events., in order to increase customer base.
  • Assisted customers with their banking needs, including opening accounts, setting up transfers between accounts.

Education

Finance

San Jose State University
San Jose, CA

Business Administration

De Anza College
Cupertino, CA

Skills

  • Relationship selling
  • Credit evaluation
  • Financial Analysis
  • Sales Development

Accomplishments

  • PNC Market All-Star
  • PInnacle Leaders Club

Certification

  • Construction/Renovation Certification

References

References available upon request.

Timeline

Mortgage Loan Officer

PNC Bank
10.2011 - Current

Real Estate Sales Trainer

PNC Bank
01.2010 - 09.2011

Financial Center Manager

PNC Bank
07.2007 - 12.2009

Finance

San Jose State University

Business Administration

De Anza College

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Yvonne Pham