Fang Liu
Summary
Organized, client-focused, and self motivated Mortgage Specialist with 8 years of experience in the mortgage industry, brings a track record of success providing lending advice and ensure compliance with industry regulations. Top 10% national performer with loyal client base and referral source,
Overview
11
11
years of professional experience
1
1
Certification
Work History
Mortgage Specialist
RBC
06.2018 - Current
- Evaluate mortgage applications, review financial documents, and assess creditworthiness.
- Provide personalized mortgage solutions to clients based on their financial goals and needs.
- Guide clients through the mortgage application process, explaining terms, rates, and fees.
- Collaborate with underwriters to ensure accurate and complete documentation for loan approval.
- Maintain up-to-date knowledge of industry regulations and compliance standards.
- Achieved Annual top 10% achievement award across country
Mortgage Advisor
CIBC
11.2015 - 06.2018
- Developed and maintained relationships with customers, real estate agents, builders and referral partners
- Conducted thorough pre-qualification Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications, addressing concerns and answering questions
- CIBC Bronze Award winner 2017
Loan Operations Officer
CIBC
05.2012 - 10.2015
- Processed day-to-day regular US large corporate loans accurately and independently within strict time limitations following established procedures.
- Processed all monthly and quarterly credit charge and fees on client's accounts as required to ensure accuracy
- Investigated and analyzed discrepancy of payment, reconciled the fee payments by liaise with the Credit Risk Analyst and agent banks representatives.
- Collaborated with other team members and departments by helping with urgent client requests, investigate transaction history when completing complicated deals.
Education
Master of Science - Finance
Concordia University
Montreal, QC06.2007
Skills
- Bilingual – Fluency in: English and Mandarin
- Mortgage products and underwriting guidelines
- Financial analysis and credit evaluation
- Client relationship management
- Regulatory compliance
- Strong communication and negotiation skills
Certification
Canadian Investment Manager (CIM)
Canadian Securities Course (CSC)
Timeline
Mortgage Specialist
RBC
06.2018 - Current
Mortgage Advisor
CIBC
11.2015 - 06.2018
Loan Operations Officer
CIBC
05.2012 - 10.2015
Master of Science - Finance
Concordia University
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