Kelly Le
Fountain Valley,CA
Summary
Thrives in fast-paced environments involving problem-solving,independent thinking, and thorough analysis of issues. Past experience in the financial services sector has garnered a track record of consistent top production numbers in the company within months of hire or promotion to new position.
Overview
10
10
years of professional experience
Work History
Credit Operations Analyst
Blue Bridge Financial
2023.06 - Current
- Made decisions and recommendations about extending credit.
- Operated cross-functionally with business partners, brokers and external parties on credit matters.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Cleared Stipulations in order to proceed with funding process.
Credit Analyst
Network Capital Funding
2019.06 - 2022.12
- Partner with sales to ensure mortgage applications are originated efficiently and in compliance with all regulatory requirements, especially as it pertains to Underwriting.
- Support our current certified Underwriter to make changes to loan structure.
- Perform mortgage credit analysis , with or without assistance of AUS system for any loan type, to determine borrower's willingness and ability to repay mortgage.
- Assessed credit risk and analyzed financial statements.
Mortgage Loan Originator
LoanDepot
2018.03 - 2019.05
- Recommended loan approvals and denials based on customer loan application.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Performed income calculation and review AUS findings.
- Licensed in 4 states and earned status as senior mortgage banker by proficiently and promptly structuring and pitching loans.
Loan Agent
LoanMe
2016.06 - 2018.02
- Advised clients on different small loan programs and small business loans, generated pre approvals and pitched.
- Answered telephone inquires on banking products including checking, savings, loans and lines of credit.
- Maintained account books and accounting systems with accuracy by entering data precisely.
Assistant Manager
Kitayama Newport Beach
2014.04 - 2016.08
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
- Helped with planning schedules and delegating assignments to meet coverage and service demands.
- Offered hands-on assistance to customers, assessing needs and maintaining current knowledge of consumer preferences.
- Completed regular inventory counts to verify stock levels, address discrepancies and forecast future needs.
Education
Associate - Business Administration And Management
Irvine Valley College
Irvine, CA2016
Skills
- Analytical Thinking
- Highly driven and self-motivated individual
- Attention to Detail
- Giving and Receiving Feedback
- Holistic Decision-Making
- Adaptiveness to Changing Guidelines and Paradigms
Languages
Vietnamese
Native or Bilingual
Timeline
Credit Operations Analyst
Blue Bridge Financial
2023.06 - Current
Credit Analyst
Network Capital Funding
2019.06 - 2022.12
Mortgage Loan Originator
LoanDepot
2018.03 - 2019.05
Loan Agent
LoanMe
2016.06 - 2018.02
Assistant Manager
Kitayama Newport Beach
2014.04 - 2016.08
Associate - Business Administration And Management
Irvine Valley College
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