Summary
Overview
Work History
Education
Skills
Certification
Timeline
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Ruby Tamchai

Summary

Talented Secured Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

3
3
years of professional experience
1
1
Certification

Work History

Sales Associate

Tommy Bahama
10.2023 - Current
  • Increased sales revenue by building strong rapport with customers and recommending appropriate products based on their needs.
  • Boosted customer satisfaction levels through exceptional service, addressing concerns promptly, and providing a welcoming store environment.
  • Developed new client relationships by actively engaging with potential customers and highlighting the benefits of our product offerings.
  • Achieved monthly sales targets consistently by implementing effective sales strategies and maintaining a high level of product knowledge.

Secured & Unsecured Loan Underwriting Officer

Easyfinancial Services Inc.
07.2021 - 04.2023
  • Thoroughly review property valuation, appraisal documents, LTV ratios, title liens, mortgage statements, property taxes, and employment statuses, providing well-justified decisions and exceptions as needed.
  • Assess and analyze loan applications, including credit reports, financial histories, and credit risk inquiries, meticulously validating income, paystubs, and credit ratings to inform loan administration decisions and secure loan approvals up to $100,000.
  • Provide branch managers with solid justifications for loan administration decisions and offer comprehensive responses to sales staff inquiries, ensuring transparency in the decision-making process for internal and external stakeholders.
  • Detect and report fraudulent documents during the analysis phase, maintaining the integrity of the loan evaluation process and safeguarding against fraudulent practices.


Administrative Assistant

Nadia Let Dress Making & Alteration Shop
08.2020 - 07.2021
  • Maintain clear and responsive communication with customers through various channels (phone, email, in-person, etc.), provide accurate and helpful information to address customer inquiries and resolve issues promptly.
  • Efficiently handle general office tasks, including social media management, message delivery, customer greetings, and inquiries.
  • Actively collaborate with tailors, the store manager, and the owner to assist in diverse business operations for smooth functioning.
  • Provide consistent, exceptional administrative support to optimize office operations and maintain high standards of excellence.

Education

Bachelor of Arts - Bachelor of Arts in English

IIS-Ramkhamhaeng University
Bankok, Thailand
10.2014

Skills

  • Analytical skills
  • Collateral evaluation
  • Team collaboration
  • Attention to detail
  • Underwriting guidelines
  • Credit evaluation
  • Strong communication
  • Documentation review
  • Office administration
  • Sales expertise
  • Retail store operations
  • Excellent people skills

Certification

REMIC Certified Mortgage Agent Course (RMAC) — 07/2023 Certificate Number: Y1Zsc05WQlZl

Timeline

Sales Associate

Tommy Bahama
10.2023 - Current

Secured & Unsecured Loan Underwriting Officer

Easyfinancial Services Inc.
07.2021 - 04.2023

Administrative Assistant

Nadia Let Dress Making & Alteration Shop
08.2020 - 07.2021

Bachelor of Arts - Bachelor of Arts in English

IIS-Ramkhamhaeng University

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Ruby Tamchai