Alan Ching Email & Phone Number

Westlake Village, Ca, Us

Westlake Village

Thousand Oaks

Originate residential mortgage loans including conventional, FHA, VA, CalHFA (for first-time home buyers), and jumbo. Also, handle brokered loans with portfolio lenders, banks and hard money lenders. Work with potential borrowers to identify needs, provide four pre-qualification options (including online), obtain documentation, run the credit report, run the DU or LP automated underwriting approval, and forward the file to the loan assistant to generate disclosures and order the appraisal and… Show more Originate residential mortgage loans including conventional, FHA, VA, CalHFA (for first-time home buyers), and jumbo. Also, handle brokered loans with portfolio lenders, banks and hard money lenders. Work with potential borrowers to identify needs, provide four pre-qualification options (including online), obtain documentation, run the credit report, run the DU or LP automated underwriting approval, and forward the file to the loan assistant to generate disclosures and order the appraisal and title.• Designated as the in-house lender for Century 21 Troop Real Estate in Westlake Village and Thousand Oaks – develop relationships with Troop agents/brokers, and provide excellent service to obtain new referrals and retain existing relationships.• Work with home builders as the preferred lender and pre-qualify borrowers for purchase as required by contract; the builder provides incentives to the borrowers.• Excellent at understanding underwriting guidelines and structuring the loan file by identifying and overcoming potential issues and obtaining required information and documentation – i.e., adding co-signers, paying off debt, cleaning credit to improve FICO scores, and selecting the appropriate investor.• Provide back-up to other lenders who have been unable to close loans within their underwriting guidelines. Show less

Thousand Oaks

• Achieved President’s Club twice by earning $150k+ in commissions in a given year.• Worked with builders, CPAs, financial planners and real estate agents / brokers.• Performed marketing via newsletters and email marketing.

Ventura

Recruited, hired, trained and managed a highly successful team including a loan officer, an assistant and an underwriter that originated loans for 15+ Standard Pacific new home projects in Ventura County and Bakersfield. Also, directly produced loans. Reported status to the builder on a weekly basis, and requested assistance as needed. Managed and monitored the branch P&L.• Ensured that projects were VA, FHA and Fannie Mae approved; partnered with a consultant to gather the required… Show more Recruited, hired, trained and managed a highly successful team including a loan officer, an assistant and an underwriter that originated loans for 15+ Standard Pacific new home projects in Ventura County and Bakersfield. Also, directly produced loans. Reported status to the builder on a weekly basis, and requested assistance as needed. Managed and monitored the branch P&L.• Ensured that projects were VA, FHA and Fannie Mae approved; partnered with a consultant to gather the required documentation for submission to the agencies, and consulted with builders to reduce the number of homes per BRE phases to close new sales more quickly.• Recommended (to the builder), negotiated and set up with the State of California a $3MM grant (The BEGINS Funds) for first-time home buyers and forwarded take out commitments.• Assumed responsibility for a failing branch, and achieved #1 branch for capture rate, customer service, and per loan profit margin.• California Broker of Record for Standard Pacific Mortgage for 1+ year. Show less

Originated mortgage loans similar to above, including new home financing. Had two dedicated full-time assistants and a processor to handle a large loan pipeline.• Consistently ranked #1 or #2 in loan production.• Achieved “Mortgage Originators Magazine’s” Top 200 Originators in Nation in 1999.• Primary loan officer for a 700 home subdivision - New Urban West Inc. - Long Canyon Development in Simi Valley.

Bachelor Of Science (Bs) Business Administration Marketing, Marketing

High School Diploma, General Education