David Liu Email & Phone Number

• Analyzing the financial strength of the borrower/guarantor to determine creditworthiness and financial stability; includes reviewing of real estate assets owned by the borrower/ guarantor.• Analyze property operations including all historical revenues, expense and capital expenditures as well as future projections to support the ongoing economic viability of the property and loan. The analysis includes comparison of the financial components of the property to industry standards for properties of similar type and size. Abstracting material leases in order to assess the leases and how it contributes to the economics of the transaction. Assessing adequacy budget and contractor strength for proposed construction loans.• Requesting market analysis as necessary and initiate process for ordering third party appraisals. Review market analysis and appraisal to determine if the report accurately reflects the underwriter's knowledge of the property's operations and market position, as well as reconciling any differences.• Prepare credit commitment reports for loan approval for all commercial real estate transactions, ensuring compliance with bank policies and noting and justifying any exceptions to policy.• Interacts with customers for income property loans and assists in developing new business opportunities and in enhancing existing relationships.

• Co-Founder of the LLC and Managed a team of 4.• Administer daily activities for the company; pricing and submitting on average of 4 loan applications (1003) with appropriate lenders, processing files, clearing conditions for every transaction per month.• Expedite the loan process as a liaison between underwriting, funding, and the account executive; ensure conditions were reviewed within 24 hours of receipt. Complete a variety of forms for loan closing including the closing package. • Implementing marketing strategy to increase loan application by forming a Publishing Company, Option Publishing LLC.• Published 300 real estate magazines over 20 pages and distributed through out Queens and Long Island area on a monthly basis.

• Underwrote on average $125 million in volume on a monthly basis; successfully worked in a team atmosphere with other mortgage underwriters, account managers, and funders to meet monthly goals while providing excellent customer service to ensure quick and accurate approvals.• Funded estimated of $750 million during the course as a “Funder” and increase the funding process by 25% by implementing new funding procedure.• Reviewed and Documented on average of 25 files on a daily basis for Underwriter to analyze, and preparing Banking documents to be submitted to Account Officers for loan closings.• Performed a complete analysis of all documents in file, including but not limited to application, all loan documents, credit review, income cash flow, title and appraisal in order to render a decision in accordance with Argent guidelines and standards for quality, risk, and profitability.

• Re-evaluated the mortgage closing statement & ensured the mortgagor’s files are in proper order.• Audited the Housing Urban Development Statements (HUD).