May Kwan Email & Phone Number

Glendora, Ca, Us

El Monte, Ca

Oversee mortgage department. Develop strategic plans which aim at achieving business goals while aligning with the Bank's culture and values.

El Monte, Ca

In charge of the closing/funding team. Ensured full compliance to TRID rules and all applicable regulations. Maintained quality and timely funding. Continued to manage a team of underwriters to perform day-to-day underwriting functions to ensure accurate loan decisions were rendered in a timely manner.

El Monte, Ca

Managed a team of underwriters to perform day-to-day underwriting functions to ensure efficient pipeline management and quality credit decision. Provided up to date communication to the team members on guideline changes, current regulations, and industry trends. Acted as a mentor for new underwriters. Assisted with second level reviews. Resolved escalations on individual loans or issues on a daily basis. Served as main contact for underwriting questions and scenarios from Mortgage Loan Originators. Worked closely with Mortgage Operations Manager and other Team Leads to develop and maintain Departmental policies and procedures.

Irvine, Ca, Usa

Supervised underwriting and processing staff. Underwrote jumbo, conventional, and government loans. Monitored production pipeline. 2nd sign for complicated loan decision and appraisal review. Assised loan officers in understanding loan programs and qualifying loan applications. Conducted training in underwriting and loan products. Built product matrices and analyze underwriting guides. Established Operations and credit policies and procedures. Enhanced production performance. Enforced best practices in loan production. Contributed to the improvement of overall loan quality and the reduction in pre-purchase suspense ratio.

Irvine, Ca

Involved in the establishment of a start-up retail operation. Oversaw pre-funding and post-closing quality control review and reporting. Ensured that loans comply with State and Federal regulations, GSE’s and investors’ guidelines, investor’s overlays, and company’s policies and procedures. Complied QC reports and identified deficiency trends. Reviewed findings with perspective departments and staff to ensure swift corrective actions would be taken and adequate control would be built to address the deficiencies. Managed appraisal review department. Implemented fraud prevention/detection programs and training. Established policies and procedures for Risk Management, Quality Assurance and Quality Control. Assured the functionality and effectiveness of audit tools and resources. Served as a support administrator for the loan origination system, Ellie Mae Encompass. Involved in system configuration and testing, input and output forms building, work flow design and business rules establishment. Acted as a liaison between the company and business partners e.g. warehouse banks and investors, in due diligence reviews and quality assurance.

Pasadena, Ca

Provided feedbacks and corrective actions to monthly internal Quality Control Audits. Performed repurchase analysis and seller quality assurance reviews. Made recommendations on seller actions and third party recourses e.g. title claim. Analyzed investor repurchase demands and provided rebuttals. Carried out fraud investigation which had successfully assisted the company in recovering a potential loss of $10MM. Provided findings and supports for risk management, debt recovery, loan resolution, loss mitigation, and special assets management. Cured credit deficiencies found in due diligence reviews performed by investors, Government agencies and Mortgage Insurance companies. Provided materials, trend reports, and case studies for employee training in loan quality. Coordinated audit projects subcontracted to outside vendors and consultants. Worked closely with appraisal department in issues related to valuation and fraud.

Orange, Ca

Played an integral part in building a start-up wholesale lending operation. Involved in staffing, budgeting, system and work flow design, system testing, policies and procedures establishment, credit analysis, underwriting, and guidelines formulation. Trained new hires in the areas of loan set-up, underwriting, loan document drawing, APR fee calculation, funding, shipping, and collateral control. In charge of Quality Control Department. Ensured loans were meeting investors’ requirements, in accordance with company’s policies and procedures and in compliance with all applicable federal and state regulations. Managed QC sampling, auditing, and reporting. Ensured that QC reports, feedback, and corrective actions were provided to management in a timely manner. Provided training for Operation Teams, Account Managers, and Underwriters on mortgage fraud detection and quality lending practices.Oversaw Investor Due Diligence Reviews. Ensured a smooth work flow in regards to file delivery; exceptions clearance, and data reconciliation. Conducted exit meetings with investors. Worked closely with Secondary Market to ensure the goals of pull through rate and the schedules for securitization and whole loan trade were met. Provided data and trend reports to facilitate business analysis, loan decision-making, procedural improvement, strategic planning, and performance evaluation. Built Quality Control Department & Investor Relations Department in 3 months Established policies and procedures for the departments Participated in the successful design and implementation of Cogent, a QC Application System  Involved in the building and testing of new loan products in Empower, a loan origination system Provided support and opinion on system enhancement projects

Pasadena, Ca

Responsible for loan set-up, credit analysis, underwriting, loan documents preparation, clearing loan stipulations, escrow and funding. Signed off loan approval and loan stipulations. Coordinated funding for 6 branches at time of month end. Ensured branch operation was in compliance with federal and state regulations. Provided training to new account executives and loan coordinators.