Philip Chan Email & Phone Number

Jersey City, NJ, US

New York, New York, United States

New York, New York, United States

• Led a team of three Associates and six Junior Associates that worked directly with clients to guide prospective homebuyers through the home buying process and secure mortgage loan financing; ranked in the top quartile.
• Evaluated pay stubs, credit history, tax information and bank statements for financial status serving as subject matter expert to consult with first time home buyers for purchase, refinance, home equity and debt.
• Analyzed client credit reports, acquired necessary documentation required by the loan processor and then submitted to the lending underwriter for review and resolution of any issues with underwriter requirements.
• Managed full sales cycle for over 400 loan applications across nine states with loan sizes ranging from $50K - $1.5M while serving as the main point of contact for clients; maintained a top 10% percentile in locks and.
• Project managed the application processing with a team of appraisal, title, inspection, insurance, underwriting and valuation team coordinators to ensure accurate and timely closings, driving customer satisfaction.
• Recommended loan approvals and denials based on customer loan application reviews; facilitated business growth by prioritizing outreach and nurturing of existing passive clients.

• Started position with no industry experience and passed the Mortgage Loan Originator (MLO), Nationwide Multistate Licensing System & Registry (NMLS) exam on first try while maintaining strong performance.
• Managed over 50 loan applications in post-sale loan cycle stages and achieved top 10% percentile ranking in loan conversion.
• Supported the sales/underwriting teams by determining creditworthiness of borrowers, calculating qualifying ratios, analyzing borrower income and expense data, self-employment documentation, credit reports and property.
• Established seamless hand-off processes from sales team to minimize cycle time, drive client satisfaction and encourage retention.

New York, New York

Manage and oversee housekeeping and engineering departments consisting of a total of 20 team membersMaintain communication between all departmentsInspect hotel space and guest rooms to ensure company standards are met dailyBudget and forecast hours/staffing/scheduling as well as supplies and amenities to fit monthly budget and increase revenueTrack.

- Manage and accommodate service requests or complaints from guests, while upholding the commitment to hospitality- Maintaining updated information on room availability, reservations, and guests messages.- Elected as the Union Delegate to represent the Front Office team members - Trains all incoming new hires- Maintains working relationships and.

Newark, NJ

- Meet and greet customers - Assist passengers with any questions or requests at ticket counter and gate area- Provide excellent customer service as well as efficiency during check in and boarding of planes

5th Ave New York, NY

- Maintained the inventory of the store in stock room and sales floor- Assisted sales associates with retrieving items for customers - Attended to the fitting room and maintained the quality of the clothing via steaming and folding- Processed shipments and sent out transfers to the warehouse or other stores- Hand-delivered purchased items to VIP customers

Bachelor'S Degree, Economics

Education record