Tessa Chang Email & Phone Number

Irvine, Ca

Primary duty is to perform necessary credit analysis, due diligence, and review of documents for new commercial real estate transactions with emphasis on multifamily and commercial real estate lending. Possess good credit, market, lending and transaction knowledge and analytical abilities. Able to manage moderately complex transactions to completion with minimal guidance from immediate manager.Underwrite routine credit facilities with minimal oversight, including analyzing and underwriting the sponsor, guarantor, and the collateral in a manner which achieves the Banks profitability goals while staying within the Banks risk parameters.Analyze financial data related to new and renewal loan requests, including multifamily and commercial real estate loans.Identify potential risks and/or problems and understands the big picture implications.Provide recommendations for discussion with the Underwriting Manager and Credit Administrator.Prepare summary and/or credit memorandum documenting credit analysis and supporting information for credit decision recommendations.Multitask to provide support to the Underwriting Manager/Credit Administrator, as necessary.Perform site due diligence, as applicable.Partner with Portfolio Management to proactively manage the loan portfolio to identify and address problems to produce timely risk rating changes, as well as, timely updates to client relationship exposures, as appropriate.

Irvine, Ca

Support regional credit teams and commercial relationship managers by providing objectivity and a risk management focus and the support needed to grow commercial relationships. Primary duties include ensuring new and renewed credits are properly analyzed, credit files are in compliance with policy, and the commercial lending process is completed.Responsible for adherence to all compliance program, including but not limited to, completion of all required and assigned training modules by establishing due dates.Comply with requirements of all laws and regulations applicable to position. Provide support of underwriting and verification of risk-assessment analysis on credit request packages to be submitted for co-approval or approved by Relationship Managers. Ensure packages are complete, accurate, and adhere to Opus Bank policy.Support the Senior Credit Officer in the administration of the business portfolio of the Region in order to achieve the desired results of quality, profitability, and growth.Monitor proper use of single loan authority, execution of risk grading tool, appraisal order process, and all other components established for the commercial lending process.Inspect credit files and loan systems information to ensure accuracy and data integrity.Participate in the regional loan review process through preparing complete and accurate packages that adhere to Opus Bank policy. Take ownership of actions agreed upon in regional loan review committee to ensure actions are executed.Keep abreast of changing business and economic developments which impact the loan portfolio, its profitability, and banking in general.

Irvine, Ca

Provided support of underwriting and verification of risk-assessment analysis on credit request packages, up to $25MM, specific to commercial real estate and business banking.Monitored proper use of single loan authority, execution of risk grading grid, appraisal order process, and all other components established for the assigned business unit.Participated in Problem Loan Reporting. Ensured actions agreed upon in problem loan meetings are executed.Analytical support to the Special Credit Officers and management as necessary for normal and special projects.Presented technical advice and assistance to Special Credit Loan Officer.Analyzed and recommended loans that meet the Bank’s standards. Delivered special project resolution for benefit of the company as well as the borrower.

Tustin, Ca

Responsible for prudent lending while balancing the needs of Members with the needs of the organization.Reviewed, analyzed, and decisioned consumer loan requests on products such as personal lines of credit, credit cards, unsecured loans, automobiles, recreational vehicles, boats, and motorcycles.Evaluated and verified loan applications and credit criteria and recommended counter offers as appropriate. Reviewed and interpreted financial statements, tax returns, credit reports, applicable ratios and other supporting documentation.Maintained updated knowledge in consumer lending regulations.Ability to make high quality loans within consumer loan policy, credit granting criteria, interest rates and how they are computed, and required documentation for each type of loan. This includes the judgement to apply broader aspects of established practices to situations, which go beyond clear, concise guidelines.Applied intermediate mathematical skills including calculations and concepts involving decimals, percentages, and fractions.

Costa Mesa, Ca

Retained specific knowledge of financial products, consumer loans, and services to Members.Worked closely with management to lead and assist team members.Completed projects and reports related to the branch, such as: product promotion, individual product ratio success of each team member, delivering successful advocacy reports where one is able to improve the financial lives of Members.Performed advanced research on accounts; identify and correct Member accounts matters, such as fraud, disputes, and/or general concerns.Responsible for Membership acquisition and retention; primary point of contact for product and operation inquiries and concerns.Acquired and funded 5-8 consumer loans (personal, auto, credit cards) per day through effective advising.Ensured accuracy of funded consumer loan documents for auditing.Assisted in home equity loans and lines of credit closing and signings.Provided personal and consultative service to Members, by assessing the Members' financial needs, concerns and finding a beneficial solution.Served as a Notary Public.

Costa Mesa, Ca

Conducted loan interviews and counsel loan applicants. Obtained and evaluated credit reports according to loan policy.Accurately and promptly processed all types of Credit Union loans (personal, auto, andlines of credit). Opened certificate and IRA accounts and handle renewals when neededEnsured that loan policies, procedures, services and products meet Credit Union standards. Maintained up-to-date knowledge of competitor's rates, terms, etc. as well as internal trends relating to lending and provide.Implemented new loan products and services in accordance with management direction.Provided advice and assistance to members on budget counseling, consolidations, loan extensions, payment methods and other areas relating to members' financial needs.Adhered to and upheld all written policies and procedures of the credit union, including BSA/CIP and OFAC monitoring and reporting, security operation and personnel policies.Served as a Notary Public.

Irvine, Ca

Primary function to acquire, retain, and deepen customer relationships. Assisted 20-35 customers daily with day to day banking, fraudulent activities, and system maintenance. Cold-calling; reached out to 20-35 customers with a 35% success rate of appointment booking. Maintained and built customer base by building rapport with effective listening, presenting, planning and following through with commitments. Maximized cross-selling opportunities by partnering with specialists: loan officers, business bankers, and financial advisors

Efficiently and effectively resolved customer issues and as well as designated troubleshooter. Identified sale opportunities for Personal Bankers and assisted them with administrative responsibilities. Executed telephone and clerical skills. Accountable for order of branch supplies.