Experience

ERA Carlile Realty & Lending

• United States
• Real Estate
• 1 - 100 Employee

• Mortgage Loan Officer

  • Aug 2023 - Present

  Henry Cheng | NMLS# 1379759 ERA CARLILE Realty Group | CARLILE Lending CA DRE# 01907175 | NMLS# 785733 Henry Cheng | NMLS# 1379759 ERA CARLILE Realty Group | CARLILE Lending CA DRE# 01907175 | NMLS# 785733



California Department of Housing & Community Development

• United States
• Government Administration
• 300 - 400 Employee

• NHTF - HCDR II (Commercial Underwriter)

  • Nov 2022 - Present

  Division of Federal Financial Assistance • Construction & Perm Loan underwriting - Affordable housing projects • Cash flow and validate feasibility of the affordable housing projects. • Manage ongoing financial reports with developers to ensure construction moving in the expected timeline. • Manage construction closing calls with developers and other lenders. • Manage and approve construction draw, handle funding/disbursement. Division of Federal Financial Assistance • Construction & Perm Loan underwriting - Affordable housing projects • Cash flow and validate feasibility of the affordable housing projects. • Manage ongoing financial reports with developers to ensure construction moving in the expected timeline. • Manage construction closing calls with developers and other lenders. • Manage and approve construction draw, handle funding/disbursement.


Sunrise Elementary PFO (Non-Profit)
• VP of Fundraising

  • Jul 2023 - Present


HelpULend

• United States
• Financial Services
• 1 - 100 Employee

• Mortgage Loan Advisor

  • May 2023 - Aug 2023

  Henry Cheng | NMLS #1379759 HelpULend, Inc | NMLS #2085329 2268 Senter Rd #166A, San Jose, CA 95112 Henry Cheng | NMLS #1379759 HelpULend, Inc | NMLS #2085329 2268 Senter Rd #166A, San Jose, CA 95112



Fremont Bank

• United States
• Banking
• 700 & Above Employee

• Manager, Mortgage Loan Processing

  • Apr 2020 - Aug 2022

  NMLS #: 1379759Retail & Consumer LendingManage Purchase, Refinance & HELOC Includes Portfolio, Jumbo & GSE trade productsWell established knowledge on investor underwriting guidelines and ability to handle income calculation for structuring purpose ** 2020 President’s Club Awardee **** 2019 Above and Beyond Awardee **** Consistent Top Producing Processor **• Managing the Processing Unit with 10+ Mortgage Loan Processors / Lead Processor and the day-to-day operations of the unit. Point of contact for all type of escalations.• Partner with Director and above level to implement new initiatives for process improvement. Example: Set up shared drive for efficient team management and available resources, automate portion of loan process to increase user experience, streamline upfront review on loans that increased approx. 20% efficiency on meeting deadline.• Projects presentations to executive team to share progress of pilots and storytelling to influence buy-in for actual implementation - Multiple projects were successfully implemented and reduced average Turn Time for around 15 - 20 days • Created department related master report that will allow live data extract for refresh and formulated to track progress, goal, pipeline management, etc. Consolidated all other reports to one excel workbook that resulted in extreme efficiency and been in force for years• Meeting with vendors for system testing and set up multiple job aids for cross departments use.• Handle recruit, interview and make hiring decisions. Consolidated training workbook also set up for the department to track new hire training progress and materials set up for new hire training purpose Show less

• Supervisor, Mortgage Loan Processing

  • Aug 2019 - Apr 2020

• Mortgage Loan Processor

  • May 2016 - Aug 2019



Bank of America

• United States
• Banking
• 700 & Above Employee

• Mortgage Loan Specialist

  • Jun 2015 - May 2016

  • Obtain information from borrower for complete 1003 • Review credit report• Pre-underwrite loan application before submission• Knowledge of loan documents that needs to be obtain prior to underwriting• Pricing & loan products• Loan structure

• Personal Banker

  • Apr 2014 - Jun 2015

  ** July 2014 Q3 - Delivered 247.25% of sales goal. **** August 2014 Q3 - Delivered 208.35% of sales goal. **** August 2014 Q3 - Delivered 371.28% of customer relationship movement goal. **** Overall 2014 Q3 - Delivered 145.74% of sales goal. **** Overall 2014 Q3 - Delivered 174.13% of customer relationship movement goal. **** October 2014 Q4 - #1 Top ranked banker in Greater San Francisco - over 100 banking center **** October 2014 Q4 - Delivered 128.19% of sales goal. **** October 2014 Q4 - Delivered 142.22% of customer relationship widening goal. **** November 2014 Q4 - Delivered 152.27% of customer relationship widening goal. ** Show less