Karen Lee
Senior Mortgage Specialist
Batu Pahat,Johor
Summary
Dynamic Senior Mortgage Specialist at United Overseas Bank, UOB, recognized for exceeding sales targets and enhancing client relationships through superior customer service. Expert in detailed loan analysis and proactive problem-solving, I streamlined processes, reduced errors, and developed customized financing solutions, driving significant business growth and client satisfaction.
Overview
26
26
years of professional experience
4
4
Languages
Work History
Senior Mortgage Specialist
United Overseas Bank, UOB
06.2005 - 05.2025
- Contributed to company growth by consistently exceeding sales targets through proactive client outreach and excellent product knowledge.
- Enhanced team productivity by creating standardized templates for common forms used throughout the lending process.
- Collaborated with underwriters to expedite loan decisions, successfully meeting clients'' needs and expectations.
- Reduced errors in mortgage documentation through meticulous attention to detail and thorough reviews of loan packages.
- Assisted clients in understanding complex mortgage terms by simplifying concepts into clear explanations tailored to individual needs.
- Streamlined mortgage application processes by implementing efficient systems and tools, resulting in faster loan approvals.
- Demonstrated a commitment to ongoing professional development by participating in industry conferences, workshops, and seminars to stay current on best practices.
- Built lasting relationships with clients by providing exceptional customer service, fostering trust and loyalty.
- Identified potential risks in mortgage applications through careful analysis and due diligence procedures, safeguarding the organization from financial loss.
- Achieved seamless communication between all parties involved in the transaction by acting as a liaison between borrowers, underwriters, and closing agents.
- Generated new leads through targeted marketing campaigns aimed at reaching potential clients in the local community.
- Negotiated favorable loan terms on behalf of clients with various lenders, securing competitive rates and fees for borrowers.
- Played an instrumental role in business development initiatives, attending networking events and building partnerships with real estate professionals.
- Resolved complex loan issues by working closely with clients to gather necessary documentation and mitigate potential roadblocks in the approval process.
- Managed a diverse portfolio of loans, ensuring timely processing and adherence to compliance regulations.
- Mentored junior mortgage specialists for improved performance, sharing industry knowledge and best practices.
- Maintained up-to-date knowledge of industry trends, products, and regulatory changes to provide comprehensive guidance to clients.
- Efficiently managed a high volume of daily tasks, prioritizing workload based on deadlines and client needs without sacrificing quality or accuracy.
- Increased referral business by cultivating strong relationships with realtors, builders, attorneys, and financial planners who valued my expertise as a Senior Mortgage Specialist.
- Developed customized financing solutions for borrowers by assessing their unique financial circumstances and goals.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed and implemented marketing campaigns to generate new business opportunities.
Assistant Purchase Manager
BCB Berhad
05.2003 - 06.2005
- Managed risk by implementing strategies to mitigate potential supply chain disruptions.
- Enhanced supplier relationships by negotiating favorable contract terms and conditions.
- Collaborated with cross-functional teams to optimize supply chain management processes.
- Ensured compliance with company policies and industry regulations through diligent monitoring of procurement activities.
- Reduced inventory costs with strategic planning and effective forecasting methods.
- Monitored global markets trends influencing raw material prices, informing strategic decision-making processes.
- Supported company growth by ensuring timely procurement of essential materials and resources.
- Developed strong communication channels between internal stakeholders and external partners, promoting transparency throughout the procurement lifecycle.
- Streamlined the purchasing process for improved efficiency and cost savings.
- Evaluated total cost of ownership for various sourcing options, determining the most advantageous selections for the organization.
- Participated in supplier audits to ensure adherence to quality standards and ethical business practices.
- Conducted market research to identify potential suppliers, evaluating their capabilities for meeting organizational needs.
- Established long-term partnerships with reliable vendors, securing consistent supply lines for critical materials.
- Assisted in budget preparation and management, contributing to accurate financial forecasting for the purchasing department.
- Sourced vendors, built relationships, and negotiated prices.
- Coordinated paperwork, updated spreadsheets, and maintained permanent records.
Admin Cum Purchasing Officer
BP Plastic Sdn Bhd
05.2002 - 04.2003
- Established effective relationships with key stakeholders both internally and externally for increased collaboration opportunities.
- Mentored junior staff members, helping them develop their skills and advance in their careers.
- Improved department efficiency by streamlining and implementing policies and processes.
- Implemented process improvements that streamlined workflows, reducing redundancies and increasing operational efficiency.
- Coordinated cross-functional teams to address complex issues, leading to more efficient problem-solving processes.
- Streamlined report writing processes, allowing for quicker turnover and more accurate record-keeping.
- Negotiated with local businesses for partnerships in crime prevention initiatives, securing resources and support for community programs.
- Coordinated with multiple agencies to streamline operations, enhancing overall response times during emergencies.
Administrative Assistant
VS Com Sdn Bhd
01.1999 - 01.2002
- Answered multi-line phone system, routing calls, delivering messages to staff and greeting visitors.
- Maintained confidentiality of sensitive information by adhering to strict privacy policies and implementing secure filing systems.
- Promoted a positive work environment through effective communication skills and fostering professional relationships among colleagues.
- Improved document organization with thorough file maintenance, archiving outdated records as necessary for efficient retrieval when needed.
- Delivered excellent customer service through prompt responses to client inquiries, addressing concerns effectively, and building strong relationships.
- Ensured accurate record-keeping with diligent data entry and database management for vital company information.
- Coordinated office supply inventory management, proactively ordering necessary items before depletion to avoid workflow disruptions.
- Supported executive staff through scheduling meetings, coordinating travel arrangements, and preparing crucial documents.
Education
Diploma in Computer Studies
Sunway University
Bandar Sunway Selangor LCCI Certificate in Book Keeping And Accounts
LCCI
JohorSkills
Strong analytical skills
Additional Information
Expected Salary: RM 9500
Preferred Job Location: Johor
Willing to travel: Yes
References:
Yap Sook Chin
Head of commercial banking (central)
United Overseas Bank (M) Berhad
6012 3310228
Yean Sau Yun
Head of Transaction Banking (Southern Region)
United Overseas Bank (M) Berhad
6017 8826282
Ben Liew Kar Voon
Branch Manager Kulai Branch
United Overseas Bank (M) Berhad
6012 7130300
Jane Teo Poo Choo
South Regional Head, Business Banking
Standard Chartered Bank (M) Berhad
6012 7624080
Timeline
Senior Mortgage Specialist
United Overseas Bank, UOB
06.2005 - 05.2025
Assistant Purchase Manager
BCB Berhad
05.2003 - 06.2005
Admin Cum Purchasing Officer
BP Plastic Sdn Bhd
05.2002 - 04.2003
Administrative Assistant
VS Com Sdn Bhd
01.1999 - 01.2002
Diploma in Computer Studies
Sunway University
LCCI Certificate in Book Keeping And Accounts
LCCI