CLEMY LAW

SUMMARY OF QUALIFICATIONS

Passing series 7 & 66 recently

Solid background in residential and commercial lending services and the banking industry.
Consistently achieve sales goals and increase transactions by identifying and cultivating relationships.
Demonstrated success pinpointing client needs and uncovering potential problem areas.
Articulate and persuasive communicator, at ease interacting with clients and team members.
Team-oriented professional, eager and willing to lead and work collaboratively with different
departments to successfully achieve goals and expectations.

PROFESSIONAL EXPERIENCE

Private Banker Advisor Associate

Morgan Stanley

Support and drive banking and lending sales initiatives for Financial Advisors by identifying and
assessing opportunities and building product awareness and understanding of banking and
lending products and services.
Preparation to be a Financial Advisor.

HOME LENDING CONSULTANT

CITIBANK Greater San Francisco Bay area, CA

March 2014 July 2014

June 2012 March 2014

Obtain and complete mortgage loans from bank branch customers, client referrals and realtors.
Coordinate all aspects of the mortgage application process, including underwriting. Maintain
excellent customer relationships by providing superior customer consultation and service.
Assess and evaluate customers financial needs for residential mortgage loans and home equity
lines of credit (HELOC). Coordinate with loan processors for appraisal and title reports.
Determine and recommend financial product/service solutions for customers based on analysis of
customer finances, tax returns, and the customer's needs and objectives.
Identify opportunities to expand client relationships, and then promote, market, and cross-sell
products that meet customers' financial needs and objectives.
Partner with colleagues to meet with and advise customers regarding their financial needs and to
promote mortgage products. Keep team and managers apprised of client relationship status.

MORTGAGE LOAN SPECIALIST

BANK OF AMERICA San Francisco, CA

September 2010 - May 2012

Obtain and complete mortgage loans from bank branch customers, client referrals and realtors.
Coordinate all aspects of the mortgage application process, including underwriting. Maintain
excellent customer relationships by providing superior customer consultation and service.
Assess and evaluate customers financial needs for residential mortgage loans and home equity
lines of credit (HELOC). Coordinate with loan processors for appraisal and title reports.
Determine and recommend financial product/service solutions for customers based on analysis of
customer finances, tax returns, and the customer's needs and objectives.
Identify opportunities to expand client relationships, and then promote, market, and cross-sell
products that meet customers' financial needs and objectives.
Partner with colleagues to meet with and advise customers regarding their financial needs and to
promote mortgage products. Keep team and managers apprised of client relationship status.

WHOLESALE ACCOUNT EXECUTIVE

January 1998 November 2009

WORLD SAVINGS BANK San Francisco, CA

(Merged with Wachovia, then acquired by Wells Fargo)

Sold financial services and products including residential/commercial real estate loans and equity
lines of credit to over 40 individual mortgage brokers through prospecting, relationship-building,
regular group training, and strategic analysis.
Processed and underwrote loans, ordered appraisals/title reports, analyzed consumer and
corporate tax returns and financial statements, and assisted in preparing presentation proposals for
real estate brokers and agents for their clients.
Mentor and internal trainer for new colleagues. Successfully trained new agents on conducting sales
transactions, building client relationships, and loan processing and underwriting.
Basic training and use of AFS through Wachovia.
Rookie of the year 1998

Top producer 1998 to 2005

WHOLESALE ACCOUNT CLOSING SPECIALIST

September 1991 December 1997
WORLD SAVINGS BANK Daly City, CA

Pre-underwrote each transaction in order to identify potential obstacles and available remedies.
Supervised loan transactions and process flow, according to the time schedule.
Coordinated with numerous internal departments, such as processing, underwriting, appraisals, loan
document preparation, and funding and closing in order to close each transaction on schedule.
Interfaced with developers, listing agents, title and Escrow, selling agents, and attorneys.

ACCOUNTING SUPERVISOR
SUN HING FOODS, INC. San Francisco, CA

Oversaw accounts receivable, accounts payable, inventory, payroll and general ledger accounts.
Prepared various financial reports for management, lenders and other interested parties.
Consulted with controller to computerize the company accounting system.

ACCOUNTING SUPERVISOR
DANA CORPORATION Manteca, CA

September 1989 August 1990

Oversaw the accounts receivable, accounts payable, inventory, payroll and general ledger
accounts for California, Arizona, and Washington states.
Liaison for West Coast Regional controller and headquarters in Toledo, OH.

INSTRUCTOR
HEALD BUSINESS COLLEGE Stockton, CA

August 1990 - September 1991

September 1988 - August 1989

Instructor for two basic bookkeeping courses and a computerizing accounting course.

EDUCATION AND TRAINING

BACHELOR OF SCIENCE IN ACCOUNTING & FINANCE
Humphrey College - Stockton, CA
CANDIDATE OF MBA
SFSU - San Francisco, CA