David Kuo

Highly motivated individual with less than 4 years of mortgage experience, bilingual in Mandarin and English. Proven track record in sales, banking, loan processing, and underwriting. Seeking a Mortgage Broker Trainee position.

Background includes finance and accounting coursework, with a Bachelor of Arts in Economics from UCLA.

Bilingual Mandarin Chinese/English Medicare Benefits Consultant (Contract) - Clever Care Health Plan - Remote

(2026-09 - 2026-10)

• Take inbound and make outbound calls to prospective members.
• Sell Clever Care's Medicare Advantage products.
• Conduct presentations using approved guidelines.
• Conduct needs analysis and cost benefit analysis.
• Complete enrollment into desired products.
• Set up in-person meetings and take RSVPs to events for prospective members who do not want to enroll over the telephone.
• Understand cultural sensitivity and professional boundaries.
• Meet/exceed individual sales goals.
• Maintain adherence to HIPAA compliance in all communications regarding clients in treatment.
• Other duties as assigned.

Bilingual Mandarin Chinese/English Service Center Representative (SCR) - TTEC Covered California (Obama Care California) - Remote

(2024-10 - 2026-04)

• Open new accounts.
• Provide bilingual Mandarin and English customer service to Covered California members via high volume inbound and occasional outbound calls to customers.
• Resolve Covered California web portal access issues, including password resets, account unblocking, and temporary credential creation.
• Document all customer interactions, resolutions, and case notes accurately in Salesforce.
• Assist members with enrollment, termination, and changes to health and dental insurance plans using CALHEERS.
• Determine eligibility based on projected annual income, and verify proof of income, citizenship, immigration, and legal presence documentation.
• Support members through Open Enrollment, Special Enrollment Periods, and Qualifying Life Events.
• Refer eligible and ineligible households to Medi Cal and county agencies; transfer applications when appropriate.
• Assign and remove authorized delegates on member accounts.
• Escalate complex cases including reinstatements, term date changes, duplicate cases, and 834 resends to carriers and next level support.
• Assist members with Medicare transitions and health plan cancellations.
• Provide guidance on Form 1095 A, including explanation and analysis for tax reporting purposes.
• Complete and update Covered California applications, including COBRA coverage updates after loss of insurance.
• Maintain compliance with privacy, documentation, and regulatory requirements in a government-regulated environment.

Accountant - Temporary Accounting Contract

(2024-02 - 2024-10)

• Accounting experience in NetSuite, ERP Solutions, SAP, QuickBooks, MS Navision, Oracle.

Mortgage Underwriter I Training - United Wholesale Mortgage (UWM) - Pontiac, Michigan

(2023-11 - 2024-02)

• Income and Tax, 1099 tax form.
• Mortgage underwriting training class on underwriting conventional DU/LP (Fannie Mae, Freddie Mac residential loans for purchase or refinance).
• Knowledge/understanding of how to use AUS (Automated Underwriting System).
• All aspects/function due diligence of underwriting mortgage loans including credit report analysis, per diem interest, qualifying assets, income, property tax, qualifying identity/occupancy, HOA, appraisal, qualifying ratios, escrow (tax and insurance), title, HELOC, REIT, etc.

Customer Service Representative/New Accounts Representative (Contract) - Liberty Bank - South San Francisco, CA

(2023-05 - 2023-05)

• Bank teller duties: withdraw, deposits, transferring money to and from different accounts, wire, hold, etc.

Banker (Contract) - First Bank - San Francisco, CA

(2022-12 - 2023-04)

• Establish relationships and rapport with customers.
• Greet customers in Mandarin and Cantonese and help customers using I-Teller: deposits, withdraws.
• Customer service in accounts inquiry, checking account balance, printing out monthly statements, etc.
• Sell and cross-sell HELOC, credit cards, and bank products to customers.
• Analyze client needs and make appropriate recommendations based on financial data.
• Call customers to sell HELOC and other banking products including CDs, checking accounts, saving accounts, money market accounts, credit cards, etc.
• Open new accounts.
• Open checking accounts, savings accounts, credit cards, and CDs.
• Renew CD.
• Order checks for customers.
• Open IRA, close out IRA-CD, estate, trust, and will.
• Collect and verify death certificates, estate documentation: small estate affidavit, etc.
• Use Salesforce software and banking software.
• Issue and create cashier's checks and close accounts.
• Answer questions about refinance on Auto loans, HELOC, Wires, and account inquiries.
• Apply OFAC and ChexSystems.

Customer Service Representative (Bank Teller Contract) - CTBC Bank Corp USA - San Francisco, CA

(2022-08 - 2022-11)

• Mandarin, Cantonese, and English teller service.
• Open new accounts.

Bank Teller (Contract) - Mission National Bank - San Francisco, CA

(2022-07 - 2022-07)

• Process cash and check deposits (including placing a hold on checks), withdraws, and transfers of checking and savings accounts.
• Process deposits hold and cashier's check.
• Assist customers with security deposit boxes and coworkers with cash shipments.
• Balance drawers at the end of the shift.

Collections Specialist (Contract) - Lendmark Financial Services - South San Francisco, CA

(2022-04 - 2022-05)

• Process applications for consumer and auto loans.
• Make collection phone calls, entering disposition/notes in Excel/CIM.
• Answer phone calls from potential borrowers, enter findings in Dots.
• Enter data for applications in Calms.
• Pivot Table.
• Greet and assist individuals entering the office and calling by phone.
• Process payments, and distributions, and make recommendations regarding loan approvals.
• Handle account activities related to account holders, including phone calls and face-to-face communications with customers.
• Perform all other duties as assigned by management.

Relationship Banker - East West Bank - San Mateo, CA

(2021-08 - 2022-02)

• Establish relationships and rapport with customers.
• Cash handling/bank teller experience using East West Bank's internal system: both online and offline system.
• Open new accounts using East West Bank's internal system: Argo and Tele Insight.
• Sell East West Bank's loan/mortgage product and bank's products including referral of the business account to the business banking relationship manager and other staff.
• Provide bilingual service (English and Mandarin Chinese) to East West Bank's customers including handling phone calls and answering customers' questions.
• Make phone calls internationally to overdue accounts.
• Process wires for individuals and businesses both domestically and internationally.
• Sell East West Bank's credit cards for personal and business.
• Sell CDs in RMB, China.
• Training on Bank Secrecy Act and Anti-Money Laundering Regulation.
• Servicing HELOC account.
• Process CTR and order checks for customers.
• Essential functions of Safe Deposit box (e.g. entry, opening, maintenance).
• ATM balancing.
• Detect and report fraudulent or suspicious activities by completing BSA reporting as required.
• Processing domestic, international, and book wires, including entering swift codes for international wires.
• Apply OFAC and ChexSystems.

Retail Solar Advisor - Sunrun Solar - San Mateo, CA

(2021-04 - 2021-08)

• Establish relationships and rapport with customers.
• Sell solar systems, panels, and batteries including promotions, and upgrades.
• Met monthly sales quotas and set appointments both virtual and in-person with retail sales consultants.
• Use company-provided iPads, and communicate online using chat.
• Using a company-owned iPad complete training.
• Check the condition of the roof such as the material of the roof and the age and shades of the roof via a company-provided iPad.
• Speak Mandarin and English to potential customers and set appointments and leads.

Driver/Cashier/Pizza Maker - Domino's Pizza - San Francisco, CA

(2018-06 - 2020-03)

• Handled cash register operations, order entry, and customer transactions in Mandarin and English.
• Prepared and packaged food items for service and delivery, maintaining accuracy and speed.
• Delivered pizza using GPS.
• Performed GPS-based deliveries and completed bank deposit errands as assigned.
• Maintained a clean, organized work environment, including store cleaning and dishwashing.

Revenue Assurance Specialist - Public Communications Services (PCS) - Los Angeles, CA

(2010-08 - 2014-10)

• Trained and supported coworkers on Excel and SQL, improving reporting accuracy and efficiency.
• Produced revenue and commission reports using Excel, Crystal Reports, Cognos, Sophia, and Keystone.
• Performed database management and relational data analysis, including revenue reporting with tax formulas and tax table application.
• Conducted monthly commission processing for all facilities; generated and distributed commission statements using advanced Excel formulas (VLOOKUP, SUMIF, automated calculations).
• Executed daily Excel and SQL queries, including SQL scripting, to analyze revenue trends, variances, and fluctuations.
• Monitored revenue integrity across facilities, identifying and preventing revenue shortages or fraud; maintained tax data on a quarterly basis in coordination with Finance.
• Created professional PowerPoint presentations and managed business communications via Outlook.

Financial Planner Assistant - John Hancock Financial Services - Los Angeles, CA

(2007-07 - 2010-08)

• Establish relationships and rapport with existing and non-existing customers.
• Pre-Insurance Underwriting based on Life Insurance Policy rules.
• Sell life insurance.
• Sales support to financial advisors.
• Wealth management sales support to financial advisors.
• Open new accounts and establish relationships with customers via English and Mandarin Chinese.
• Thorough knowledge of insurance and investment products.
• Use Salesforce to manage pipelines and drive sales.
• Customer service and help high net worth clients meet their needs in investment funds: fixed income annuities, mutual funds, retirement funds, college saving funds, life insurance, and estate planning.
• Licensed life and health insurance producer license.
• Assistant producer/financial advisor with policy illustrations, proposals, and projections.
• Contact field services in regard to annuities, dividend projections, projected premiums, and policy information.
• Set appointments; generate leads, and warm and cold calls in English and Mandarin Chinese.
• Prepare insurance applications and all necessary documents for underwriting.
• Provide quality customer service.
• Aid producer to meet clients in customer's locations.
• Assist financial advisor in meeting sales quotas.
• Financial analysis with Morningstar Principia software.
• Financial planning analyze client needs and make appropriate recommendations based on financial data.

Loan Processor - Yorkshire Financial - Los Angeles, CA

(2005-06 - 2007-07)

• Gathering information for the mortgage loan application for underwriting.
• Evaluating credit histories for applications.
• Collecting data from clients such as their assets, salaries, debts, and employment status to fill in information for the loan application.
• Researching and correcting mistakes in applications for clients.
• Reviewing file documentation for missing or erroneous information.
• Meeting loan application deadlines.
• Assisting Loan Officer with requests and tasks needed to complete and process application.

Bachelor of Arts - Economics - UCLA (2005)

Course Works - Math and Computer Programming, Finance, Accounting, and Business Law - UCLA (2005)