Jonathan Oh

For 27 years, I've followed one guiding principle: a customer-focused approach is the secret to success. I'm a big believer that no matter what industry you're in or what position you hold, you can elevate the performance and profitability of your company through outstanding client service.

The same can certainly be said for me. Throughout my career, I've placed a particular emphasis on delivering the highest quality customer service, no matter what management level I'm working from, and the results speak for themselves. I've served in operations and sales executive positions for numerous companies, including Bank of Clarke, Ameris Bank, Citizens Bank, Wells Fargo Bank, Chase Bank, United Laboratories & Manufacturing, and Optima Funding Group. I have driven consistent revenue growth for each business.

I've affected positive organizational change through innovative sales initiatives, operational improvements, and strategic partnership development. Still, the most powerful way I've optimized my company's growth trajectory is by continuously focusing on the customer's needs and leading those around me to do the same.

Over the years, I've devoted myself to constant growth to never stop learning. As a result, along with my leadership abilities, I've continuously developed my skills in several key areas, including:

Operations Management | Sales & Revenue Growth | Strategic Planning | Team Leadership| Wealth Banking & Stakeholder Relationship Management | Business Development | Operating Budgets | Contract Management | Employee Engagement | Client Satisfaction | Commercial Lending | Project Management | Written & Verbal Communication | Credit Process Improvement | International Business Management | Bilingual – Korean (Native) & English (Full Professional Proficiency)

Vice President & Sr. MLO April 2023 – Present

Bank of Clarke McLean, VA, USA

• Develop and execute sales strategies, goals, and action plans in alignment with the institution's overall business objectives.
• Collaborate with senior management to establish sales targets, revenue goals, and growth projections. 
• Identify and pursue new business opportunities, partnerships, and markets to expand the institution's loan portfolio.
• Stay informed about market trends, competitor offerings, and customer preferences to adapt sales strategies accordingly. 
• Continuously assess and improve the loan origination process to streamline operations and enhance efficiency.
• Build and maintain relationships with real estate professionals, builders, and other potential referral sources and meet or exceed the lending institution's sales targets and loan originations goals.
• Analyze financial documents, such as income statements, credit reports, tax returns, and employment records, for decisions on approving or denying loans based on credit analysis.

AVP & Sales Manager August 2021 – March 2023

Ameris Bank Fairfax, VA, USA

• Continuously driving growth and revenue generation by cultivating relationships with local businesses and key organizations to promote products and services, capitalizing on cross-promotion and sales opportunities, and developing and implementing innovative sales strategies.
• Maintaining high customer satisfaction by assessing client needs, creating presentations and proposals with the appropriate loan to meet those needs, and actively receiving and implementing client feedback.
• Enhancing team performance by recruiting and hiring talented new employees, establishing individual goals and mentoring team members to help them reach their goals, and planning team-building activities.
• Ensuring compliance with relevant rules and regulations by utilizing a thorough knowledge of bank products, policies, and procedures to manage the execution of all risk management and compliance processes.
• Consistently meeting and exceeding revenue and performance targets by evaluating branch sales data and staff productivity and leveraging data analysis insights to identify improvement areas.

Senior Mortgage Loan Officer January 2016 – August 2021

Citizens Bank Falls Church, VA, USA

• Delivered impactful results by originating over $35 Million annually and generating 90% of branch revenue through new client sales in 2017, 2018, and 2019.
• Received the 2016 Rookie of the Year Award after quickly building and demonstrating in-depth knowledge of all loan products and qualification requirements and maintaining a positive and professional demeanor while delivering exceptional customer service.
• Ranked in the top 2% of the entire company for customer satisfaction survey scores by regularly communicating with clients to determine their needs and establishing a culture of delivering exceptional customer service.
• Employed excellent communication and interpersonal skills to build and maintain valuable relationships with commercial business developers, customers, realtors, business partners, and external stakeholders.

Senior Mortgage Consultant April 2014 – January 2016

Wells Fargo Annandale, VA, USA

• Recognized by senior management for excellent performance after ranking in the top 10% regionally in 2015.
• Increased profitability by originating over $30 Million annually and leveraging cold calls and realtor referrals to generate and capitalize on new leads continuously.
• Scored in the top 5% of the company in customer satisfaction survey scores by forming fruitful relationships with customers and ensuring alignment of mortgage loans with client needs and goals.
• Continuously improved service delivery by cultivating partnerships with commercial builders, real estate agents, financial planners, builders, and other business sources.

Mortgage Banker January 2010 – April 2014

Chase Bank Falls Church, VA, USA

• Recognized as a President Club Award Winner in 2010, 2011, and 2013 after consistently delivering exceptional performance while originating over $40 Million annually and playing an integral role in key transactions.
• Continuously expanded client base by utilizing cold calls and realtor referrals to generate new leads, as well as maintaining valuable relationships with key clients.
• Played an integral role in organizational growth and success by achieving the top 1% funding units at the national level in 2014 and ranking in the top 4% of the national Weighted Rank Retail Mortgage Banker Scorecard in 2014.
• Expanded brand awareness and built relationships with key industry stakeholders by planning and coordinating multiple trade show appearances.

Co-Owner & Sales Director January 2008 – December 2015

United Laboratories & Manufacturing LLC dba PROMEDIC Sterling, VA, USA

• Enabled smooth daily operations by managing all daily workflows, production planning, and inventory, identifying the ideal manufacturing company for OEM, and coordinating distribution and warehouse operations.
• Leveraged strong attention to detail and in-depth product knowledge to inspect final products, assess compliance with quality standards, and take corrective action as necessary.
• Supported data-driven decision-making by analyzing performance and financial data and generating reports for investors and key stakeholders.
• Increased brand awareness and expanded client base by providing crucial thought leadership for new product launches and marketing initiatives and coordinating trade show appearances and presentations.

Vice President & Broker July 2003 – January 2010

Optima Funding Group, Inc. Annandale, VA, USA

• Demonstrated exceptional leadership skills by interviewing, training, supervising, and evaluating up to 50 loan officers and serving as an organizational subject matter expert on sales techniques, client service, and commercial loans.
• Received the Outstanding Production Award from Countrywide and Chase Bank from 2003 to 2008, following superb delivery of customized loan programs and personalized customer service.
• Enhanced organizational performance by overseeing daily operations of multiple departments and providing actionable feedback to department leaders to ensure weekly and monthly targets were met.

ADDITIONAL PROFESSIONAL EXPERIENCE

National Sales Director September 1998 – July 2003

Allegiance Telecom, Inc. Washington D.C., USA

Branch Manager & Sales Director June 1996 – June 1998

New Days LLC Beijing, China

NON-PROFIT LEADERSHIP EXPERIENCE

President October 2017 – Present

The Church for all Nations, Inc. Vienna, VA, USA

• Responsible for managing all operations, leading strategic planning, organizing service projects, ensuring the monetary needs of members are met, and defining organizational vision and goals.
• Improving profitability by creating and managing annual budgets, conducting profit and loss reviews, monitoring all transactions to reduce expenditure, and overseeing financial processes for weekly reimbursement.
• Supporting continuous organizational growth by identifying candidates for staff and pastor positions, conducting interviews, and hiring the most qualified individuals.

EDUCATION

B.A. in International Business May 1994

Virginia Polytechnic Institute and State University Blacksburg, VA