Howard Cho

Independently managed a high-volume pipeline of primarily purchase loans, serving a diverse range of borrowers with traditional and Non-QM products. Provided end-to-end loan support, from prequalification and initial structuring through to submission, underwriting, and closing.

Hand-selected to join the new construction lending team, working directly with builders, sales agents, and buyers to support purchase transactions. Specialized in new build pipelines while also managing resale purchases and refinances.

Achieved distinction as #1 loan officer in California for funded loans under Bank of America’s Down Payment Grant Program. Originated, structured, and managed a large pipeline of FHA, VA, and Conventional loans with a focus on compliance-heavy programs.

Oversaw a multi-state territory selling dental implant solutions to clinics, surgeons, and private practices. Delivered live product demos, hosted CE events, and trained clinicians on both clinical and technical applications.

Managed a high-performing sales team across multiple shifts, driving new membership growth and personal training sales. Developed onboarding programs and weekly training focused on closing techniques, customer service, and performance metrics.

Top-ranked sales rep for multiple consecutive quarters based on membership conversions and upsell success. Conducted in-depth fitness consultations to align members with suitable programs, services, and wellness goals.

Studied core principles of business administration and management, gaining foundational knowledge in organizational operations, finance, and marketing. Developed skills in strategic planning and resource management relevant to various business environments.