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Management Team


Mr. Michael Chen is a co-founder and current President of Summit Mortgage Bankers, Inc. Before immigrating to the States, Michael had held multiple key positions in China Ministry of Finance, China Investment Bank and the Peopleˇ¦s Construction Bank of China. Before Summit Mortgage Bankers, Inc. was set up, Michael worked as manager in Loan Professionals, Inc., a mortgage brokerage firm in New York, New York.

Michael majored in Financing for Construction and Development in the Economics and Finance Institution of Hubei in Hubei, China and English Literature in the Foreign Language Institute of Dalian, China. He was awarded his Master of Business Administration in International Finance in the University of Texas at Dallas, Texas and earned Master of Arts in economics in the City University of New York.

Michael Chen translated and published an English book Project Evaluation in 1985. He earned highest dual designations in financial consulting and advising field, Charted Financial Consultant (ChFC) and Certified Life Underwriter (CLU) in 1995. He was chosen as one of the 50 Outstanding Asian Americans in Business in 2006 and was featured as one of the most successful businessmen by one of the major Chinese media in 2007.


Mr. Justin Tong is the branch manager for both New York and Flushing branches in New York. He oversees the daily operations, client relationship and loan officers' professionalism and productivity. In addition, he is the main liaison between Summit Mortgage Bankers and vendors such as lenders and investors, mortgage brokers and closing attorneys. He is also responsible for operations evaluation in terms of efectiveness of controls, accuracy of financial records and adequacy of internal controls.

Prior joining Summit Mortgage, Justin held key positions at the Dai-Ichi Kangyo Bank Ltd in Shanghai overseeing Internal Audit and Compliance.

Justin earned his MBA in General Business and Master of Science in Business Administration at Madonna University in Michigan. He also held a Bachelor degree at Shanghai International Finance Studies University.
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