Real Estate Account Manager

Jay Engel

Tustin, CA *****

*********@*****.***

Cell 949-***-****

Cover Letter

I am actively looking forward to return to a career in customer service or account management sales role where I can utilize my experience and customer relations skills to help customers make informed decisions. I have been a self-employed residential home inspector for the past 4.5 years, however with the recent turmoil within the real estate industry, I was no longer able to pursue this endeavor and support my family.

Financial services specialist with a strong background in loan processing and account management. (I am open to pursuing other opportunities outside the mortgage industry, as I know my past experiences will translate well into many different industries.

I have over 25 years’ experience working within large national call center environments including Wells Fargo Bank, IndyMac Bank, Lending Tree Loans, loanDepot.

My background does encompass all aspects of residential financing including sales; sales management; underwriting; capital markets; funding/post-closing and loss mitigation/home retention.

I can think strategically yet be a creative problem solver. I am adaptive and can excel in a fast-passed work environment.

I am considered by previous managers as quick-thinking, perceptive, and energetic with strong people skills and problem-solving skills. I believe myself to be a lifelong learner who is curious and teachable.

As a Sr. processor or account manager, I was able to manage large pipelines 40-50 + loans at a time, while maintaining effective and timely communication with borrows, third party vendors and internal departments, ensure loans were funded on time to meet lock expirations and closing dates.

Work Experience

Owner/Operator

Pillar To Post Home Inspectors - Tustin, CA

March 2020 to September 2024

I performed residential home inspections throughout Southern California.

I market my services to Real Estate agents and brokers to build my marketing network and grow my referral base.

Marketing activities include the following: Constant Contact mailings with phone call follow-up, regularly visit real estate offices with brochures and other marketing items, attending local realtor marketing meetings, and presenting myself and services at "Lunch and Learns" and sales training classes for new agents. Visit Open Houses meet new agents.

Account Manager

Ethos Lending - Tustin, CA

March 2016 to March 2019

Liaison / point person between external broker/partners, and internal underwriting and closing departments. Performed Jr. underwriting functions.

Worked closely with dedicated Business Developers/Account Executives to ensure timely and accurate communication with brokers and internal staff to get loans approved and funded in a timely manner.

Facilitated new broker portal training for LO’s and processors with Go To Meeting.

Worked to resolve file deficiencies regarding appraisals, borrower documentation, AUS feedback findings to quickly move the file forward in the loan process.

Proactively managed active pipeline with 60 + loans a month. Worked to limit lock expirations to ensure loan locks did not expire, and close of escrow dates are met.

Fostered and maintained positive and productive communication with brokers, and all support staff.

Company closed – laid off 2019.

Wholesale Account Manager

Lenox Financial Mortgage Corp - Santa Ana, CA

March 2015 to January 2016

Performed review of loans originated by third parties for general guidelines and identified outstanding items or questions that could cause closing delays.

Communicate all approval status changes and clear to close statuses with client and/or client manager via phone or e mail.

Reviewed conditions as stipulated by UW and internal policy to ensure broker and AE understood what was required to meet/clear conditions in a timely manner.

Resolved problems and questions with the underwriting and secondary marketing department.

Maintained daily workflow prioritization and communication accordingly to ensure all urgent matters were dealt with, and purchase transactions and rate locks did not carry beyond target close dates if, at all possible.

Audited files for compliance throughout the loan process: RESPA/GFE, Compensation Rules, HOEPA, all applicable predatory lending tests, TILA, MDIA, and Appraiser Independence requirements.

Complete all processing tasks required prior to submission to closing department and submit files to the closer free of deficiencies. TRID proficient, order Closing Disclosures.

Laid off –

Sr. Loan Processor (Account Manager)

loanDepot - Foothill Ranch, CA

May 2014 to March 2015

Responsible for all processing functions from origination through closing for retail loans. Pipeline exceeded 55-60 units a month.

Reviewed initial package from sales, I reviewed appraisal, and title, I calculate income, W-2, self-employed and rental income. Validate / update 1003 for accuracy, upload conditions for underwriting and funding.

Ran DU/LP, submit to underwriting for initial approval.

Cleared underwriting conditions and re-submit for final approval.

Drew loan docs., schedule doc. signing and review HUD with borrowers, and clear funding conditions.

Heavy interaction with sales, underwriting, funding third party vendors and clients.

I processed Conv., FHA/VA, HARP and both FNMA and FHLMC. loans.

Wholesale Account Manager

InterCap Lending - Irvine, CA

February 2012 to February 2014

I Performed review of loans originated by third parties for general guidelines and identified outstanding items or questions that could cause closing delays.

Communicated all approval status changes and clear to close statuses with client and/or client manager via phone or e mail.

Discussed conditions as dictated by UW and internal policy and ensure client/client manager understands what is required.

Resolved problems and questions with the underwriting department and secondary marketing department. re-sold, and re-structured terms to broker when required.

Maintained daily workflow prioritization, and communicated accordingly to ensure all urgent matters were addressed, and closing dates met.

Audited files for compliance throughout the loan process: RESPA/GFE, Compensation Rules, HOEPA, all applicable predatory lending tests, TILA, MDIA, and Appraiser Independence requirements.

Completed all closing tasks required prior to submission to closing department and submit files to the closer free of deficiencies.

Laid Off - Company closed.

Prior work experience:

Loss Mitigation Specialist

Wells Fargo Bank / Home Mortgage - Santa Ana, CA

April 2010 to February 2012

Loan Consultant and Sr. processor

LendingTree - Irvine, CA

October 2004 to December 2007

Retail Team Leader

IndyMac Bank F.S.B - Irvine, CA

February 1997 to September 2004

Hired as a loan consultant and promoted to Processing team lead.

References Available upon request:

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