Mortgage Operations & Compliance Leadership

Ray Blindauer

Strategic Mortgage Operations Leader 22+ Years Driving Compliance, Technology Adoption

& Exceptional Client Experiences

949-***-**** • ***@*******.** • https://www.linkedin.com/in/rayblindauer/ • NMLS ID: 230213 Zillow Profile: https://www.zillow.com/lender-profile/RayBlindauer/ Professional Summary

Remote mortgage operations executive with 22+ years of experience leading end-to-end pipelines across processing, underwriting, closing, post-closing, and QC. Expert in process optimization, digital transformation (Encompass LOS), and compliance (SAFE Act, TRID, NCUA). Proven ability to coach high-performing teams, manage vendors, and deliver exceptional member experiences while improving turn times and cost ratios.

Core Skills

Mortgage Operations Leadership • Process Optimization • Digital Transformation • Encompass LOS • Vendor Management • Regulatory Compliance • Audit Readiness • Risk Assessment • QC/Post- Closing • Change Management • Team Coaching • Budgeting & Metrics • SAFE Act • TRID • Microsoft 365 • GLIA (familiarity)

Experience

Director of Mortgage Operations & Senior Loan Originator (Remote) Arcstone Financial — 2022–2025

• Directed end-to-end mortgage operations across processing, underwriting, closing, post- closing, and QC.

• Implemented technology-enabled process improvements (Encompass LOS, automated workflows) reducing manual intervention and accelerating clear-to-close cycles.

• Managed vendor relationships with performance benchmarking and SLA governance; improved appraisal and title turn times.

• Led compliance initiatives (SAFE Act, TRID, NCUA) and coordinated audit readiness with corrective/preventive controls.

• Delivered exceptional client experiences through proactive communication; earned 5-star Zillow reviews.

Loan Originator & Team Manager (Remote)

Various Lenders — 2003–2022

• Originated and managed multi-state pipelines; introduced early-stage technology and workflow practices.

• Reinforced compliance-first discipline and developed SOPs for remote teams.

• Built strong relationships with title, escrow, and AMCs to improve scheduling reliability and appraisal turn times.

Education

Completed coursework toward B.A. in Philosophy & Ethics – The George Washington University, Washington, DC and University of Maryland—Baltimore County Leadership Training – U.S. Army, Fort Ritchie, MD

Licensure & Compliance

SAFE Act Compliant • NMLS Registered #230213 • Expertise in TILA/RESPA, ECOA, HMDA, TRID Selected Accomplishments

• Pioneered online originations via Zillow in 2009; cultivated 5-star reputation through high- touch communication https://www.zillow.com/lender-profile/RayBlindauer/

• Developed pipeline governance playbooks improving consistency and accountability across stakeholders

• Led adoption and optimization of Encompass LOS and supporting integration workflows

• Certified Veteran Loan Specialist 2020 https://namb.org/cvls/

• Certified Mortgage Planning Specialist® 2008 https://momentifi.com/cmps-certification

• Certified Liability Advisor™ 2007 https://www.borrowsmartuniversity.com/certified-liability- advisor

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