Michael Lau
San Jose,CA
Summary
Seeking a position in a recognized and well-oriented company to further enhance and grow expertise in sales coordinating and processing.
Overview
11
11
years of professional experience
Work History
Business Marketing and Property Manager
HK Investments
Saratoga
06.2023 - Current
- Maintain excellent communication and relationship between lessor, store management team to fulfill their needs and trouble shoot any issues arising creating deepened relationship and understanding
- Generate monthly revenue reports and keeping track of rent ledger presenting to management
- Liaison between all work completed and events happening at properties and ensure all tenants are aware of upcoming and current property maintenance schedules
- Produce monthly reports of issues and maintenance records for all properties
- Generate cost reports and monitor fluctuation between cost and profits for all properties.
Mortgage Sales Coordinator
Wells Fargo Home Mortgage
Los Altos
01.2021 - 06.2023
- Worked closely with internal teams on loans from applications to close to provide maximum support and guidance to returning mortgage clients as well as first-time buyers
- Consistently exceeded timeline expectations by utilizing extensive knowledge of mortgage underwriting guidelines analyzing documentation with high precision
- Updated system information for each loan profile during application ensuring all internal team members and third party vendors are updated
- Prepared spread sheet and breakdown of clients’ assets, stocks, retirement funds analyzing to meet home loan requirements
- Performed valuation and report based on home appraisal, property taxes, insurance premium and HOA fee’s.
- Managed portfolio pipeline with over 20 active real deal transactions monthly
Mortgage Loan Processor
Wells Fargo Home Mortgage
Santa Clara
10.2019 - 01.2021
- Continuously providing high standard of quality and quantity processing home loans, new builds, and refinances
- Handled multiple tasks including inquiries, calls, emails and inputting information into the system while maintaining confidentiality
- Balance work flow between 25-30 active loan files a month including FHA, Conforming and non-conforming loans
- Reviewed and verify borrowers’ documents such as income, credit reports, employment history, home appraisals and title insurance preparing for underwriting submittal
- Worked as a liaison between investors, title, and borrowers throughout the home loan process
- Ensured compliance is in order for all home loans and maintain regulatory requirements and internal policies.
- Communicated with originator and applicant being the main point of contact updating the progress of loan file.
Home Loan Processor/Sales Associate
Codex Lending
Campbell
02.2017 - 07.2019
- Provided and executed quality work with sales consultants to ensure home loan requirements are met
- Executed and deliver FHA, VA, Conforming and Jumbo loan to meet client expectations and goals
- Handled a pipeline of up to 20 loan files consisting of Purchase and Refinance transactions
- Adapted to Encompass system utilizing tools to complete loan from start to finish
- Worked with underwriting to complete needs list requirements for initial and final approval
- Ensured borrower provides all documents and explanation requested by underwriter
- Contacted 3rd party insurance companies and title companies to request home loan orders
- Created and launched advertising campaigns through mailers, flyers and email blasts for home loans and refinance loans.
Product Specialist/ Assistant Manager
Match Action Marketing
Boulder
09.2013 - 10.2016
- Provided superb customer service and experience with participants
- Launched creative strategies to increase, facilitate, and track attendee traffic
- Assisted logistics team for setup and tear down of trade show platforms and marketing displays.
Education
Bachelor of Science - Business Administration And Management
San Jose State University
San Jose, CA05.2010
Skills
- Communicate effectively with consumers, associates and third parties with strong oral and writing skills
- Ability to multi-task and foresee numerous projects for timely results to meet deadlines
- Efficient working individually and with team members to reach end goals
- Self Driven along with being detail-oriented and having great organizational skills
- Experience analyzing and evaluate legal, employment documents and financial statements
- Understand and adapt quickly to new guidelines, policies and regulations
- Discrete handling of confidential materials
- Capable to learn and adapt to new systems quickly
- Proficient with MS Office, Encompass, Salesforce CRM, Constant Contact (Word, PowerPoint, Excel, Outlook)75wpm
- Fluent in Cantonese
License
- Licensed Real Estate Sales Person
Timeline
Business Marketing and Property Manager
HK Investments
06.2023 - Current
Mortgage Sales Coordinator
Wells Fargo Home Mortgage
01.2021 - 06.2023
Mortgage Loan Processor
Wells Fargo Home Mortgage
10.2019 - 01.2021
Home Loan Processor/Sales Associate
Codex Lending
02.2017 - 07.2019
Product Specialist/ Assistant Manager
Match Action Marketing
09.2013 - 10.2016
Bachelor of Science - Business Administration And Management
San Jose State University