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
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
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
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
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
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