Jay Engel Email & Phone Number

Orange County, California Area

Foothill Ranch

Irvine, Ca

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 underwriting department and secondary marketing department.Maintained daily workflow prioritization, and communicated accordingly, to ensure all urgent matters were dealt with, and purchase transactions did not carry beyond target close date.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 processing tasks required prior to submission to closing department and submit files to the closer free of deficiencies.

Santa Ana,Ca

I worked in a fast paced HAMP modification center with the primary function of helping WFB customers maintain home ownership.Job functions included, calling customers that submitted applications for assistance and conducting interviews to determine program eligibility.Requested required documentation, responsible for income and debt calculations and basic program underwriting guideline adherence. Ran FNMA/FHLMC AUS tool to determine eligibility and terms of resolution, and called out terms to customers.I had success as part of a team to ensure customers where serviced in a timely manner, and foreclosure prevented whenever possible.

Aliso Viejo

Primary focus placed on customer service and home retention.Guided and mentored subordinates to ensure proper work flow and operational guidelines adhered to and production goals achieved. Resolved negative feedback issue swiftly to ensure no further escalation and customer satisfaction. I performed regular documentation audits to evaluate accuracy within company policy and investor framework. I work closely with clients, AE's and creditors to find mutually agreeable workout solutions to include, loan modification, Forbearance, Short Sale, or Deed In Lieu. Foreclosure prevention was paramount.

Irvine, Ca

Responsible for ensuring completeness and accuracy for mortgage loan applications. Verify customer income documentation, resolve title issues such as liens and judgments.Ran Automated Underwriting Engines and make sure that loan terms fit within FHA, VA, Fannie Mae or Freddie Mac guidelines. Worked closely with the sales team to ensure timely closings and to push expected production levels.Knowledgeable in Federal and State lending and regulatory guidelines. Mastery of Automated Underwriting Systems (DU/LP).In Depth Mastery of income analysis with a strong ability to read personal and business tax returns.

Irvine, Ca

Managed, coached and supported a processing team of 8 to 12 processors.Communicated daily with Retail Sales Staff.Managed the active loan pipeline from loan assignments and processor capacity to file quality, closing dates, lock expiration dates, structuring of loans, and ensured crucial deadlines were met.Resolved challenges that arose on documentation or system issues Coached processors through challenges and work with underwriting, closing, or any other department needed, to ensure challenges were resolved appropriately and in a timely manner.Mentored and trained new processors that come on board.Troubleshoot system issues to ensure loan is structured correctly or to correct a miscalculation

Rancho Santa Margarita, Ca

I originated FHA Title One loans and equity second loans in a call center environment, and in partnership with Union Bank, in a Union Bank branch system referral program. Made outbound cold calls, and built relationship over the phone, took referral calls from Union Bank branches.Made one call closings as matter of practice.Played key role in developing direct mail campaign pieces and analyzed effective pull through figures.Top producer entire 1995 -1996