Timothy Anders
HENDERSONVILLE,NC
Summary
Organized Mortgage Loan Officer with 11 years of experience in mortgage lending. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations.
Overview
17
17
years of professional experience
Work History
Mortgage Loan Officer
GoPrime Mortgage
Arden, NC
07.2011 - Current
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Monitored pipelines to track and log status of loans.
- Proactively identified solutions for customers experiencing credit issues.
- Explained very technical financial information to applicants in easy to understand language.
Real Estate Appraiser
Shultz Appraisal Company
Asheville, NC
10.2006 - 07.2011
- Gathered information on nearby properties to compare and help make value determinations on properties.
- Stayed updated on market trends for local area and similar property types.
- Researched land, property and market values to complete estimations.
- Inspected new and existing properties and noted distinctive characteristics.
- Performed appraisals in line with federal requirements and USPAP guidelines.
- Maintained current understanding of lender requirements and documentation guidelines.
- Took photographs of interior and exterior of buildings to properly document features and conditions.
- Remained current on local areas through actively researching and garnering understanding of community values.
- Educated owners about assessments, resolved concerns and defended valuations during public appeals.
- Kept on top of latest trends in market sales and construction costs in order to produce optimal assessments.
- Computed final estimation of property values, taking into account depreciation, value comparisons of similar properties and income potential.
- Inspected properties first-hand, collected measurements and reviewed historical documents to complete thorough evaluations.
- Completed inspections of properties and property improvements to determine market values.
- Weighed property location, sales trends and estimated replacement costs to accurately value properties.
Insurance Sales Agent
Allstate Insurance Co
Asheville, NC
09.2005 - 10.2006
- Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling.
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
- Recommended type and amount of coverage based on analysis of customers' circumstances using persuasive sales techniques.
- Sold auto, home, life and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques.
- Met with customers to provide information about available products and policies.
- Quoted and calculated premium rates for policies, using rate book,
- Finalized sales and collected necessary deposits.
- Remained impartial in order to advise clients based on circumstances.
- Calculated premiums and established payment methods for sales.
Education
High School Diploma -
Rosman High
Rosman, NC06.1986
Skills
- Property Evaluation
- Financial History Analysis
- Automated Underwriting Systems
- Loan File Maintenance
- Product Education
- Creditworthiness Determination
- Credit History Review
- Mortgage Loan Origination
- Application Reviews
- Payment Schedule Computation
- Government Lending
- Client Interviews
Timeline
Mortgage Loan Officer
GoPrime Mortgage
07.2011 - Current
Real Estate Appraiser
Shultz Appraisal Company
10.2006 - 07.2011
Insurance Sales Agent
Allstate Insurance Co
09.2005 - 10.2006
High School Diploma -
Rosman High
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