Timothy Hopkins
Katy,TX
Summary
With a proven track record, I have over 19 years of experience in the lending industry in all facets. While at DHI Mortgage Company, I excelled in mortgage lending and building lasting relationships, demonstrated by originating 150+ Mortgage loans annually for the last 3 years. Skilled in Encompass LOS and educated in various loan types, my strategic approach and communication skills have consistently driven success and satisfied diverse client needs.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
DHI Mortgage Company
Richmond, TX
11.2020 - 11.2024
- Assessed customer financial status and credit worthiness to determine eligibility for prequalification.
- Conducted interviews with prospective clients to gather information regarding loan applications and to discuss and elect which loan product would best fit their needs by analyzing financial data including income, assets and liabilities.
- Previous 3 years consistently originated and closed 150+ loans each year.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Developed relationships with assigned salespeople within the DR Horton Community, real estate agents, and other referral sources in order to generate business leads.
- Submitted complete applications to underwriting for preliminary credit approval and supported the processor throughout the underwriting process by maintaining regular communication with both the borrower and the underwriting team.
Vice President / Multifaceted Lender
First Liberty National Bank
Liberty, TX
08.2017 - 10.2020
- Maintained relationships with area builder for commercial lines of credit and new home construction loans.
- Provided financing for construction, construction to perm., and retail home financing.
- Provided financing for various commercial properties, including a Holiday Inn, Urgent Care clinic, an assisted living facility, a restaurant, and several smaller commercial establishments.
- Prepared and presented comprehensive loan presentations that encompassed detailed analyses of individual and multi-business tax return cash flows, balance sheet, and audited profit and loss statements.
Assisted Vice President
SouthSide Bank
San Augustine, TX
07.2016 - 08.2017
- Originated Mortgage, Consumer, Agricultural, and commercial loans for local community bank.
- Initially hired by First Bank and Trust. Bank sold to Southside.
Vice President
Farmers State Bank of Center, Tx
Center, TX
02.2015 - 09.2016
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Managed staff scheduling, hiring and training processes.
- Originated Consumer, and Mortage Loans.
Vice President / Lender
Shelby Savings Bank
Hemphill, TX
01.2008 - 03.2015
- Mortgage Loan originator: in-house financing. Prepared and submitted detailed loan presentations that included financial statements, full tax returns, asset/net worth, and individual/global cash flows.
- Established and maintained long term relationships with local realtors. Financed many Lake properties covering Toledo Bend, and Sam Rayburn.
- Originated Consumer, commercial equipment, agricultural loans.
Education
BBA - Business
Stephen F. Austin State University
Nacogdoches, TX05-2003
Skills
- Encompass LOS
- Blend Application system
- Ncino Application System
- Loan Origination
- Mortgage lending
- Educated in FHA, USDA, Conventional, DPA, VA loans
Certification
- Mortgage Loan Officer
References
References available upon request.
Timeline
Mortgage Loan Officer
DHI Mortgage Company
11.2020 - 11.2024
Vice President / Multifaceted Lender
First Liberty National Bank
08.2017 - 10.2020
Assisted Vice President
SouthSide Bank
07.2016 - 08.2017
Vice President
Farmers State Bank of Center, Tx
02.2015 - 09.2016
Vice President / Lender
Shelby Savings Bank
01.2008 - 03.2015
- Mortgage Loan Officer
BBA - Business
Stephen F. Austin State University