Timothy Knuppel
Jordan,MN
Summary
Adept at interpreting complex underwriting guidelines and excelling in client communication, I enhanced loan processing efficiency and customer satisfaction at MJW Mortgage. My expertise in fostering strong relationships and mentoring junior officers, coupled with a proven track record of timely loan closings, showcases my hard and soft skills in the mortgage industry.
Overview
7
7
years of professional experience
Work History
Senior Loan Officer
MJW Mortgage
Jordan, MN And Indianapolis, IN
12.2022 - Current
- Interpret loan program guidelines and apply to unique client situation to determine best available options.
- Collect and analyze client documents to determine adequacy and compliance with requirements.
- Collaborate with underwriting team to expedite loan processing times and ensure timely closings for clients.
- Submit loan applications to underwriter for review and recommendations.
- Work with local government departments for Zoning, Health, Property Assessment and Records as needed for property and client conditions of concern.
- Cultivate referral network with real estate agents, builders, and other professionals to generate new business leads.
- Develop strong relationships with borrowers, resulting in high levels of customer satisfaction.
- Mentor junior loan officers, sharing expertise and knowledge to improve overall team performance.
- Mentor new and junior loan officers sharing best practices and expertise on successful preapproval process.
Mortgage Loan Officer
Primary Residential Mortgage
Jordan, MN And Indianapolis, IN
10.2019 - 11.2022
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
- Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
- Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Senior Mortgage Loan Officer
New American Funding
Lafayette, IN
11.2017 - 10.2019
- Participate in industry events to stay current on trends and changes within the mortgage lending landscape.
- Provide exceptional customer service throughout the loan process by addressing questions and concerns promptly.
- Conduct thorough pre-qualification analyses to match potential borrowers with appropriate loan products for their needs.
- Analyze applicant financial status, credit, and property evaluations to determine feasibility of granting loans.
- Prepare comprehensive loan files that included detailed documentation needed for underwriting approval.
- Manage pipeline of mortgage applications for timely processing and closing, resulting in satisfied clients.
- Assist in the development of junior loan officers through mentoring and coaching sessions, improving overall team performance.
Education
Bachelor of Science - Hotel & Restaurant Management
University of Wisconsin - Stout
Menomonie, WI12.1993
Skills
- Interpret complex underwriting program guidelines to determine best client loan option
- Communicate requirements and corrective actions (if needed) to loan client
- Work with internal and external parties to achieve successful outcome ~ a satisfied home owner that closed on time or early
- Provide excellent service through timely and effective communication both written and verbal
- Educate all relevant parties on the how/why/when of program requirements and underwriting and closing conditions
Licenses Held
Licensed to originate residential mortgages in MN, IN, MI, and FL.
Timeline
Senior Loan Officer
MJW Mortgage
12.2022 - Current
Mortgage Loan Officer
Primary Residential Mortgage
10.2019 - 11.2022
Senior Mortgage Loan Officer
New American Funding
11.2017 - 10.2019
Bachelor of Science - Hotel & Restaurant Management
University of Wisconsin - Stout