Timothy Senter
Narvon,USA
Summary
Professional with deep expertise and readiness for leadership. Proven track record in driving business growth and operational efficiency. Strong focus on team collaboration and delivering impactful results. Known for reliability, adaptability, strategic vision, and effective problem-solving. Skilled in business management, financial planning, and customer relations.
Overview
9
9
years of professional experience
Work History
Owner/Operator/CEO
Self-Employed
01.2022 - Current
- Controlled day to day operations as a reseller on Amazon under seller BigFreakinDeals
- Became a profitable business owner within six months of business’ opening and grew sales by 100% over the last year
- Handled all logistics, packing, and shipping of retail merchandise whether to Amazon warehouses or customers
- Made key decisions on future of the organization, products being chosen to sell, profitability, and finding new sources for product
- Communicated and developed relationships with various vendors, Amazon, and other local businesses to sustain success of the business and help it grow
- Studied Amazon Seller Central Framework and updates for shipments, fees, and other topics with the Amazon ecosystem
- Learned Hazmat requirements for shipping items safely and securely
- Involved in eCommerce site Mercari for listing, shipping, and promoting products for sales on the site
- Managed financial aspects of the business, including budgeting and financial planning.
- Became approved to sell multiple brands and have grown the numbers of brands I sell
- Performed the shopping and researching for profitable items within retailers such as Wal-Mart, Target, Home Depot, and other retail outlets
- Managed day-to-day business operations.
Disclosure Coordinator
USA Mortgage
09.2020 - 02.2023
- Served as a Mortgage Loan Originator in ten states
- Managed and supervised our entire initial disclosures dashboard consisting of an average of $300 million in loans monthly and for 125 plus loan branches licensed in 47 different states
- Manually disclosed all construction, 2nd liens for state programs, ARMs and failed loans within our system
- Resolved technical barriers that prevent borrowers and LOs to receive loan packages, form failures, system latency, and provide overrides to our system to allow LOs to disclose.
- Coordinated and consulted with our vendors, Encompass, IT, Compliance, executive leadership, and Digital Systems departments regarding technical issues or areas of improvement for the Initial LE process
- Educated over 200 processors, loan officer assistants, loan officers, sales managers, and branch managers on title fees, title quotes, compliance issues, loan structure, and other issues that may prevent a loan from being disclosed
- Trained and advised fellow analysts LOs, LOAs, Processors, Managers, and Team Executives on how to utilize our Initial LE BOT, and processes regarding initial LEs, redisclosures, and CDs
- Resolved technical issues by handling tickets for our Secondary, Encompass, Compliance, and Digital Systems teams
- Improved team productivity with regular communication and progress updates, fostering a collaborative work environment.
Disclosure Specialist
American Finance Network
07.2020 - 09.2020
- Redisclosed and sent out accurate closing disclosures for loans across the United States
- Enforced compliance procedures such as Dodd-Frank Act, RESPA/TILA, HMDA
- Redisclosed or sent closing packages on $3-$4 million of loans on average per day
- Collaborated with cross-functional teams to ensure complete and accurate information was disclosed.
- Set up loan file with accurate fees according to selected loan program and other loan parameters.
Consumer Loan Reviewer
Sofi, Inc.
03.2018 - 07.2020
- Examined consumer’s identity, income, credit, and backgrounds to process and underwrite various types of student loan refinances under $150,000 and personal loan products up to $100,000
- Inspected on average $500,000 to $1 million dollars of new loans and refinances daily
- Prescribed correct documentation, identification forms, and verification of employment process to expedite loan process with customers and management
- Performed credit analytics and risk management by determining KYC guidelines, income levels, fraud prevention, and acceptable use for funds
- Educated and helped team members regarding issues pertaining to companywide credit standards to prevent a reduction in unsellable loans
- Investigated company’s Sofee system to determine technical issues preventing borrower from uploading docs correctly, managing credit pulls, and detecting issues from borrowers getting signing documents
- Studied and learned new system updates, processing, or underwriting rules which impacted day-to-day operations which improved customer experience and controlled errors for occurring on a loan
- Won several awards for premier customer service, being a top performer, and excellent quality within quality assurance and quality control departments
- Streamlined the loan approval process, conducting thorough reviews of applicant financial profiles.
- Contributed to risk management initiatives by carefully analyzing trends in borrower behavior and recommending adjustments to lending policies as needed.
Disclosure Analyst
GMH Mortgage Services, LLC
06.2016 - 08.2017
- Prepared accurate, cost controlled, and legal initial disclosures and re-disclosure packages
- Ensured loan officers and GMH followed company, local, state, and federal regulations during lending process across 4,000 loans
- -Corrected technical mistakes on PCLender and DocMagic systems to insure borrowers and loan officers had correct information and access to appropriate documentation -Assisted GMH with audit research and data collection to insure accuracy of various fees and complying with federal, state, and company guidelines
- -Promoted to train 2-4 additional disclosure analysts as well as lead compliance for re-disclosure loans
Education
Masters - Public Administration
West Chester University of Pennsylvania
West Chester, PA08.2015
Bachelors - Finance, History, Liberal Studies
West Chester University of Pennsylvania
West Chester, PA05.2013
Skills
- Verbal and written communication
- Operations management
- Business development
- Learning
- Document review
- Problem-solving
- Teamwork and collaboration
- Adaptability to change
- Leadership
- Customer service
- Work ethic and integrity
Websites
Timeline
Owner/Operator/CEO
Self-Employed
01.2022 - Current
Disclosure Coordinator
USA Mortgage
09.2020 - 02.2023
Disclosure Specialist
American Finance Network
07.2020 - 09.2020
Consumer Loan Reviewer
Sofi, Inc.
03.2018 - 07.2020
Disclosure Analyst
GMH Mortgage Services, LLC
06.2016 - 08.2017
Bachelors - Finance, History, Liberal Studies
West Chester University of Pennsylvania
Masters - Public Administration
West Chester University of Pennsylvania
Similar Profiles
Maxine MollnerMaxine Mollner
Craft Shop Creator at Self-employedCraft Shop Creator at Self-employed
ROSEANNA MATROROSEANNA MATRO
Home Maker/Homeschool Mom at Self-employedHome Maker/Homeschool Mom at Self-employed
KEVIN ROSEKEVIN ROSE
Independent General Maintenance and Automotive Mechanic at Self-employedIndependent General Maintenance and Automotive Mechanic at Self-employed
Bryan SztukowskiBryan Sztukowski
Claims Specialist at Social Security AdminstrationClaims Specialist at Social Security Adminstration
Kaitlyn McGarveyKaitlyn McGarvey
Owner, Trainer, Instructor, Manager at Concordia StablesOwner, Trainer, Instructor, Manager at Concordia Stables