Summary
Overview
Work History
Education
Skills
Timeline
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Timothy Williams

Austin

Summary

Highly skilled Senior Processor with 13 years of experience in the mortgage industry. Seeking a challenging position to utilize strong analytical, organizational, and communication skills for the success of a reputable mortgage company. Professional with a strong background in processing and a keen eye for detail. Excel at coordinating with teams to ensure seamless workflows and achieve optimal results. Skilled in data management, compliance, and process optimization. Reliable in dynamic environments, adept at adapting to changing demands with ease.

Overview

15
15
years of professional experience

Work History

Senior Processor(Corporate)

NRL Mortgage
03.2021 - Current
  • Managed a high-volume pipeline of mortgage loan applications, ensuring timely and accurate processing from submission to closing
  • Conducted thorough analysis of applicant documentation, including income, credit, and assets, to determine loan eligibility and compliance with underwriting guidelines
  • Collaborated closely with loan officers, underwriters, and borrowers to resolve any issues and provide customer service throughout the loan process
  • Acted as a subject matter expert, providing guidance and support to junior processors on complex loan scenarios and underwriting guidelines
  • Prepared and submitted loan files to underwriting, ensuring all required documents and conditions were met for final loan approval
  • Verified accuracy of loan data in the loan origination system and updated information as necessary
  • Acted as a Junior Underwriter on Conventional Loans, decisioning and conditioning files, then interacting with borrower and other parties to clear each condition
  • Stayed up-to-date with industry regulations, policies, and guidelines to ensure compliance and mitigate risk
  • As of June 2023 thru current, was put in charge of all Non QM loan products that flowed thru NRL Mortgage pipelines
  • That included- guideline reviews with 4 separate investors, reviewing matrices for each investor for proper loan file setup
  • Experience with Non Delegated Underwriting procedures

Loan Processor(Branch Level)

NRL Mortgage
02.2012 - 03.2021
  • Assisted in the processing of mortgage loan applications, including verifying borrower information, ordering third-party documents, and reviewing loan files for completeness
  • Coordinated with loan officers, borrowers, and other internal departments to gather necessary documentation and resolve any issues or discrepancies
  • Conducted thorough analysis of credit reports, employment verifications, and income documentation to assess borrower eligibility
  • Prepared loan packages and disclosures for borrowers, ensuring compliance with regulatory requirements
  • Maintained accurate and up-to-date records in the loan origination system
  • Assisted with post-closing activities, including reviewing final loan documents and ensuring accuracy and completeness

Mortgage Loan Officer

NRL Mortgage
02.2010 - 02.2012
  • Reviewed and analyzed financial statements, tax returns, and verified client information
  • Maintained confidential borrowers' documents
  • Advised clients and made financial recommendations
  • Communicated with clients to identify their financial needs and goals; developed presentations to inform and educate borrowers on different loan products

Education

Sales And Marketing

University Texas El Paso
El Paso, TX

Skills

  • Mortgage loan processing
  • Underwriting guidelines
  • Non QM Products
  • Bank Statement income qualification loans
  • DSCR Investment property loans
  • Non QM investor guidelines
  • Long Run
  • Deephaven
  • Onslow Bay
  • Logan Financial
  • Non Delegated loan procedures
  • Chase
  • Citi Financial
  • Loan origination software
  • Blend
  • Simple Nexus
  • Encompass
  • Attention to detail
  • Organizational skills
  • Communication skills
  • Interpersonal skills
  • Ability to work under pressure
  • Meet tight deadlines
  • Microsoft Office Suite
  • Google Sheets
  • Google Docs

Timeline

Senior Processor(Corporate)

NRL Mortgage
03.2021 - Current

Loan Processor(Branch Level)

NRL Mortgage
02.2012 - 03.2021

Mortgage Loan Officer

NRL Mortgage
02.2010 - 02.2012

Sales And Marketing

University Texas El Paso

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Timothy Williams