Timothy Cusick Email & Phone Number

Maitland, Florida, United States

Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.• Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.• Ensure that all loan files, credit packages, and disclosure… Show more Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.• Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.• Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.• Determine loan eligibility by conducting income analysis, credit checks and repayment ability reviews.• Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested.• Responsible for producing a risk analysis on borrower to maintain compliance standards.• Manage loan application pipeline by completing and submitting reports within allotted turn-around times. Show less

Deltona, Florida, United States

Deltona, Florida, United States

Maitland, Florida, United States

• Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.• Lead a team of loan processors and assist them with more complex processing issues.• Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters… Show more • Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing.• Lead a team of loan processors and assist them with more complex processing issues.• Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.• Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.• Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.• Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested.• Responsible for producing a risk analysis on borrower to maintain compliance standards.• Managed loan application pipeline by completing and submitting reports within allotted turn-around times.• Closed 480 loans annually with a value of $96 million dollars. Show less

Port Orange, Florida, United States

• Assessed each borrower’s financial statements and credit data to determine their creditworthiness.• Prepared paperwork for clients actively applying for a mortgage loan and helped them pull together the necessary documents and credit information to submit a complete and viable loan application to lenders.• Reviewed mortgage disclosures to ensure all federal and state lending regulations are followed.• Developed and maintained relationships with local real estate… Show more • Assessed each borrower’s financial statements and credit data to determine their creditworthiness.• Prepared paperwork for clients actively applying for a mortgage loan and helped them pull together the necessary documents and credit information to submit a complete and viable loan application to lenders.• Reviewed mortgage disclosures to ensure all federal and state lending regulations are followed.• Developed and maintained relationships with local real estate agents.• Closed 240 loans annually with a value of $180 million dollars. Show less

Oviedo, Florida, United States

• Analyzed loan files and reviewed client income, assets, and credit to verify compliance to specific underwriting criteria and input new loans into designated software.• Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.• Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed… Show more • Analyzed loan files and reviewed client income, assets, and credit to verify compliance to specific underwriting criteria and input new loans into designated software.• Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.• Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.• Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property. Show less

Melbourne, Florida Area

• Worked in small groups to accomplish complex goals within tight deadlines and standards.• Followed orders and carried out mission directives with professionalism and compassion despite chaotic and emotionally stressful circumstances.• Cultivated excellent worth ethic, dedication to duty and timeliness in work actions.• Displayed leadership in accomplishing assignments and learning new skills.