Tim Senter Email & Phone Number

Narvon, Pa, Us

Narvon, Pennsylvania, United States

Launched and Scaled Business: Established and grew BigFreakinDeals, an Amazon reselling business, achieving profitability within six months and doubling sales in the past year.Logistics Management: Oversaw all logistics, including packing, shipping, and handling returns, both to Amazon warehouses and directly to customers.Strategic Decision-Making: Directed product selection, profitability analysis, and sourcing strategies to drive business growth and adapt to market trends.Relationship Building: Cultivated and maintained partnerships with vendors, Amazon, and local businesses to support and expand operations.Amazon Seller Central Expertise: Utilized Amazon Seller Central tools to optimize shipments, manage fees, and navigate the platform’s ecosystem efficiently.Regulatory Compliance: Ensured safe and compliant shipping by mastering Hazmat regulations and implementing best practices.eCommerce Management: Managed product listings, shipping, and promotions on Mercari, boosting eCommerce visibility and sales.Brand Expansion: Secured approval to sell multiple brands, broadening the product portfolio and increasing market reach.Market Research: Conducted thorough market research to identify and source profitable items from major retailers like Wal-Mart, Target, and Home Depot.

Managed Initial Disclosures: Supervised the initial disclosures dashboard, handling an average of $300 million in loans monthly across 125+ branches in 47 states.Technical Issue Resolution: Addressed and resolved technical barriers impacting loan packages, including system failures and latency issues, by providing necessary overrides to facilitate loan disclosures.Collaboration and Consultation: Coordinated with vendors, Encompass, IT, Compliance, executive leadership, and Digital Systems departments to address technical issues and improve the Initial LE process.Educational Initiatives: Trained and educated over 200 team members—including processors, loan officer assistants, loan officers, sales managers, and branch managers—on title fees, compliance issues, loan structure, and disclosure processes.Process Improvement: Advised and supported fellow analysts, loan officers, and managers on utilizing the Initial LE BOT, and managing processes related to initial LEs, redisclosures, and CDs.Technical Support: Managed technical support tickets for the Secondary, Encompass, Compliance, and Digital Systems teams to resolve system-related issues and enhance operational efficiency.

Accurate Disclosure Management: Redisclosed and dispatched precise closing disclosures for loans nationwide.Compliance Enforcement: Ensured adherence to compliance regulations, including Dodd-Frank Act, RESPA/TILA, and HMDA.High-Volume Processing: Managed the redisclosure and sending of closing packages for loans averaging $3-$4 million per day.

Claymont, Delaware

Loan Processing and Underwriting: Evaluated consumer identity, income, credit, and backgrounds to process and underwrite student loan refinances (under $150,000) and personal loan products (up to $100,000). Managed daily loan and refinance volumes ranging from $500,000 to $1 million.Documentation and Verification: Prescribed and managed the correct documentation, identification forms, and verification processes to expedite loan approvals. Ensured accurate and timely processing for both customers and management.Credit Analytics and Risk Management: Conducted credit analytics and risk management, including adherence to KYC guidelines, income verification, fraud prevention, and acceptable fund use.Team Support and Education: Provided guidance to team members on credit standards to minimize unsellable loans and improve overall loan quality.Technical Issue Resolution: Investigated and resolved technical issues within the Sofee system related to document uploads, credit pulls, and signing document processes to enhance operational efficiency.Continuous Learning and Improvement: Studied and adapted to new system updates, processing, and underwriting rules to improve customer experience and reduce errors.Awards and Recognition: Received multiple awards for premier customer service, top performance, and excellence in quality assurance and control.

Conshohocken, Pa

Initial and Re-Disclosure Preparation: Prepared accurate and legally compliant initial and re-disclosure packages, ensuring cost-consciousness and adherence to regulatory requirements.Regulatory Compliance: Monitored and ensured that loan officers and GMH adhered to company, local, state, and federal regulations throughout the lending process, managing compliance for over 4,000 loans.Technical Corrections: Identified and corrected technical errors in PCLender and DocMagic systems to guarantee that borrowers and loan officers had accurate information and access to necessary documentation.Audit Support: Assisted GMH with audit research and data collection, verifying the accuracy of various fees and ensuring compliance with federal, state, and company guidelines.Training and Leadership: Promoted to train 2-4 disclosure analysts, leading compliance efforts for re-disclosure loans and contributing to the overall improvement of the disclosure process.

Master’S Degree, Public Administration, 3.77

B.A. History, B.A. Liberal Studies - Arts And Sciences Concentration, And B.S. Finance, Professional Education Minor

Activities and Societies: Bowling Club - President (2011-13) - Vice-President (2010-11) Sport Club Council Exec Board -Vice-President.