William Timlin Email & Phone Number

Bloomfield Hills

Troy, Mi

Conventional Underwriter reviewing Purchase and refinance loans. As well as conforming, nonconforming, and jumbo loans Analyzing clients credit, income, and collateral according to FNMA,FHLMC, and FHA guidelines. Used automated underwriting systems Desktop Underwriter, Loan Prospector, and Chase AUS zippy.

Granted Credit according to FNMA/FHLMC guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, LP and Chase AUS Zippy) with high data integrity and quality to help reduce borrowers required documentation.

Granted Credit according to FNMA/FHLMC guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, LP and Chase AUS Zippy) with high data integrity and quality to help reduce borrowers required documentation.

Granted Credit according to FNMA/FHLMC/FHA Guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, and LP) with high data integrity and quality to help reduce borrowers required documentation. FHA trained with DE.

Granted Credit according to FNMA/FHLMC guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, and LP) with high data integrity and quality to help reduce borrowers required documentation. Worked with the repurchase team to cure FHLMC/FNMA demands for repurchase to try an obtain documentation to cure potential buy back issues or possible restructure of loan.

Granted Credit according to FHA guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, and LP) with high data integrity and quality to help reduce borrowers required documentation. Successfully passed Quicken Loans FHA training earning my DE.

Motivated team members by setting obtainable goals. Coached team members on underwriting principles and risk assessment .Instructed team member to thoroughly review all documentation (Income, Assets, credit, and Collateral) for red flags to help keep the fall out rate low.Kept team members informed on FNMA/FHLMC guideline changes to produce quality.Handled disciplinary issues with team members. Second review of jumbo loans verifying data integrity and verified adhered to lender guidelines.Audit team members loans to help coach and bring awareness to potential red flags or loan defects to maintain quality loans .Granted Credit according to FNMA/FHLMC guidelines while producing quality loans with a low default rate. Processed loans through automated underwriting Service (DU, and LP) with high data integrity and quality to help reduce borrowers required documentation. Successfully completed Quicken Loans Leadership training program.

Handle day to day operations balancing the cash vault and ATMS so cash levels were maintained according to regulations.Adhered to open and closing procedures to ensure security of both the clients and Team members safety. Helped train the customer services representatives in the selling and cross selling of Bank products.

Knoxville, Tennessee Area

Presented commercial products to local business. Presented traditional bank products to current bank clients and cross sold investment and real estate financing products. Coached and directed bank team members. Balanced cash vault and ATM daily. Randomly audit teller line drawers. Followed bank opening and closing procedure according to Regions Bank and banking protocol.

Bachelor Of Business Administration (B.B.A.), Marketing/Marketing Management, General

Diploma, General Studies