Timothy Kozlowski
Joliet
Summary
Dynamic Senior Mortgage Loan Officer with extensive experience in both Residential and Commercial lending. Excelling in financial planning, sales, and customer service. Proven track record in relationship building and credit analysis, successfully negotiating loan terms to maximize profitability. Recognized for developing strong referral networks and achieving high customer satisfaction through tailored loan solutions and customer engagement.
Overview
22
22
years of professional experience
Work History
Broker | Owner
TnT Financial Group, LLC
01.2025 - Current
- Residential & Commercial Loan broker.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed strong relationships with customers through high levels of customer service.
- Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
- Negotiated loan terms and conditions with customers to secure best deal.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assessed loan portfolios for compliance with underwriting policies.
Producing Branch Manager
Preferred Rate
01.2022 - 01.2025
- Negotiated loan terms and conditions with customers to secure best deal.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
- Built relationships with customers and community to establish long-term business growth.
- Managed revenue models, process flows, operations support, and customer engagement strategies.
- Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
Producing Branch Manager
Novus Home Mortgage
05.2019 - 01.2022
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Explained different types of loans pertaining to client situations.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
New Construction Manager/Loan Officer
American Portfolio Mortgage Corp
01.2019 - 05.2019
- Established relationships with local builders to provide financing for upcoming developments.
- Verified completed projects met approved time, quality, and cost estimates.
- Evaluated loan requests and documents to verify accuracy and completeness.
Senior Mortgage Loan Officer
Loandepot
01.2018 - 01.2019
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Proactively identified solutions for customers experiencing credit issues.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Negotiated loan terms and conditions with customers to secure best deal.
Senior Mortgage Advisor
People's Home Equity
02.2017 - 01.2018
- Explained different types of loans pertaining to client situations.
- Reviewed loan files and updated to match current standards.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
Senior Mortgage Loan Officer
Bay Equity
07.2014 - 07.2016
- Explained very technical financial information to applicants in easy to understand language.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Proactively identified solutions for customers experiencing credit issues.
- Negotiated loan terms and conditions with clients to maximize profitability.
Education
Bachelor of Science - Marketing
Lewis University
Romeoville, IL05-2002
Business Management
Augustana College
Rock Island, IL05-2000
Skills
- Financial planning expert
- Customer service-focused
- Relationship building and management
- Credit analysis
- Loan origination
- Sales expertise
Chicago Magazine 5 Star Award winner since 2011
Recognized as top 1% of Mortgage Originators in the Chicago area based on sales/customer satisfaction ratings.
Timeline
Broker | Owner
TnT Financial Group, LLC
01.2025 - Current
Producing Branch Manager
Preferred Rate
01.2022 - 01.2025
Producing Branch Manager
Novus Home Mortgage
05.2019 - 01.2022
New Construction Manager/Loan Officer
American Portfolio Mortgage Corp
01.2019 - 05.2019
Senior Mortgage Loan Officer
Loandepot
01.2018 - 01.2019
Senior Mortgage Advisor
People's Home Equity
02.2017 - 01.2018
Senior Mortgage Loan Officer
Bay Equity
07.2014 - 07.2016
Bachelor of Science - Marketing
Lewis University
Business Management
Augustana College
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