Timothy Timko

Experience

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  United States Air Force

  Jun 1986 - Aug 1990

  Budget/Acquisition Officer

  Program Manager/Acquisition Officer

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  Catalyst Corporate Federal Credit Union

  Apr 2005 - Jan 2012

  Senior Account Executive

  I researched and analyzed Bloomberg report, daily, to identify investment products such as Agency Bonds, Mortgage-Backed Securities, CMOs, and Brokered CDs that aligned with the client's investment criteria and needs. Played an instrumental role in developing a new Website and personally created Mortgage-Backed Security and CMO presentation/slide show to introduce viewers to products. Assisted credit unions of all sizes in developing and implementing successful investment strategies while balancing return objectives with regulatory risk constraints. Briefed credit union senior management and board of directors on changes in financial markets as well as current trends and areas of focus in credit union regulatory and compliance environment. Show less

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  Shay Financial Services, Inc.

  Jan 2012 - Nov 2013

  Account Executive

  I built and maintained positive relationships with new and existing accounts. Focusing on fixed-income sales to credit unions and community banks. Strengthened existing relationships and develop new trading opportunities in the region. Introduced several credit union clients to new investment products, including SBA pools and taxable municipal bonds, providing a more diversified and stable investment portfolio. Researched and analyzed Bloomberg report, daily, to identify investment products such as Agency and Municipal Bonds, Mortgage-Backed Securities, CMOs, SBA Pools, and Brokered CDs that aligned with client's investment criteria, risk profile, and needs. Show less

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  First Southwest Company

  Dec 2013 - Dec 2014

  Relationship Manager

  I pioneered the efforts across handling the entire gamut of functions pertaining to building and maintaining strong relationships with prospective and existing clients. Prospected and established new market with community bank trust departments, using SNL, call reports, and financial statements to identify accounts needs. Reviewed asset-liability models, financial statements, accounting reports, and call report data to evaluate interest rate risk and liquidity risk. Worked closely with brokerage operations and trade desk to input and review all new bond trades. Analyzed and reconciled trade blotters and cash settlements on all fixed income transactions. Show less

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  New Century Realty

  Dec 2016 - Sept 2020

  Texas Realtor/Asset Manager/Investor

  I am responsible for inspecting properties to determine the amount of work and expense needed to transform the property into income-producing real estate. Analyze and purchase several banks owned REO residential properties into the portfolio. Prepare purchase and lease contracts utilizing Texas Real Estate contracting forms. Lease on average 2 residential properties each month which included advertising listing, screening applicants, lease preparation, and signing. Work with county courts on evictions and deed filings. Follow strict procedures resulting in the maximum occupancy of rental properties. Show less

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  U.S. Small Business Administration

  Sept 2020 - Jan 2022

  Loan Specialist

  I manage functions pertaining to disaster loan making and disaster loan disbursement. Process home loans and make recommendations on collateral needed to secure loans. Apply acceptable financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, the intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries. Document reasons for decisions to recommend approval or disapproval of loan and applicable interest rate. Show less

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  USDA Rural Development

  Jan 2022 - now

  Commercial Loan Specialist

  I coordinate the administration of the business and industry (B&I) loans to enterprises located in rural communities. My duties include providing technical guidance and expertise for complex financial arrangements of loan and grant applicants. I perform comprehensive review and in-depth analyses of credit data to determine creditworthiness. And, I develop, implement, and coordinate a broad and aggressive marketing and outreach program.