Timothy Gardner is a Vice President of Mortgage Risk at Citi, where they focus on credit portfolio management. With over a decade of experience in mortgage banking, Timothy has held various roles including FHA Mortgage Assistance Point Supervisor at U.S. Bank and Mortgage Loan Originator at First Integrity Mortgage Services Inc. They earned a Master's degree in Business Administration and Management from Webster University. Residing in Lake St. Louis, Timothy enjoys spending time with family and pursuing hobbies such as golf and grilling.
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